Searching for lower insurance coverage rates for your Mercedes-Benz C-Class? Are you intimidated by the sheer number of insurance coverage companies? You’re not the only one! People have so many options that it can quickly become a challenge to find better rates.
The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Certain discounts will be applied when you quote, but a few need to be requested specifically before they will apply.
As a disclaimer on discounts, most discount credits are not given to the overall cost of the policy. Some only apply to individual premiums such as liability and collision coverage. So despite the fact that it appears adding up those discounts means a free policy, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.
Insurance companies that possibly offer some of the above discounts may include but are not limited to:
Double check with every prospective company what discounts are available to you. Savings may not be available in every state.
Effectively comparing insurance coverage prices can be a lot of work if you don’t utilize the most efficient way. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to accomplish the same thing much quicker.
Most car insurance companies enroll in a system that allows shoppers to submit their information once, and each participating company can give them a price based on that information. This saves time by eliminating quote requests for each company.
To use this form to compare 2013 Mercedes-Benz C-Class insurance rates click to open in new window.
The single downside to doing it this way is that consumers can’t choose the companies to receive prices from. If you prefer to choose specific providers to request quotes from, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.
Whichever method you choose, be sure to compare exactly the same coverage limits and deductibles for every quote you compare. If the quotes have unequal deductibles or liability limits it will be next to impossible to make an equal comparison. Just a small difference in coverage limits may result in a large different in cost. Just remember that having more price comparisons helps locate the best offered rates.
When it comes to buying the best car insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.
For instance, these questions can help discover if you might need professional guidance.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form.
Learning about specific coverages of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 2013 Mercedes-Benz C-Class.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Collision coverages – This coverage will pay to fix damage to your C-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims like crashing into a building, colliding with a tree, hitting a parking meter, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.
Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like damage from a tornado or hurricane, damage from getting keyed and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability coverage – This coverage can cover injuries or damage you cause to a person or their property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as emergency aid, legal defense fees and loss of income. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.
Medical expense insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for X-ray expenses, hospital visits and rehabilitation expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
As you restructure your insurance plan, don’t be tempted to skimp on coverage in order to save money. There are many occasions where an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your aim should be to buy the best coverage you can find at the best price while not skimping on critical coverages.
Insureds leave their current company for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, extreme rates for teen drivers and lack of trust in their agent. Regardless of your reason for switching companies, switching car insurance companies is pretty simple and you could end up saving a buck or two.
Lower-priced 2013 Mercedes-Benz C-Class insurance can be sourced from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.
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