Cheaper 2015 Mercedes-Benz C-Class Insurance Rates

Trying to find lower insurance rates? Buyers have lots of choices when searching for the best price on Mercedes-Benz C-Class insurance. They can either spend hours calling around to get rate comparisons or save time using the internet to get rate quotes.

There are more efficient ways to buy insurance so we’re going to tell you the proper way to compare rates for a Mercedes-Benz and locate the lowest price from both online companies and local agents.

If you have a current insurance coverage policy or are looking for a new policy, you can use these techniques to find better prices while maintaining coverages. The purpose of this article is to help educate you on how car insurance quotes work. Drivers just need to understand the best way to find the lowest price online.

The quickest way to compare car insurance company rates is to know most insurance companies participate in online systems to provide you with free rate quotes. The only thing you need to do is give them some information like if you have a valid license, deductibles desired, if you require a SR-22, and whether you drive to work or school. The data is submitted instantly to multiple top-rated companies and you will receive price estimates instantly.

To get price quotes for your Mercedes-Benz C-Class , click here and enter your coverage details.

How to save on 2015 Mercedes-Benz C-Class insurance

Properly insuring your vehicles can get expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically at the time of quoting, but a few must be asked for before they will apply. If you aren’t receiving every discount available, you are paying more than you should be.

  • Multiple Policy Discount – If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
  • Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% on C-Class insurance depending on your company.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Low Mileage – Low mileage vehicles can earn a substantially lower rate.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching to them before your current policy expires. The savings is around 10%.
  • Claim Free – Claim-free drivers can earn big discounts when compared to accident-prone drivers.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Multiple Cars – Buying insurance for all your vehicles with the same company can get a discount on all vehicles.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in high school.

It’s important to note that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, you’re out of luck. But any discount will help reduce the amount you have to pay.

A partial list of companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company how you can save money. All car insurance discounts may not apply in every state.

Mercedes-Benz C-Class rates are complex

An important part of buying insurance is that you know some of the elements that go into determining insurance rates. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with big savings.

Listed below are a partial list of the pieces insurance companies consider when setting rates.

  • Multi-policy discounts can save money – Most insurers will award you with lower prices to policyholders who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Rural vs Urban Areas – Residing in a small town can be a good thing when it comes to insurance. Less people living in that area means fewer accidents and a lower car theft rate. City drivers have to deal with much more traffic to deal with and a longer drive to work. More time on the road translates into higher accident risk.
  • Pleasure use saves money – The more you drive in a year’s time the more you will pay for insurance. Most insurance companies apply a rate based on how the vehicle is used. Cars left parked in the garage get more affordable rates than those used for commuting. Improper usage on your C-Class can result in significantly higher rates. Make sure your insurance policy properly reflects the correct driver usage.
  • Increase deductibles and save – The deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Insurance for physical damage to your car, also known as collision and other-than-collision, covers damage that occurs to your car. Some examples of claims that would be covered are colliding with a building, damage from fire, and rolling your vehicle. The more expense the insured has to pay upfront, the lower your rates will be on C-Class insurance.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Am I covered when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What discounts do I qualify for?
  • Do I have coverage if my license is suspended?
  • Am I covered when delivering products for my home-based business?
  • What happens if I owe more than my 2015 Mercedes-Benz C-Class is worth?
  • Can my teen driver be rated on a liability-only vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can provide invaluable advice.

Save $443 a year? Really?

Drivers get pounded daily by advertisements for car insurance savings by companies like GEICO, State Farm and Progressive. All the companies say the same thing about savings if you switch to them.

How does each company say the same thing? It’s all in the numbers.

All the different companies can use profiling for the type of driver they prefer to insure. A good example of a profitable customer could be over the age of 50, has no prior claims, and has great credit. A driver who fits that profile is entitled to the best price and most likely will save a lot of money.

Consumers who don’t qualify for this ideal profile will have to pay a higher premium which usually ends up with business not being written. The ads say “customers who switch” not “people who quote” save that much. That is how companies can truthfully state the savings.

Because of the profiling, you absolutely need to compare many company’s rates. It’s just too difficult to predict which insurance companies will have the lowest Mercedes-Benz C-Class insurance rates.

Insurance coverage basics

Understanding the coverages of a insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance – Liability coverage will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as attorney fees, repair costs for stationary objects and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for surgery, hospital visits, ambulance fees and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like rolling your car, driving through your garage door and hitting a mailbox. 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.

Smart consumers save more

You just read quite a bit of information on how to get a better price on 2015 Mercedes-Benz C-Class insurance. The most important thing to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the best price on auto insurance is with an unexpected company.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where an accident victim reduced physical damage coverage and learned later they didn’t purchase enough coverage. Your aim should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Drivers change insurance companies for many reasons like being labeled a high risk driver, delays in paying claims, denial of a claim and lack of trust in their agent. It doesn’t matter what your reason, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

To learn more, link through to the resources below: