Cheap 1996 Mercedes-Benz C-Class Insurance Quotes

Searching for better auto insurance rates for your Mercedes-Benz C-Class? Paying for high-priced Mercedes-Benz C-Class insurance can dry up your family’s budget and put the squeeze on your family’s finances.

Big companies like GEICO and Progressive all claim big savings with ads and consumers find it hard to sift through the bull and find the best price available.

If you are paying for car insurance now, you will be able to save some money using these techniques. Buying car insurance is easy if you know what you’re doing. Although consumers do need to learn how big insurance companies price insurance differently and use this information to your advantage.

Compare car insurance rates

When shopping for the cheapest auto insurance quotes, there are a couple of ways of comparing rates from different insurance companies. The fastest way to comparison shop is to use the internet to compare rates. It’s really quite simple and can be done using a couple different methods.

  • The most efficient method to get quotes is a comparison rater form click here to open form in new window. This quick form prevents you from having to do separate quotes for each company you want a rate for. One form will return price quotes from many national carriers.
  • A different way to get quotes online is to take the time to go to each company website and repeat the quote process. For example, we’ll assume you need rates from Auto-Owners, Liberty Mutual and Allstate. You would be required to go to each individual site to enter your coverage information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

However you get your quotes, be sure you’re using nearly identical coverage limits and deductibles for each quote you get. If the quotes have higher or lower deductibles it’s impossible to make an equal comparison. Quoting even small variations in insurance coverages or limits can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes will enable you to find a lower rate.

Don’t be fooled by advertising claims

Big name companies like State Farm, Allstate and GEICO constantly bombard you with television, radio, and online ads. They all seem to make the same claim that you’ll save big if you just switch your car insurance policy to them. But how can every company charge less that you’re paying now?

Car insurance companies are able to cherry pick for the type of driver that earns them the highest profit. For instance, a preferred risk might have to be between the ages of 40 and 55, insures multiple vehicles, and does not commute to work. Anybody that hits that “sweet spot” receive the lowest rate quotes as well as save a lot of money.

Potential customers who don’t measure up to the ideal profile will probably have to pay higher prices which leads to the driver buying from a lower-cost company. The ads state “customers that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can make claims that they all have the best auto insurance rates. This really drives home the point why you need to get auto insurance quotes as often as possible. It is impossible to predict which insurance companies will provide the lowest rates.

Insurance companies offer money-saving discounts

Insurance can be pricey, but there’s a good chance there are discounts that could drop your premiums quite a bit. Certain discounts will be applied when you get a quote, but some may not be applied and must be specifically requested before you will receive the discount.

  • Distant Student Discount – who are attending college and do not have a car may qualify for this discount.
  • Air Bag Discount – Options like air bags or motorized seat belts may earn rate discounts of 25 to 30%.
  • Military Deployment Discount – Being on active deployment in the military could qualify you for better premium rates.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for C-Class insurance with some insurance companies.
  • Sign Online – Certain companies will give a small break get auto insurance on your computer.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. The good student discount can last until age 25.
  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education in high school.
  • Low Miles Discount – Driving less can earn cheaper rates.
  • Organization Discounts – Being a member of qualifying employment or professional organizations can get you a small discount on your bill.

Consumers should know that many deductions do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, insurance companies aren’t that generous.

Large insurance companies and some of the premium reductions they offer are outlined below.

  • GEICO has discounts for seat belt use, multi-vehicle, defensive driver, driver training, anti-theft, and daytime running lights.
  • MetLife offers discounts for good driver, defensive driver, claim-free, accident-free, and multi-policy.
  • Progressive offers discounts including multi-vehicle, multi-policy, online signing, homeowner, and good student.
  • Travelers has savings for IntelliDrive, hybrid/electric vehicle, save driver, student away at school, multi-policy, and driver training.
  • SAFECO discounts include homeowner, anti-theft, anti-lock brakes, teen safe driver, and safe driver.
  • AAA may offer discounts for multi-policy, AAA membership discount, good driver, multi-car, good student, anti-theft, and pay-in-full.

If you want inexpensive auto insurance quotes, ask all the companies which discounts they offer. Some of the discounts discussed earlier may not be available in your area. To find providers with discount insurance rates, click here.

Do I just need basic coverages?

When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that These are some specific questions might point out if you would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 1996 Mercedes-Benz C-Class is totaled?
  • Is a fancy paint job covered?
  • What is PIP insurance?
  • Is my babysitter covered when using my vehicle?
  • Is my camper covered by my car insurance policy?
  • Do I need more liability coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are the usual coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a tree branch falling on your vehicle, falling objects, damage from getting keyed, damage from a tornado or hurricane and theft. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like funeral costs, EMT expenses, dental work, ambulance fees and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for liability

This protects you from damages or injuries you inflict on other’s property or people. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like bail bonds, court costs, medical services and structural damage. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 1996 Mercedes-Benz C-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage protection

This pays for damage to your C-Class from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, colliding with a tree, scraping a guard rail, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Power to the consumer

While you’re price shopping online, do not reduce coverage to reduce premium. In many instances, drivers have reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your objective should be to purchase plenty of coverage at the best possible price and still be able to protect your assets.

Some companies may not provide rate quotes online and most of the time these smaller providers prefer to sell through independent agencies. Lower-priced 1996 Mercedes-Benz C-Class insurance is definitely available both online and from local agencies, and you need to comparison shop both to have the best rate selection.

Much more information about auto insurance is available at the links below