1999 Mercedes-Benz C-Class Car Insurance Rates – 10 Ways to Save

Are you kicking yourself for buying high-priced car insurance? Trust us when we tell you you’re not the only one.

Due to the increasing number of car insurance companies to choose from, it can be hard to find the lowest price company.

Finding affordable coverage is quite easy. Just about anyone who is shopping for insurance coverage will be able to reduce their rates. Although vehicle owners do need to understand the way insurance companies compete online because it can help you find the best coverage.

Verify you’re earning every discount

Some insurance providers don’t always list every possible discount in a way that’s easy to find, so the list below details both the well known and the more hidden credits available to bring down your rates.

  • Multiple Vehicles – Buying coverage for multiple cars with the same insurance company qualifies for this discount.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid the installment charge.
  • Good Driver Discounts – Accident-free drivers can get discounts for up to 45% lower rates on C-Class coverage as compared to drivers with claims.
  • Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease on C-Class coverage depending on your company.
  • Memberships – Joining qualifying clubs or civic groups is a simple method to lower premiums on your bill.
  • Discounts for New Vehicles – Buying a new car model can save up to 30% due to better safety requirements for newer vehicles.
  • Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn slightly better premium rates than normal.
  • Defensive Driver Discount – Taking part in a course teaching driver safety skills could cut 5% off your bill if you qualify.
  • Homeowners Discount – Simply owning a home can earn you a little savings due to the fact that maintaining a home requires a higher level of personal finance.

A little note about advertised discounts, many deductions do not apply the the whole policy. Most only apply to individual premiums such as medical payments or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

Companies and the discounts they provide are:

  • GEICO offers discounts including seat belt use, membership and employees, multi-vehicle, air bags, emergency military deployment, anti-lock brakes, and driver training.
  • Travelers discounts include save driver, home ownership, multi-car, payment discounts, driver training, and continuous insurance.
  • Nationwide includes discounts for business or organization, family plan, defensive driving, anti-theft, good student, Farm Bureau membership, and easy pay.
  • Farmers Insurance may include discounts for good student, bundle discounts, mature driver, alternative fuel, teen driver, and pay in full.
  • Esurance policyholders can earn discounts including emergency road assistance, renters, Pac-12 alumni, online quote, good student, anti-lock brakes, and DriveSense.
  • State Farm offers discounts for good student, good driver, Steer Clear safe driver discount, anti-theft, passive restraint, and multiple autos.
  • Progressive offers premium reductions for online quote discount, online signing, continuous coverage, multi-policy, and good student.
  • Mercury Insurance may offer discounts for multi-car, good driver, ease of repair, type of vehicle, and anti-theft.

If you need cheap insurance coverage quotes, ask each company how many discounts you can get. All car insurance discounts might not be available to policyholders in your state. If you would like to see a list of providers who offer cheap insurance quotes, click here.

When should I discuss my situation with an agent?

When it comes to buying the best insurance coverage, there really is not a single plan that fits everyone. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation may require specific advice.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • When should I drop full coverage on my 1999 Mercedes-Benz C-Class?
  • I have a DUI can I still get coverage?
  • Is my 1999 Mercedes-Benz C-Class covered for smoke damage?
  • Does my insurance cover a custom paint job?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my Mercedes-Benz C-Class covered if I use it for business?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Car insurance 101

Knowing the specifics of auto insurance can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Liability coverage – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, funeral expenses, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, damage from getting keyed, falling objects, a broken windshield and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – This will pay to fix damage to your C-Class resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as funeral costs, surgery, nursing services, chiropractic care and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 1999 Mercedes-Benz C-Class.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Take this to the bank

In this article, we covered a lot of information how to compare 1999 Mercedes-Benz C-Class insurance car insurance rates online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest car insurance rates are with an unexpected company. These smaller insurers may only write in your state and offer lower premium rates than their larger competitors like Allstate or State Farm.

Cheaper insurance coverage is available both online as well as from insurance agents, so get free insurance coverage quotes from both of them to have the best chance of lowering rates. Some companies do not offer online quoting and most of the time these regional insurance providers only sell through independent insurance agents.

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