Finding the cheapest insurance for a Mercedes-Benz C-Class can normally be a painful process, but you can follow a few tricks to find lower rates.
There is a right way and a wrong way to compare auto insurance rates and we’ll show you the quickest way to price shop coverage for a new or used Mercedes-Benz and get the lowest possible price.
You should make it a habit to quote other rates before your policy renews because prices change quite often. Even if you got the lowest quotes for C-Class insurance a year ago a different company probably has better rates today. There is too much inaccurate information about auto insurance online, but we’re going to give you some of the best ways to put money back in your pocket.
If you are insured now or are shopping for new coverage, you will benefit by learning to get lower rates while maximizing coverage. Pricing the lowest cost car insurance coverage is simple if you know the tricks. Drivers only need an understanding of how to shop their coverage around online.
Companies don’t necessarily list every policy discount very clearly, so the below list has a few of the more common and the more hidden discounts that you may qualify for.
As a footnote on discounts, most discounts do not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like medical payments or collision. Just because it seems like you can get free auto insurance, companies don’t profit that way. But any discount will help lower the premium cost.
A list of car insurance companies and some of their more popular discounts can be found below.
When getting free insurance coverage quotes, it’s a good idea to each company or agent what discounts are available to you. Some discounts may not be offered in your area. If you would like to view companies that offer many of these discounts, follow this link.
Comparing car insurance rates can be a lot of work if you don’t utilize the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use online quoting to get the quickest rates.
The majority of car insurance companies belong to a marketplace where prospective buyers enter their coverage request one time, and every company then gives them pricing based on that data. This eliminates the need for quote requests to each company.
To enter your information into the quoting system, click here (opens in new window).
The single downside to using this type of system is that you can’t choose the insurers you want to price. So if you prefer to pick from a list of companies to request quotes from, we have assembled a list of companies who write car insurance in your area. View list of insurance companies.
It doesn’t matter which method you choose, just try to keep exactly the same quote data for each price quote. If each company quotes different deductibles it will be next to impossible to make an equal comparison.
When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.
For example, these questions might help in determining whether or not you might need professional guidance.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, simply complete this short form. It is quick, free and you can get the answers you need.
Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Auto liability – Liability insurance protects you from damage or injury you incur to a person or their property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits 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 a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.
Liability coverage pays for claims such as bail bonds, structural damage and medical expenses. How much coverage you buy is your choice, but buy as much as you can afford.
Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for ambulance fees, doctor visits, funeral costs, prosthetic devices and pain medications. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage
Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mercedes-Benz C-Class.
Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are similar to your liability insurance amounts.
Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as falling objects, damage from getting keyed, hitting a bird, theft and vandalism. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision coverages – This pays for damage to your C-Class resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things such as hitting a mailbox, crashing into a ditch, crashing into a building, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.
While you’re price shopping online, you should never reduce needed coverages to save money. In many instances, consumers will sacrifice full coverage only to discover later that it was a big mistake. The proper strategy is to get the best coverage possible for the lowest cost while still protecting your assets.
Some insurance companies may not provide online price quotes and many times these regional insurance providers provide coverage only through local independent agents. Low-cost 2000 Mercedes-Benz C-Class insurance is attainable online as well as from insurance agents, so you should compare both to get a complete price analysis.
We just presented many ways to lower your 2000 Mercedes-Benz C-Class insurance car insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. Drivers may discover the best price on insurance is with the smaller companies.
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