2005 Mercedes-Benz C-Class Insurance Quotes

Want better car insurance rates? Drivers have options when trying to find the best price on Mercedes-Benz C-Class insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to find the lowest rates.

There is a better way to find car insurance online and you need to know the best way to get price quotes for your Mercedes-Benz and get the cheapest rates from local insurance agents and online providers.

It’s smart to get comparison quotes periodically because car insurance prices fluctuate regularly. Even if you got the best rate for C-Class insurance on your last policy other companies may now be cheaper. You can find a lot of information about car insurance on the internet, but in a few minutes you can learn some great ways to quit paying high car insurance rates.

Take policy discounts and save

Companies offering auto insurance don’t always list the entire discount list in a way that’s easy to find, so we took the time to find some of the more common as well as some of the hidden discounts that you can inquire about if you buy insurance coverage online.

  • Paperless Signup – A few larger online companies may give you up to $50 for signing up over the internet.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle up may be able to save a few bucks off the personal injury premium cost.
  • Responsible Driver Discounts – Drivers who avoid accidents can pay as much as 50% less for C-Class insurance compared to rates paid by drivers with frequent claims.
  • New Vehicle Savings – Putting auto insurance coverage on a new car may earn a small discount compared to insuring an older model.
  • Homeowners Savings – Owning a home may trigger a policy discount on auto insurance because it means you have a higher level of financial diligence.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in school or through a local driver safety program.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Companies and a selection of discounts include:

  • GEICO has savings for anti-lock brakes, multi-policy, anti-theft, good student, air bags, and membership and employees.
  • Auto-Owners Insurance discounts include company car, good student, paperless, anti-theft, safe driver, multi-policy, and group or association.
  • American Family may include discounts for bundled insurance, multi-vehicle, good driver, Steer into Savings, defensive driver, TimeAway discount, and air bags.
  • Esurance policyholders can earn discounts including DriveSense, homeowner, multi-policy, multi-car, anti-theft, safety device, and claim free.
  • Progressive may offer discounts for online signing, continuous coverage, online quote discount, good student, homeowner, multi-vehicle, and multi-policy.
  • State Farm offers premium reductions for defensive driving training, multiple autos, Drive Safe & Save, accident-free, student away at school, good driver, and multiple policy.
  • AAA offers discounts including anti-theft, multi-policy, education and occupation, pay-in-full, good student, good driver, and AAA membership discount.

When comparing rates, check with all companies you are considering which discounts you may be entitled to. A few discounts may not apply to policies everywhere.

How to compare free insurance rate quotes

Cutting your insurance rates is actually easier than you may think. The only thing you need to do is spend a little time comparing rate quotes to find. Insurance prices can be quoted in a couple of different ways.

The fastest and easiest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form prevents you from having to do multiple quote forms to each individual insurance company. A single form gets prices estimates direct from many companies.It’s the quickest way to get rates.

A different way to find lower rates is going to each individual company website and get a separate price quote. For example, we’ll pretend you need rates from GEICO, Liberty Mutual and Travelers. To find out each rate you need to visit each site to input your insurance information, which explains why we recommend starting with the first method. For a list of links to companies insuring cars in your area, click here.

The final way to find lower rates is physically going to insurance agents’ offices. The ability to buy insurance online reduces the need to sit down with an agent unless you prefer the guidance of a licensed agent. It is possible to price shop your coverage online but have a local agent actually write the policy.

The approach you take is up to you, just double check that you are using apples-to-apples coverage limits and deductibles on every price quote you get. If each company quotes different deductibles you will not be able to find the best deal for your Mercedes-Benz C-Class.

Which policy gives me the best coverage?

When choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered when driving a rental car?
  • Am I getting all the discounts available?
  • Do I need added coverage for expensive stereo equipment?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How can I force my company to pay a claim?
  • If my 2005 Mercedes-Benz C-Class is totaled, can I afford another vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Coverages available on your policy

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision insurance

Collision coverage will pay to fix damage to your C-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as sustaining damage from a pot hole, rolling your car, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for liability

This coverage provides protection from damage or injury you incur to other people or property. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

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 liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as loss of income, repair bills for other people’s vehicles, pain and suffering and medical expenses. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle 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 damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a broken windshield, hitting a deer, hitting a bird, damage from a tornado or hurricane and vandalism. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses such as nursing services, prosthetic devices, funeral costs and doctor visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Knowledge is power

People leave their current company for any number of reasons including high prices, questionable increases in premium, policy non-renewal or even lack of trust in their agent. Regardless of your reason for switching companies, switching insurance coverage companies is pretty easy and you might even save some money in the process.

We covered a lot of techniques to reduce 2005 Mercedes-Benz C-Class insurance prices online. The most important thing to understand is the more quotes you get, the higher your chance of finding low cost insurance coverage. You may be surprised to find that the lowest priced insurance coverage comes from a company that doesn’t do a lot of advertising.

While you’re price shopping online, do not skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price but still have enough coverage for asset protection.

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