Compare 2014 Mercedes-Benz C-Class Insurance Quotes

Trying to find cheaper insurance rates for your Mercedes-Benz C-Class? Nobody I know fancies paying their premiums for insurance, especially when they are aware that they could lower their rates if they shopped around. Online insurance companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with advertising and consumers find it hard to sift through the bull and do the work needed to find the best deal.

Informed drivers can reduce their insurance rates

Many things are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving record, but other criteria are more obscure like where you live or how safe your car is.

Shown below are some of the factors used by insurance companies to determine your rate level.

  • Gender and insurance costs – Statistics demonstrate females are less aggressive when driving. However, this does not mean women are BETTER drivers than men. Both sexes cause fender benders in similar percentages, but men tend to have more serious accidents. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 tend to get in the most accidents and therefore are the most expensive to insure.
  • Buy a safe car and pay less – Cars with high safety ratings cost less to insure. The safest vehicles reduce the chance of injuries and fewer injuries means less claims paid passed on to you as lower rates. If your Mercedes-Benz C-Class is rated at a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may pay a lower rate.
  • Poor credit decisions can cost you – Credit score can be an important factor in determining your rates. Therefore, if your credit is not that good, you could potentially save money when insuring your 2014 Mercedes-Benz C-Class by improving your credit score. Drivers who have excellent credit tend to be more responsible than those with worse credit.
  • Higher premiums for policy lapses – Letting your insurance expire is a quick way to increase your auto insurance rates. Not only will you pay more, failure to provide proof of insurance could earn you fines or a revoked license.
  • Older drivers are lower risk – Teenage drivers are known to be easily distracted with other occupants in the car so they pay higher auto insurance rates. Older drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Low coverage deductibles mean high premiums – The deductibles you choose are how much the insured will be required to pay before your auto insurance pays a claim. Physical damage protection, also called ‘full coverage’, covers damage that occurs to your car. Some coverage claims would be collision with another vehicle, vandalism, and damage from wind. The more you are required to pay out-of-pocket, the lower your rates will be for C-Class coverage.
  • Use one insurance company and save – Most companies provide lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. The amount of the discounts can be ten percent or more. If you currently are using one company, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible.There is a chance you can find lower rates by buying auto insurance from a different company.

The easiest way to compare insurance rates from multiple companies utilizes the fact auto insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is provide details such as whether you drive to work or school, if a SR-22 is needed, whether your vehicle is owned or leased, and the type of vehicles you drive. Your information is submitted instantly to many different companies and they provide comparison quotes immediately.

To find lower rates now, click here and complete the form.

Earn discounts on auto insurance

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that many consumers don’t even know exist. Some of these disounts will be visible at quote time, but some need to be specially asked for prior to getting the savings.

  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles on a single policy can reduce rates for all insured vehicles.
  • Online Discount – A handful of companies will give a small break for buying your policy over the internet.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it can save substantially.
  • Club Memberships – Belonging to qualifying employment or professional organizations can get you a small discount on auto insurance.
  • Discount for Low Mileage – Driving fewer miles could qualify for discounted rates on garaged vehicles.
  • Defensive Driving Course – Taking time to complete a driver safety class could possibly earn you a 5% discount if you qualify.
  • College Student Discount – Kids who live away from home to go to college and don’t have a car may be able to be covered for less.
  • Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
  • Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • Switch and Save Discount – Select larger companies give a discount for switching policies early. It can save you around 10%.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates you could get a free auto insurance policy, you aren’t that lucky.

Some of the larger companies that have these money-saving discounts include:

When comparing rates, check with every prospective company to apply every possible discount. Discounts may not apply to policies in your area.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions may help highlight if your situation might need an agent’s assistance.

  • Who is covered when they drive my 2014 Mercedes-Benz C-Class?
  • Where can I find DUI or SR-22 insurance?
  • Should I drop comprehensive coverage on older vehicles?
  • Are rental cars covered under my policy?
  • How much liability coverage do I need in my state?
  • Should I have combined single limit or split liability limits?
  • Is my nanny covered when driving my vehicle?
  • What vehicles should carry emergency assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of car insurance aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverages offered by car insurance companies.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, crashing into a ditch, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, theft, hail damage and hitting a deer. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Auto liability – Liability coverage protects you 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.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as legal defense fees, medical services and structural damage. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance pay for expenses for things like ambulance fees, surgery and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Better coverage you can count on

You just learned a lot of tips how to get a better price on 2014 Mercedes-Benz C-Class insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. You may even discover the best prices are with the least-expected company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or GEICO.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. In too many instances, drivers have reduced uninsured motorist or liability limits only to find out that it was a big error on their part. Your aim should be to get the best coverage possible at the best cost while not skimping on critical coverages.

Much more information about insurance is available below: