2003 Mercedes-Benz C-Class Insurance Rates – 9 Tips for Cheaper Quotes

I can’t think of anyone who rejoices having to buy insurance coverage, especially knowing the cost is way too high.

Since people have many options when it comes to insurance coverage, it is very difficult to pick the most affordable insurer.

You should make it a habit to get comparison quotes quite often due to the fact that insurance prices go up and down regularly. Just because you found the best quotes for C-Class insurance two years ago other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to teach you the things you must know in order to reduce your cost while increasing coverage.

Quote insurance coverage online

The majority of larger companies such as 21st Century, Allstate and State Farm allow you to get coverage price quotes from their websites. Obtaining pricing is possible for anyone because you just enter the coverages you want into the quote form. When complete, their rating system sends out for information on your driving record and credit history and returns a price quote based on these and other factors. Online price estimates helps simplify price comparisons, but having to visit several different sites and type in your information can get tiresome after awhile. But it’s very important to perform this step if you want to find better prices.

The smarter way to find cheaper rates uses just one form to obtain quotes from more than one company. This type of form saves time, eliminates repetitive work, and makes online price comparison much easier. As soon as you send your information, it is rated and you can choose any of the quotes returned.

If you find a better price it’s easy to complete the application and buy the new coverage. The entire process can be completed in a matter of minutes and could lower your rates considerably.

To compare rates now, simply click here to open in new window and submit your coverage information. If you have a policy now, it’s recommended you enter your coverages just like they are on your policy. Using the same limits helps guarantee you will be getting a price comparison based on the exact same insurance coverage.

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Auto insurance in the media

Auto insurance providers like 21st Century, Allstate and State Farm regularly use television and radio advertisements. All the companies say the same thing about savings just by switching your auto insurance policy to them. That’s great but how can every company charge lower premium rates? You have to listen carefully.

Most companies give the cheapest rates for a prospective insured that earns them the highest profit. An example of a profitable customer might be described as married and over the age of 30, has few claims, and drives a safe vehicle. Any driver who fits those characteristics will get a cheap rate quote and as a result will probably cut their rates if they switch.

People who don’t meet those criteria will probably have to pay a more expensive rate and the prospect going elsewhere. The trick is to say “people who switch” not “everyone that quotes” save that kind of money. That is how insurance companies can confidently make those claims.

Because of the profiling, drivers should get a wide range of price quotes. It is just not possible to predict with any certainty which company will give you lower premium rates than your current company.

Insurance discounts are available to lower your rates

Companies offering auto insurance don’t always publicize every available discount in a way that’s easy to find, so the below list has some of the best known as well as some of the hidden discounts that may be available.

• Distant Student Discount – College-age children living away from home attending college without a vehicle on campus may be able to be covered for less.
• Discount for Low Mileage – Maintaining low annual mileage could be rewarded with discounted rates on garaged vehicles.
• Senior Discount – Mature drivers may be able to get better insurance rates for C-Class insurance.
• Defensive Driver Discounts – Completing a course that instructs on driving safety is a good idea and can lower rates and easily recoup the cost of the course.
• Passive Restraints and Air Bags – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
• Save with a New Car – Putting insurance coverage on a new car can save up to 30% because new vehicles are generally safer.
• Professional Memberships – Being in a qualifying organization could earn you a nice discount on insurance.
• Discount for Swiching Early – A few insurance companies offer discounts for signing up prior to your current policy expiration. You can save around 10% with this discount.
• Drive Safe and Save – Safe drivers can save as much as half off their rates for C-Class insurance than drivers with accidents.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will bring down the cost of your policy.

Car insurance companies that may have many of the previously listed discounts include:

• Geico
• Travelers
• Nationwide
• Farmers Insurance
• Esurance
• State Farm
• Progressive
• Mercury Insurance

If you need cheaper auto insurance quotes, ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. To view providers with the best discounts, click here.

Everyone needs different auto insurance coverages

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your insurance needs would benefit from professional advice.

• Can my teen driver be rated on a liability-only vehicle?
• Are rental cars covered under my policy?
• Are my tools covered if they get stolen from my vehicle?
• What can I do if my company won’t pay a claim?
• Should I have a commercial auto policy?
• Is business equipment covered while in my vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

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Information about specific coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Collision coverage

This pays to fix your vehicle from damage from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, crashing into a ditch, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive coverages

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, rock chips in glass, hitting a deer and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability car insurance

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in 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. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as court costs, attorney fees, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, funeral costs, ambulance fees and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if you do not have health 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 only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Don’t be a big spender

When you buy auto insurance online, you should never sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice uninsured motorist or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Low-cost 2003 Mercedes-Benz C-Class insurance can be sourced on the web as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance providers do not provide the ability to get quotes online and these small, regional companies work with independent agencies.

More detailed insurance coverage information is available at these sites:

• Prom Night Tips for Teen Drivers (State Farm)
• How do I File a Claim? (Insurance Information Insitute)
• Side Impact Crash Tests (iihs.org)
• Get the Right Protection (InsureUonline.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)

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