Compare 2012 Mercedes-Benz C-Class Car Insurance Rates

Think you have high-priced insurance coverage? Believe me when I say there are many consumers feeling the pinch from expensive insurance coverage. Big companies like State Farm, Allstate, Geico and Progressive all promote huge savings with TV and radio ads and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

It’s a great practice to get comparison quotes periodically because prices go up and down regularly. If you had the best rate on C-Class coverage six months ago there is a good chance you can find better premium rates now. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in one of the best ways to find lower rates on insurance coverage.

How to buy insurance online

Most major insurance companies allow you to get prices direct online. Getting prices online is very simple as all you need to do is type in the coverage amounts you desire into the quote form. Behind the scenes, the quote system sends out for your credit score and driving record and gives you a price quote. This makes it easy to compare insurance prices but the time required to go to many different websites and type in the same information is monotonous and tiresome. But it is imperative to have as many quotes as possible in order to get better prices.

A less time-consuming method to get multiple rate quotes requires only one form to get prices from a lot of companies. The form is fast, eliminates repetitive work, and makes quoting online much easier. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any or none of the quotes returned.

If the quotes result in lower rates, you can click and sign and purchase the new policy. This process takes less than 15 minutes and you will find out if you’re overpaying now.

In order to compare rates using this form now, click here and submit your coverage information. If you have a policy now, it’s recommended you copy the coverages as close as possible to your current policy. Doing this assures you will be getting a fair comparison based on identical coverages.

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Why you might not save $387 a year

Drivers can’t get away from ads for car insurance savings by companies like 21st Century, Allstate and State Farm. They all seem to convey the message of big savings just by moving your coverage.

How do they all charge lower premium rates? It’s all in how they say it.

Insurance companies have a preferred profile for the type of driver that earns them the most money. An example of this type of insured might be described as between 25 and 40, insures multiple vehicles, and drives less than 5,000 miles a year. A propective insured that matches those criteria is entitled to the best price and as a result will probably save a lot if they switch.

Insureds who may not quite match these standards will probably have to pay a more expensive rate and ends up with the customer buying from a different company. Company advertisements say “people who switch” not “everyone who quotes” save money. That’s the way companies can truthfully make claims that they all have the best premium rates.

Because every company is different, it’s extremely important to do a price quote comparison at every renewal. Because you cannot predict which company will provide the lowest auto insurance rates.

Learn how to buy insurance coverage for less

Multiple criteria are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving record, although some other factors are less obvious like where you live or your commute time.The best way to find cheaper insurance coverage is to take a look at the rating factors that help determine the rates you pay for insurance coverage. If you have some idea of what impacts premium levels, this allows you to make good choices that may result in big savings.

• Lower rates come with age – Older people are proven to be safer behind the wheel, statistically cause fewer accidents and receive fewer citations.Beginning drivers are statistically proven to be easily distracted in a vehicle therefore insurance coverage rates are much higher.
• Marriage is a good thing – Walking down the aisle may earn you lower rates on your policy. Marriage demonstrates that you tend to be more responsible and it’s proven that being married results in fewer claims.
• Liability is cheap – Liability insurance will provide protection when you are found to be at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so do not cut corners here.
• Drive less and pay lower prices – Driving more miles every year the more you’ll pay to insure it. Many insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles that are left in the garage receive better premium rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage declarations sheet states how each vehicle is driven, because improper ratings can cost you money. Having the wrong rating on your C-Class may be costing you higher rates.

Cheap insurance quotes with discounts

Insurance can be prohibitively expensive, but you can get discounts to help bring down the price. Certain credits will be shown at the time you complete a quote, but some may not be applied and must be specially asked for before being credited.

• Professional Organizations – Belonging to specific professional or occupational memberships or organizations may earn a discount on your policy.
• Student Discount for Driver Training – Have your child take driver’s ed class in high school.
• Air Bags and Passive Restraints – Factory air bags or motorized seat belts could see savings of 20 to 30 percent.
• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on C-Class coverage compared to accident prone drivers.
• Buy New and Save – Insuring a new car can be considerably cheaper because newer vehicles keep occupants safer.
• Discount for Multiple Policies – If you can combine your auto and homeowners policy with the same insurance company you could get a discount of at least 10 to 15 percent or more.

Discounts lower rates, but most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride.

If you would like to view companies offering insurance discounts, click here.

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Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions may help highlight if you might need professional guidance.

• How high should deductibles be on a 2012 Mercedes-Benz C-Class?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered if I drive in a foreign country?
• Should I get collision insurance on every vehicle?
• Is my ex-spouse still covered by my policy?
• How can I get my company to pay me more for my totalled car?
• I don’t drive much so do I pay less?
• Does insurance cover damages from a DUI accident?

If you can’t answer these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

Insurance coverage breakdown

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Liability coverages

This coverage protects you from damage that occurs to people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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 might see limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Another option is a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, loss of income and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like rock chips in glass, damage from getting keyed, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your 2012 Mercedes-Benz C-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills such as funeral costs, surgery and doctor visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays for damage to your C-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, colliding with a tree, damaging your car on a curb and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Find Good Coverage for Less

When you buy insurance coverage online, never sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced collision coverage only to discover later that the savings was not a smart move. Your focus should be to buy the best coverage you can find for the lowest cost while not skimping on critical coverages.

Lower-priced 2012 Mercedes-Benz C-Class insurance is definitely available from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers may not have the ability to get a quote online and these regional insurance providers only sell through independent agents.

To learn more, feel free to visit the articles below:

• Understanding Car Crashes Video (iihs.org)
• Event Data Recorders FAQ (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)

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