2013 Mercedes-Benz C-Class Car Insurance Quotes – 6 Tips to Save

Looking for the cheapest auto insurance rates for your Mercedes-Benz C-Class? Comparison shopping for more affordable auto insurance can seem to be slightly frustrating for people who are beginners to online price comparisons. With more and more companies in the marketplace, it can quickly become a difficult mission to locate the lowest premium rates.

Consumers need to compare premium rates as often as possible because insurance prices change quite often. Despite the fact that you may have had the lowest price for C-Class coverage two years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn the proper way to find better rates and still maintain coverage.

You may qualify for discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that you may not even be aware of. Many discounts should be triggered when you get a quote, but a few must be asked about prior to receiving the credit.

• Mature Driver Discount – Drivers that qualify as senior citizens can possibly qualify for a small decrease in premiums for C-Class coverage.
• No Charge for an Accident – This one isn’t a discount, but some companies like Geico, Progressive, and Allstate will turn a blind eye to one accident without the usual rate increase if you are claim-free for a specific time period.
• Low Mileage Discounts – Driving fewer miles can qualify you for slightly better prices than normal.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
• No Claims – Insureds with no claims or accidents can earn big discounts in comparison with frequent claim filers.

A little note about advertised discounts, some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way.

For a list of companies who offer cheap auto insurance quotes, click here.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover if you might need an agent’s assistance.

• How many claims can I have before being cancelled?
• Will filing a claim cost me more?
• Should I have combined single limit or split liability limits?
• Can I afford low physical damage deductibles?
• What is UM/UIM insurance?
• Can I rent a car in Mexico?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Specific coverages for a Mercedes-Benz C-Class

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Mercedes-Benz C-Class.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage covers damage to your C-Class resulting 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 colliding with a tree, scraping a guard rail and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, vandalism, theft, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability

This coverage protects you from damages or injuries you inflict on a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like attorney fees, court costs, structural damage and medical expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as doctor visits, funeral costs, dental work, prosthetic devices and chiropractic care. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

More effort can pay off

When searching for cheap insurance quotes, it’s very important that you do not reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret at claim time that the small savings ended up costing them much more. The aim is to buy enough coverage at the best price.

Drivers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, lack of trust in their agent, denial of a claim and poor customer service. It doesn’t matter what your reason, finding the right insurance provider can be easy and end up saving you some money.

In this article, we covered some good ideas how to shop for 2013 Mercedes-Benz C-Class insurance online. It’s most important to understand that the more you quote insurance, the higher the chance of saving money. Consumers could even find that the best car insurance rates are with the smaller companies.

To read more, feel free to browse the articles below:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Drunk Driving Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)