Compare 2015 Mercedes-Benz C-Class Car Insurance Rates

Trying to find better insurance rates? Buyers have lots of choices when searching for the lowest priced Mercedes-Benz C-Class insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to get rate quotes.

There are both good and bad ways to buy insurance so we’re going to tell you the best way to get price quotes for a Mercedes-Benz and locate the lowest price either online or from local insurance agents.

Save a ton with these discounts

Some insurers don’t always list all possible discounts very clearly, so we researched some of the more common and the harder-to-find car insurance savings.

• Defensive Driver Discounts – Completing a defensive driving course could cut 5% off your bill if you qualify.
• ABS Brakes – Anti-lock brake equipped vehicles have fewer accidents so companies give up to a 10% discount.
• Professional Memberships – Being a member of certain professional organizations is a good way to get lower rates on your next car insurance statement.
• Senior Citizen Discount – If you qualify as a senior citizen, you can get a discount up to 10% on C-Class coverage.
• Theft Deterent System – Vehicles equipped with anti-theft or alarm systems are stolen with less frequency so companies will give you a small discount.
• Telematics Discount – Drivers that enable driving data collection to analyze vehicle usage by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
• Discount for New Cars – Insuring a vehicle that is new can save you some money compared to insuring an older model.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like comp or med pay. Even though it appears adding up those discounts means a free policy, you aren’t that lucky.

Companies that may have some of the discounts shown above may include but are not limited to:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

When quoting, ask each company which discounts you may be entitled to. A few discounts may not be available in your area. To locate insurers with significant discounts, click here to view.

The easiest way to compare car insurance rates is to understand auto insurance companies participate in a system to compare rate quotes. To begin a comparison, all you need to do is provide a little information like if the vehicle is leased, what you do for a living, if it has an anti-theft system, and your general credit rating. Those rating factors is sent automatically to many of the top insurers and they return rate quotes quickly.

If you wish to get multiple quotes for your car now, click here and find out if lower rates are available.

Insurance can be complex

When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your situation may require specific advice.

• What if I owe more than I can insure my car for?
• Should I put collision coverage on all my vehicles?
• How do I buy GAP insurance?
• Is my dog or cat covered if injured in an accident?
• Do I really need UM/UIM coverage?
• Am I covered when driving in Canada or Mexico?
• Do I pay less for low miles?
• What is no-fault insurance?
• Am I covered if I hit my neighbor’s mailbox?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Car insurance policy coverages for a 2015 Mercedes-Benz C-Class

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Liability coverages

This protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, repair costs for stationary objects, legal defense fees and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills for things like pain medications, dental work and chiropractic care. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, damage from getting keyed and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz C-Class.

Since 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 similar to your liability insurance amounts.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, rolling your car, hitting a parking meter, backing into a parked car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Knowledge is power

Budget-conscious 2015 Mercedes-Benz C-Class insurance is possible both online as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies may not have online price quotes and many times these smaller providers work with local independent agencies.

We’ve covered some good ideas how you can get a better price on 2015 Mercedes-Benz C-Class insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the best price on insurance is with the least-expected company.

Insureds change insurance companies for any number of reasons including unfair underwriting practices, policy cancellation, extreme rates for teen drivers and denial of a claim. Regardless of your reason, switching companies can be easy and end up saving you some money.

Additional information can be read at the links below

• Choosing an Insurance Company (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Neck Injury FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)