2018 Mercedes-Benz C-Class Car Insurance Quotes – 7 Ways to Save

Searching for lower insurance coverage rates for your Mercedes-Benz C-Class? Did you make the mistake of buying an overpriced insurance coverage policy? You’re preaching to the choir because there are many people just like you.

Because you have many options, it’s nearly impossible to find a lower cost insurer.

First Step: Get free insurance coverage quotes

When shopping for inexpensive insurance coverage quotes, there are a couple of ways of comparing price quotes from local insurance coverage companies. The simplest method to find the lowest 2018 Mercedes-Benz C-Class rates is to perform an online rate comparison. It is quite easy and can be accomplished using a couple different methods.

1. The recommended way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This easy form prevents you from having to do a different quote for each company you want a rate for. One simple form compares rates instantly.
2. A different way to analyze rates is spending the time to visit the website of each company and request a quote. For instance, let’s say you want to see prices from Farmers, Safeco and Geico. You would be required to go to every website and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.

Take whichever approach you prefer, but try to use identical quote data for each comparison quote. If you have different deductibles it’s impossible to determine the best price for your Mercedes-Benz C-Class. Just a small difference in limits could throw off the whole comparison. Keep in mind that comparing more rates from different companies will enable you to find better pricing.

Don’t overlook these seven car insurance discounts

Some insurers don’t necessarily list all possible discounts in a way that’s easy to find, so the list below contains some of the more common in addition to some of the lesser obvious discounts that may be available.

• Federal Employees – Active or former government employment can earn a discount up to 10% on C-Class coverage depending on your car insurance provider.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
• Homeowners Savings – Owning a home may trigger a policy discount on car insurance since owning and maintaining a home is proof of financial responsibility.
• Bundled Policy Discount – When you have multiple policies and place coverage with the same company you may save nearly 15% which can help you find affordable insurance coverage.
• Full Payment Discount – By paying your policy upfront as opposed to paying monthly you can actually save on your bill.
• E-sign Discounts – Certain companies may give you up to $50 shop insurance coverage on your computer.
• Professional Memberships – Affiliation with a professional or civic organization can get you a small discount when getting a insurance coverage quote.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

A list of companies and the discounts they provide are outlined below.

• State Farm discounts include anti-theft, good driver, driver’s education, multiple policy, defensive driving training, and student away at school.
• Geico offers discounts including five-year accident-free, anti-theft, defensive driver, driver training, federal employee, and daytime running lights.
• SAFECO offers discounts for safe driver, teen safe driver, homeowner, teen safety rewards, anti-lock brakes, and multi-car.
• Farmers Insurance policyholders can earn discounts including multi-car, switch companies, good student, teen driver, and mature driver.
• AAA has savings for multi-policy, education and occupation, anti-theft, good student, multi-car, and pay-in-full.
• USAA has discounts for military installation, safe driver, new vehicle, loyalty savings, and defensive driver.

If you need lower rates, check with every insurance company how you can save money. Some credits may not apply in your area. To choose car insurance companies who offer free car insurance quotes, click here.

When to get professional advice

When buying the best insurance coverage, there isn’t really a best way to insure your cars. Every situation is different so your insurance should reflect that For instance, these questions could help you determine whether you would benefit from an agent’s advice.

• Are split liability limits better than a combined single limit?
• Are my tools covered if they get stolen from my vehicle?
• Should I sign the liability waiver when renting a car?
• Is my Mercedes-Benz C-Class covered if I use it for business?
• Is borrowed equipment or tools covered if stolen or damaged?
• When should my teen driver be added to my policy?
• Are my friends covered when driving my 2018 Mercedes-Benz C-Class?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverages and their meanings

Understanding the coverages of your policy aids in choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses such as dental work, funeral costs, doctor visits, hospital visits and pain medications. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance protects you from damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: 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 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire 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 provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like legal defense fees, bail bonds, court costs and emergency aid. How much liability should you purchase? That is your choice, but buy as large an amount as possible.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, damaging your car on a curb, hitting a mailbox, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive auto coverage – Comprehensive insurance covers 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 falling objects, vandalism and hitting a deer. The maximum payout you can receive from a comprehensive claim 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 – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz C-Class.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.