Compare 1997 Mercedes-Benz C-Class Insurance Rates

Sick and tired of paying out the nose to pay your auto insurance bill each month? You are no different than most other vehicle owners.

Vehicle owners have many auto insurance companies to choose from, and even though it’s nice to have multiple companies, having more insurance companies makes it harder to find the lowest rates.

Car insurance discounts help slash rates

Some companies don’t necessarily list every possible discount in an easy-to-find place, so the below list has a few of the more well known as well as some of the hidden credits available to bring down your rates. If you do not check that you are getting every discount you deserve, you could be saving more on your car insurance.

• No Charge for an Accident – Not really a discount, but some companies like Geico, Allstate and Liberty Mutual will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
• Anti-lock Brake System – Cars with ABS braking systems or traction control are safer to drive and earn discounts up to 10%.
• Service Members Pay Less – Being deployed in the military could trigger a small discount.
• Driver’s Education for Students – Require your teen driver to take driver’s ed class in high school.
• Safety Restraint Discount – Requiring all passengers to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts can get savings of more than 20%.
• Resident Student – Youth drivers who are enrolled in a college that is more than 100 miles from home and don’t have a car can receive lower rates.
• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less for C-Class insurance compared to rates paid by drivers with frequent claims.
• Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage for C-Class insurance with certain companies.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like all those discounts means the company will pay you, companies wouldn’t make money that way.

To view car insurance companies with discount rates, click here to view.

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Compare car insurance price quotes online

Most of the larger companies such as Progressive, Geico, Allstate and State Farm make it easy to get prices for coverage on the web. Doing online quotes is very simple as you just type in your required coverages as detailed in the form. Once entered, the company’s rating system pulls credit information and your driving record and returns a price based on these and other factors. Being able to quote online simplifies rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it is imperative to have as many quotes as possible in order to get the best price possible.

Compare rates the easy way

A less time-consuming method to get multiple rate quotes utilizes a single form that obtains quotes from several different companies. It’s a real time-saver, requires less work, and makes comparison shopping much more efficient. After sending the form, it is rated and you can select your choice of the returned quotes. If a lower price is quoted, you can click and sign and purchase the new policy. It takes less than 15 minutes and may save quite a bit of money.

If you want to find out how much you’re overpaying now, simply click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you input coverages and limits exactly as they are listed on your policy. This helps ensure you will receive rate comparison quotes for the exact same coverage.

Informed drivers can reduce their insurance costs

Many factors are used in the calculation when you get a price on insurance. Some factors are common sense such as traffic violations, but some are more transparent like where you live and annual miles driven.The best way to find cheaper insurance coverage is to take a look at a few of the rating criteria that are used to determine your insurance coverage rates. When consumers understand what impacts premium levels, this empowers consumers to make smart changes that may result in better insurance coverage rates.

The itemized list below are some of the most common factors used by companies to determine premiums.

• Choose high safety ratings and save – Vehicles that have high safety ratings get lower rates. Safe vehicles have better occupant injury protection and better occupant protection means your insurance company pays less which can result in lower premiums. If the Mercedes-Benz C-Class scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
• Raising comp and collision deductibles saves money – Your deductibles define the amount you are willing to pay before a claim is paid by your company. Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Some examples of covered claims are collision with another vehicle, animal collisions, or theft of your vehicle. The more money you pay before a claim is paid (deductible), the lower your rates will be for C-Class insurance.
• Insure your auto and home with one company – Lots of insurers give better rates to people that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount you still need to compare rates to confirm you are receiving the best rates possible.
• Save money with responsible credit – Having a good credit history factor in determining what you pay. Insureds with very high credit ratings tend to be better drivers and file fewer claims than those with lower ratings. Therefore, if your credit score can use some improvement, you may save money insuring your 1997 Mercedes-Benz C-Class if you improve your credit rating.
• Youthful drivers pay higher rates – Inexperience drivers are statistically proven to get distracted easily when driving with friends and because of this, their insurance coverage rates are much higher. Older, more experienced drivers have been proven to be more responsible, statistically cause fewer accidents , and usually have better credit.

Which is the best insurance coverage?

When choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Each situation is unique and your policy should reflect that. These are some specific questions can aid in determining if your situation might need professional guidance.

• I have a DUI can I still get coverage?
• Is my teen driver covered when they drive my company car?
• Can I rent a car in Mexico?
• Should I get collision insurance on every vehicle?
• Where can I find DUI or SR-22 insurance?
• What exactly is covered by my policy?
• How many claims can I have before being cancelled?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is my teenager covered with friends in the car?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

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The car insurance bait and switch

Car insurance providers like Progressive, Geico, Allstate and State Farm endlessly run ads on TV and radio. They all make the point that you’ll save big just by switching your policy. How is it possible that every company can make almost identical claims? This is the way they can do it.

Companies can use profiling for the type of customer that will generate a profit. A good example of a profitable risk profile might be described as a female over age 40, has no driving citations, and drives less than 5,000 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who fall short of these criteria will be charged higher premiums which results in business going elsewhere. If you pay attention, the ads say “drivers that switch” not “all people who quote” save that much when switching. This is how companies can truthfully claim big savings. That is why it is so important to get insurance coverage quotes from several different companies. It is impossible to predict which insurance companies will fit you best based on your risk profile.

Car insurance policy specifics

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Mercedes-Benz C-Class.

Since a lot of drivers only carry the minimum required liability 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.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, fire damage, a tree branch falling on your vehicle, theft and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision insurance

Collision insurance pays for damage to your C-Class from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like scraping a guard rail, colliding with a tree and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Auto liability

This coverage can cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like emergency aid, attorney fees, funeral expenses, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for hospital visits, dental work, ambulance fees, prosthetic devices and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

More comparisons equals lower rates

Discount 1997 Mercedes-Benz C-Class insurance can be purchased both online and from local agencies, and you need to price shop both to get a complete price analysis. There are still a few companies who don’t offer online rate quotes and usually these smaller companies prefer to sell through independent agents.

We just showed you a lot of tips how to save on 1997 Mercedes-Benz C-Class insurance. The key concept to understand is the more companies you get premium rates for, the higher your chance of finding cheaper insurance coverage. You may even discover the lowest car insurance rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper compared to the large companies like State Farm and Allstate.

Much more information about insurance coverage can be read at these links:

• Teen Driving Statistics (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• What is Covered by GAP Insurance? (Allstate)

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