1994 Mercedes-Benz C-Class Car Insurance Quotes – 7 Ways to Save

Trying to find low-cost insurance for a Mercedes-Benz C-Class can turn out to be an all-consuming task, but you can use our auto insurance buying tips to save time.

There is a better way to shop for auto insurance and you need to know the quickest way to compare rates for your Mercedes-Benz and obtain the best price possible from local insurance agents and online providers.

It’s a great practice to do rate comparisons at least once a year because insurance rates are variable and change quite frequently. Even if you think you had the lowest price for C-Class coverage last year other companies may now be cheaper. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the things you must know in order to find better coverage at a better price.

How much can you save with these seven discounts?

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to help bring down the price. Larger premium reductions will be automatically applied at the time of quoting, but some must be asked for before being credited. If you’re not getting every credit possible, you’re paying more than you need to.

  • New Vehicle Savings – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Early Signing – A few companies offer discounts for switching policies before your current expiration date. This can save 10% or more.
  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates on your policy for C-Class coverage.
  • Low Mileage Discounts – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Military Discounts – Having a family member in the military could mean lower rates.
  • Defensive Driving Course – Taking part in a defensive driving course could cut 5% off your bill depending on where you live.
  • Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.

Keep in mind that some credits don’t apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky. But any discount will reduce your overall premium however.

A partial list of companies who might offer these discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. Savings may not apply in your state.

How much car insurance do I need?

When buying coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if your situation could use an agent’s help.

  • Is my custom paint covered by insurance?
  • What vehicles should carry emergency assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • Are rock chip repairs covered?
  • Does my medical payments coverage pay my health insurance deductible?
  • If I drive on a suspended license am I covered?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

How can Geico, State Farm and Progressive save drivers who switch?

Consumers can’t get away from ads that promise big savings from the likes of Geico, State Farm and Progressive. They all seem to make an identical promise that you can save if you change your coverage to them.

How can each company claim to save you money?

All companies have a certain “appetite” for the right customer they prefer to insure. For instance, a preferred risk might be profiled as between 30 and 50, owns a home, and chooses high deductibles. Any new insured that hits that “sweet spot” gets the lowest rates and most likely will pay quite a bit less when switching companies.

Potential customers who don’t qualify for the “perfect” profile will be quoted a higher premium which leads to the customer not buying. The ads say “customers who switch” not “everyone that quotes” save that much. This is how companies can claim big savings.

This emphasizes why it is so important to quote coverage with many companies. It is impossible to predict which insurance companies will have the lowest Mercedes-Benz C-Class insurance rates.

Insurance coverage options for a Mercedes-Benz C-Class

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Collision coverage – Collision coverage covers damage to your C-Class resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, rolling your car, backing into a parked car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include 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 only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for expenses such as chiropractic care, nursing services, dental work, ambulance fees and surgery. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverages – This protects you from damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like bail bonds, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, hitting a deer, theft and a tree branch falling on your vehicle. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Make a quick buck

We’ve covered a lot of techniques to shop for 1994 Mercedes-Benz C-Class insurance online. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with the least-expected company.

Consumers who switch companies do it for a variety of reasons including policy non-renewal, unfair underwriting practices, extreme rates for teen drivers or even lack of trust in their agent. Regardless of your reason, finding a new car insurance company can be easier than you think.

Cheaper insurance can be sourced both online in addition to many insurance agents, so compare prices from both to have the best rate selection. Some companies do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

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