1998 Mercedes-Benz C-Class Insurance Cost

Searching for better car insurance rates? Consumers have many options when looking for low-cost Mercedes-Benz C-Class insurance. You can either spend your time struggling with agents to compare prices or utilize the internet to get rate quotes.

There is a right way and a wrong way to find car insurance online so you’re going to learn the best way to get price quotes for a Mercedes-Benz and obtain the lowest possible price.

If you have insurance now or need a new policy, you will benefit by learning to find better prices and still get good coverage. The purpose of this article is to let you in on how to effectively get price quotes. Vehicle owners just need to learn the most efficient way to compare price quotes on the web.

Auto Insurance Comparisons

There are a variety of methods to compare 1998 Mercedes-Benz C-Class auto insurance prices but some are easier and takes less work. You can waste hours driving to local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

Many of the larger companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company returns a rated price based on that data. This eliminates the need for quote forms to each company. To get comparison pricing now click here to start a free quote.

One minor caviat to doing it this way is that you can’t choose the providers you want to price. So if you prefer to pick specific insurance companies to receive pricing from, we have a page of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use identical coverage limits and deductibles with each company. If you compare differing limits it will be next to impossible to determine the lowest rate for your Mercedes-Benz C-Class.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if you would benefit from an agent’s advice.

  • If I drive on a suspended license am I covered?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I wreck a rental car?
  • Are my friends covered when driving my car?
  • Do I need replacement cost coverage?
  • How do I buy GAP insurance?
  • When should I not file a claim?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage information

Knowing the specifics of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive protection

This coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like theft, falling objects, rock chips in glass and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision insurance

Collision insurance pays for damage to your C-Class from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like hitting a mailbox, colliding with a tree, crashing into a building, colliding with another moving vehicle and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz C-Class.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like EMT expenses, X-ray expenses and hospital visits. They are used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover 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 only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like court costs, medical services, legal defense fees and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.