Cheaper 1999 Mercedes-Benz C-Class Insurance Quotes

No one looks forward to buying car insurance, in particular when their premiums are too high. Because you have many different company options, it is hard for the average consumer to choose the right car insurance company.

The purpose of this post is to help educate you on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you will be able to cut costs considerably using this strategy. Drivers just need to learn the tricks to compare prices online.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but companies offer discounts to cut the cost considerably. A few discounts will automatically apply at the time you complete a quote, but lesser-known reductions have to be asked for before they will apply. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and earn discounts up to 10%.
Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
Multiple Policy Discount – If you have multiple policies with the same insurance company you may earn up to 20% off your total premium.
Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on C-Class insurance than their less cautious counterparts.
Payment Discounts – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
Paperwork-free – Certain companies may give you up to $50 simply for signing on their website.
New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
Claim Free – Good drivers with no accidents can save substantially compared to frequent claim filers.
Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

Insurance companies that possibly offer some of the above discounts are:

Double check with each company how you can save money. Discounts may not be available everywhere.

Compare Auto Insurance Costs

Finding a lower price on 1999 Mercedes-Benz C-Class insurance is not a difficult process. The only thing you need to do is take a few minutes comparing rates from different insurance companies. This can be done in a couple of different ways.

The single most time-saving way to get quotes would be an industry-wide quote request form (click to open form in new window). This method eliminates the need for separate quotes for each company. One quote request gets you price quotes from auto insurance companies with the best prices.
Another way to compare rate quotes requires a visit to the website of each company and request a quote. For example, we’ll assume you want comparison quotes from Farmers, Liberty Mutual and American Family. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.
The least efficient method of comparing rate quotes is to waste gas driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you require the personal advice of a local agent. You can, however, obtain prices from the web but buy from a local insurance agent and we’ll cover that in a bit.

Which method you use is up to you, but make absolute certain that you use apples-to-apples information for every company. If your comparisons have different deductibles it will be next to impossible to find the best deal for your Mercedes-Benz C-Class.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might help in determining if you would benefit from an agent’s advice.

How high should my medical payments coverage be?
Do I need to file an SR-22 for a DUI in my state?
Is my state a no-fault state?
If I drive on a suspended license am I covered?
Should I buy additional glass protection?
Does coverage extend to a rental car in a foreign country?
Can I get a multi-policy discount?
I have health insurance so do I need medical payments coverage?
Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverage specifics

Having a good grasp of your auto insurance policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average auto insurance policy.

Coverage for liability

This can cover damage or injury you incur to other’s property or people. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like funeral expenses, emergency aid, attorney fees, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like vandalism, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as EMT expenses, rehabilitation expenses, nursing services and surgery. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This coverage covers damage to your C-Class from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, colliding with a tree and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Don’t be a big spender

Throughout this article, we presented some good ideas how to reduce 1999 Mercedes-Benz C-Class insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even find the best prices are with a small local company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as State Farm, Geico and Nationwide.

Cost effective insurance can be sourced on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.