View 2000 Mercedes-Benz C-Class Insurance Cost

Feel like you’re a prisoner to an overpriced insurance coverage policy? Believe me, there are a lot of people just like you who feel imprisoned by their insurance coverage policy.

Because you have many choices, it’s difficult to find the cheapest insurer.

How to Get Cheap Insurance

The are a couple different ways to compare quotes and find the best price. The simplest method to find the cheapest 2000 Mercedes-Benz C-Class insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

  1. The recommended way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This form prevents you from having to do separate quotes for each company you want a rate for. One form submission will get you price quotes from many national carriers.
  2. A less efficient way to get quotes online consists of visiting each company website to request a price quote. For example, let’s assume you want comparison quotes from Progressive, Liberty Mutual and State Farm. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker.

    For a list of links to insurance companies in your area, click here.

  3. The most time-consuming method of getting rate comparisons is driving to local insurance agencies. The ability to buy insurance online has reduced the need for local agents unless you prefer the trained guidance of a local agent. Drivers can obtain prices from the web and still use a local agent and we’ll talk about that later.

Whichever way you use, ensure you’re using apples-to-apples coverages for every quote you compare. If your comparisons have higher or lower deductibles it’s impossible to make a fair comparison for your Mercedes-Benz C-Class. Slightly different coverages may cause a big price difference. And when comparison shopping, comparing a large number of companies gives you a better chance of getting better pricing.

Don’t miss out on these money-saving discounts

Auto insurance companies do not list all available discounts very well, so we took the time to find some of the best known as well as the least known discounts you could be receiving.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on C-Class insurance.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on C-Class insurance with a few insurance companies.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Accident Forgiveness – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a set time period.
  • Student Driver Training – Have your child enroll in driver’s education if it’s offered in school.

It’s important to note that many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Just because it seems like you can get free auto insurance, you’re out of luck.

For a list of providers with discount insurance rates, click here.

Do I need special coverages?

When buying the best insurance coverage coverage, there is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I covered when driving someone else’s vehicle?
  • Is my camper covered by my car insurance policy?
  • When should I drop full coverage on my 2000 Mercedes-Benz C-Class?
  • Where can I find high-risk insurance?
  • Is my cargo covered for damage or theft?
  • When should I not file a claim?
  • Does having multiple vehicles earn me a discount?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I total my 2000 Mercedes-Benz C-Class and owe more than it’s worth?
  • Am I covered when driving a rental car?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverage breakdown

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages found on the average insurance policy.

Uninsured or underinsured coverage – This provides protection when the “other guys” 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 2000 Mercedes-Benz C-Class.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive protection – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, hail damage, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability – This will cover injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims such as bail bonds, funeral expenses, loss of income and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Collision coverage – Collision insurance will pay to fix damage to your C-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like backing into a parked car, damaging your car on a curb, hitting a mailbox and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for ambulance fees, surgery, EMT expenses and prosthetic devices. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Be a Smart Shopper

Affordable 2000 Mercedes-Benz C-Class insurance is possible from both online companies and also from your neighborhood agents, and you should be comparing both to have the best rate selection. Some companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many situations where drivers have reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at an affordable rate while still protecting your assets.

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