Cheap 2001 Mercedes-Benz C-Class Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced car insurance policy? Trust us, you are not the only one feeling buyer’s remorse. Drivers have multiple auto insurance companies to purchase coverage from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to locate the cheapest rates.

It’s a great practice to get comparison quotes once or twice a year since rates change quite often. Even if you got the best rates on C-Class insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because you’re about to find out the only way to reduce your cost while improving coverage.

Pricing affordable coverage is quite easy. If you have insurance now or are shopping for new coverage, you will benefit by learning to reduce the price you pay while maximizing coverage. Drivers just need to learn how to compare company rates online.

How to Compare Auto Insurance Costs

Most major insurance companies give insurance quotes on their websites. Getting quotes is fairly straightforward as you simply enter your coverage preferences into the quote form. When the form is submitted, the system gets information on your driving record and credit history and generates a price based on these and other factors. Quoting online simplifies rate comparisons, but the work required to visit many different websites and type in the same information gets old quite quickly. But it’s very important to perform this step if you are searching for the best price possible.

There is a better way!

The easiest way to find better auto insurance pricing is to use a quote form that gets price quotes from several different companies. The form is fast, helps eliminate reptitive entry, and makes online shopping much more efficient. Immediately after you send the form, it gets priced and you can select any of the quote results.

If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process can be completed in a matter of minutes and could lower your rates considerably.

To quickly get comparison pricing now, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you duplicate the limits and deductibles as close as possible to your current policy. This way, you will get comparison quotes for the exact same coverage.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For instance, these questions might point out if your situation will benefit from professional help.

  • Should I have a commercial auto policy?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?
  • Do I need motorclub coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when driving a rental car?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages available from auto insurance companies.

Collision coverages – This coverage pays for damage to your C-Class resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, colliding with a tree, damaging your car on a curb and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred 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. So UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Liability car insurance – Liability coverage will cover damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like court costs, bail bonds and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive auto coverage – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from flooding, hitting a deer and rock chips in glass. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like doctor visits, ambulance fees and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay