2003 Mercedes-Benz C-Class Car Insurance Rates

Trying to find the cheapest insurance rates? Buyers have options when searching for the best price on Mercedes-Benz C-Class insurance. You can either waste hours calling around getting price quotes or leverage the internet to make rate comparisons. There are more efficient ways to compare insurance rates so we’re going to tell you the proper way to price shop coverage for a new or used Mercedes-Benz and get the cheapest rates from both online companies and local agents.

It’s a great practice to price shop coverage every six months since insurance rates go up and down regularly. Just because you had the lowest price on C-Class coverage a few years ago a different company probably has better rates today. Starting now, block out anything you think you know about insurance because I’m going to teach you the proper way to find lower rates on insurance.

Buying car insurance is not that difficult. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Consumers just need to learn how to get comparison quotes on the web.

Factors influencing Mercedes-Benz C-Class insurance rates

Smart consumers have a good feel for some of the elements that help determine the rates you pay for insurance. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are some of the items companies use to determine prices.

  • High crash test scores lower rates – Safer cars get lower rates. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates. If the Mercedes-Benz C-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Lower rates with optional equipment – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
  • Rural vs Urban Areas – Choosing to live in a rural area is a positive aspect when talking about insurance. Lower population translates into fewer accidents. Drivers in populated areas have more traffic problems and a longer drive to work. More time commuting translates into higher accident risk.
  • Liability coverage is peace of mind – Your policy’s liability coverage is the protection in the event that you are found to be at fault for personal injury or accident damage. It will provide legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
  • Never let your coverage lapse – Driving without insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, getting caught without coverage might get you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

The easiest way to get policy rate comparisons is to understand all the major auto insurance companies allow for online access to provide you with free rate quotes. To get started, all you need to do is take a few minutes to give details like if you went to college, if the car is leased, how much coverage you want, and if you’re married. Those rating factors gets transmitted to insurance companies and they return cost estimate within a short period of time.

Do you really save 40% when you switch?

Drivers can’t ignore all the ads for the lowest price auto insurance from companies such as Allstate, Geico and Progressive. All the companies make an identical promise that you’ll save big if you change your policy.

But how can every company say the same thing?

All companies have a certain “appetite” for the type of driver that is profitable for them. For example, a preferred risk might be profiled as between the ages of 30 and 50, has no prior claims, and has excellent credit. A driver who meets those qualifications is entitled to the best price and most likely will save quite a bit of money when switching.

Potential insureds who don’t qualify for the requirements will be quoted higher premiums which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s why companies can truthfully claim big savings. This emphasizes why drivers must compare as many rates as you can. It’s impossible to know which company will fit your personal profile best.

Cut prices on Mercedes-Benz C-Class insurance

Car insurance companies don’t always advertise all their discounts very clearly, so we researched some of the more common and also the lesser-known insurance savings. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Claim Free – Claim-free drivers can earn big discounts when compared to bad drivers.
  • Defensive Driver – Taking part in a course in driver safety could cut 5% off your bill if your company offers it.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates on C-Class coverage than drivers with accident claims.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Resident Student – Kids in college who live away from home without a vehicle on campus may qualify for this discount.
  • Government Employees – Simply working for the federal government could cut as much as 10% off on C-Class coverage with select insurance companies.

It’s important to understand that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, insurance companies aren’t that generous.

A partial list of companies that may have these discounts include:

Before buying, ask each company how you can save money. Some discounts may not be available in your state.

Tailor your coverage to you

When choosing adequate coverage, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Am I covered when delivering products for my home-based business?
  • Will filing a claim cost me more?
  • Do I need replacement cost coverage?
  • Should I carry comprehensive and collision coverage?
  • Are my friends covered when driving my car?
  • Do I pay less if my vehicle is kept in my garage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Learn about car insurance coverages for a Mercedes-Benz C-Class

Learning about specific coverages of your policy aids in choosing the right coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, theft, damage from flooding and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage – This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2003 Mercedes-Benz C-Class.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for immediate expenses like funeral costs, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

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

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter, damaging your car on a curb, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability coverage – Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for claims such as structural damage, medical services, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy as high a limit as you can afford.

A penny earned…

Discount 2003 Mercedes-Benz C-Class insurance can be sourced both online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some companies do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.

Insureds leave their current company for a number of reasons such as lack of trust in their agent, policy cancellation, high prices and policy non-renewal. Whatever your reason, choosing a new company is not as difficult as it may seem.

As you restructure your insurance plan, never buy less coverage just to save a little money. In many instances, an insured cut full coverage only to regret at claim time that it was a big error on their part. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.

Much more information about insurance can be read below: