Save on 2010 Mercedes-Benz C-Class Insurance Quotes

Searching for better insurance prices for a Mercedes-Benz C-Class can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to save time. There are both good and bad ways to shop for auto insurance so we’re going to tell you the absolute fastest way to get price quotes for your Mercedes-Benz and get the best price possible either online or from local insurance agents.

It’s smart to check auto insurance prices occasionally because insurance rates trend upward over time. If you had the lowest rates for C-Class insurance on your last policy you can probably find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn how to quote online to eliminate unnecessary coverages and save money.

How to Compare Insurance Quotes

Cutting your insurance rates is not rocket science. You just need to take a couple of minutes getting comparison quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  1. Probably the best way to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This form keeps you from doing repetitive form submissions for every insurance company. Filling out one form compares rates from multiple companies. It’s definitely the quickest method.
  2. A more time consuming way to shop for insurance online requires a trip to each individual company website and request a quote. For sake of this example, let’s assume you want to compare Liberty Mutual, Geico and Farmers. You would have to go to every website and enter your information, and that’s why the first method is more popular.

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

  3. The least recommended way of getting rate comparisons is driving around to different agent offices. The internet has reduced the need for local agents unless you have a need for the professional advice that only a license agent can provide. Drivers can price shop online but still have the advice of a local agent and we’ll cover that in a bit.

It’s up to you how you get prices quotes, just compare identical quote information for every quote you compare. If you enter different liability limits it will be impossible to decipher which rate is best.

Save with discounts on Mercedes-Benz C-Class insurance

Auto insurance companies do not list every discount in an easy-to-find place, so we researched both the well known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you are throwing money away.

  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • Government Employees – Employees or retirees of the government may qualify you for a discount for C-Class insurance with a few insurance companies.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
  • Organization Discounts – Participating in certain professional organizations could qualify you for a break on insurance for C-Class insurance.
  • Military Rewards – Being on active duty in the military could mean lower rates.
  • Bundle and Save – If you have multiple policies with the same company you may earn up to 20% off your total premium.

Keep in mind that most credits do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

Car insurance companies that possibly offer these discounts may include but are not limited to:

Before buying, ask each company how you can save money. All car insurance discounts may not be available in every state.

Tailor your coverage to you

When it comes to choosing adequate coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine if you will benefit from professional help.

  • When should I not file a claim?
  • Am I covered if I hit a deer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is motorclub coverage worth it?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when driving a rental car?
  • How much can I save by bundling my policies?

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. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Why your Mercedes-Benz C-Class insurance rates may be high

Smart consumers have a good feel for the different types of things that come into play when calculating auto insurance rates. Knowing what determines base rates enables informed choices that can help you get big savings.

  • Equipment add-ons that lower auto insurance rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • High credit ratings translate to low rates – Your credit score is a huge factor in calculating your auto insurance rates. If your credit is lower than you’d like, you could potentially save money when insuring your 2010 Mercedes-Benz C-Class by repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have poor credit.
  • More people means more accidents – Choosing to live in less populated areas can be a good thing when talking about auto insurance. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have much more traffic to deal with and longer commute times. More time commuting translates into higher accident risk.
  • You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on higher rates. Car insurance companies give discounts to insureds who file claims infrequently. Insurance coverage is meant to be used in the event of major claims that would cause financial hardship.
  • Liability coverage is peace of mind – Liability coverage provides coverage if ever you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Occupations like doctors, executives and stock brokers tend to have the highest rates attributed to stressful work requirements and long work days. On the other hand, occupations such as scientists, students and homemakers receive lower rates for C-Class insurance.
  • Never let your coverage lapse – Allowing your auto insurance policy to lapse will be a sure-fire way to bump up your auto insurance costs. Not only will you pay more, but not being able to provide proof of insurance might get you a revoked license or a big fine.You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • More miles equals more premium – The more you drive each year the more you will pay for auto insurance. Most companies charge to insure your cars based on how the vehicle is used. Cars not used for work or commuting qualify for better rates compared to those used for work or business. An improperly rated C-Class can cost quite a bit. Ask your agent if your auto insurance policy properly reflects the correct driver usage.

What insurance coverages do you need?

Having a good grasp of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Liability car insurance

This coverage will cover injuries or damage you cause to people or other property. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical expenses, medical services and repair costs for stationary objects. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

Collision coverage will pay to fix damage to your C-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as crashing into a ditch, colliding with a tree, damaging your car on a curb, hitting a mailbox and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses for pain medications, surgery, funeral costs, prosthetic devices and doctor visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like hail damage, damage from getting keyed and theft. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop Smart and Save

Throughout this article, we presented a lot of information how to shop for 2010 Mercedes-Benz C-Class insurance online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. You may even find the lowest rates come from some of the lesser-known companies.

Insureds leave their current company for a number of reasons such as high prices, poor customer service, high rates after DUI convictions and even being labeled a high risk driver. No matter why you want to switch, switching car insurance companies is less work than it seems.

Cheaper insurance is available on the web as well as from independent agents, so compare prices from both to have the best rate selection. There are still a few companies who don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

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