How Much Does 2012 Mercedes-Benz C-Class Car Insurance Cost?

Want cheaper insurance rates for your Mercedes-Benz C-Class? Nobody I know enjoys paying for insurance, particularly when their premiums are through the roof. Big companies like Progressive, State Farm and Geico all promote huge savings with ad campaigns and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

It is always a good idea to check insurance prices on a regular basis due to the fact that insurance rates change quite often. Just because you found the lowest rates on C-Class coverage six months ago you can probably find a better price now. Don’t believe everything you read about insurance on the web, but with this article, you’re going to get some great ways to find cheap insurance.

Verify you’re getting all your discounts

Auto insurance companies don’t always publicize every available discount very well, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you don’t get every credit available, you’re paying more than you need to.

  • Accident Waiver – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Student in College – Children who live away from home without a vehicle on campus can receive lower rates.
  • Bundle and Save – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance from them.

It’s important to understand that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as medical payments or collision. So even though they make it sound like you could get a free auto insurance policy, companies don’t profit that way.

To see a list of insurance companies with discount auto insurance rates, click here to view.

When should I talk to an agent?

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out if your situation might need an agent’s assistance.

  • Should I carry comprehensive and collision coverage?
  • Is my Mercedes-Benz C-Class covered if I use it for business?
  • Will my rates increase for filing one claim?
  • Can I afford low physical damage deductibles?
  • Am I insured when driving a different vehicle?
  • How high should my medical payments coverage be?
  • Does liability extend to a camper or trailer?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Collision – Collision insurance will pay to fix damage to your C-Class from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as rolling your car, scraping a guard rail and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2012 Mercedes-Benz C-Class.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, hitting a bird, damage from a tornado or hurricane and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability – Liability coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. 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. You might see policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as loss of income, legal defense fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage provide coverage for expenses such as ambulance fees, surgery and funeral costs. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage

One last thing about your coverage

We’ve covered quite a bit of information on how to save on 2012 Mercedes-Benz C-Class insurance. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from some of the lesser-known companies. Some small companies may only write in your state and offer lower rates compared to the large companies like Progressive and Geico.

Budget-conscious insurance is attainable on the web as well as from independent agents, so you should compare both to have the best rate selection. Some insurance providers don’t offer online price quotes and many times these regional insurance providers only sell through independent insurance agents.

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