Cheaper 2013 Mercedes-Benz C-Class Insurance Rates

Trying to find better insurance prices for a Mercedes-Benz C-Class can turn out to be difficult, but you can learn the following methods to save time. There are more efficient ways to find insurance online and you need to know the absolute fastest way to get price quotes on a Mercedes-Benz and get the best price possible from both online companies and local agents.

How to Compare Car Insurance Rates

Finding a better price on car insurance is not rocket science. The only thing you need to do is take a couple of minutes comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

• The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This easy form keeps you from doing separate quotes to each individual car insurance company. One simple form will get you rate comparisons from all major companies. Just one form and you’re done.
• A slightly less efficient method to get quotes online is to take the time to go to the website for every company you want to comare and request a quote. For instance, let’s assume you want to compare rates from Nationwide, Allstate and State Farm. You would have to visit each site to input your insurance information, which is why the first method is more popular.

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

• The least efficient way of comparing rate quotes is to spend your day driving to and from local insurance agencies. The internet has reduced the need for local agents unless you prefer the trained guidance only provided by licensed agents. You can, however, price shop your coverage online but buy from a local insurance agent and you’ll learn how to do that later.

Which method you use is up to you, but compare apples-to-apples coverages and limits for each price quote. If you have different values for each quote it’s not possible to make an equal comparison.

Policy discounts you shouldn’t miss

Companies offering auto insurance don’t necessarily list every discount very clearly, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

• Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
• Life Insurance – Some companies give better rates if you take out a life insurance policy as well.
• No Charge for an Accident – Certain companies allow you one accident without raising rates if you are claim-free for a set time period.
• 55 and Retired – Mature drivers may be able to get a discount up to 10% on C-Class coverage.
• College Student – Children who are attending college and do not have access to a covered vehicle may qualify for this discount.
• Homeowners Discount – Owning a home can save you money because of the fact that having a home is proof that your finances are in order.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. The discount lasts up to age 25.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

To see a list of companies with the best insurance coverage discounts, click this link.

Insurance agents can help

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions can aid in determining whether you will benefit from professional help.

• Is business equipment covered while in my vehicle?
• Am I covered when driving someone else’s vehicle?
• I have health insurance so do I need medical payments coverage?
• Do I need PIP (personal injury protection) coverage in my state?
• Is my 2013 Mercedes-Benz C-Class covered for flood damage?
• Will my rates increase for filing one claim?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form. It is quick, free and can help protect your family.

Specifics of your auto insurance policy

Knowing the specifics of auto insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as theft, a tree branch falling on your vehicle, damage from getting keyed, hitting a bird and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Med pay and PIP coverage pay for bills like ambulance fees, X-ray expenses and EMT expenses. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverage protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, sustaining damage from a pot hole, colliding with a tree, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on people or other property. It 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 might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as legal defense fees, funeral expenses and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.