2014 Mercedes-Benz C-Class Insurance Cost – 7 Ways to Save

Searching for cheaper insurance for a Mercedes-Benz C-Class can turn out to be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to buy auto insurance so we’re going to tell you the absolute fastest way to quote coverages for a Mercedes-Benz and get the lowest price.

If you are insured now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Shopping for the cheapest car insurance is not that difficult. Consumers only need an understanding of the best way to compare prices on the web.

Save on 2014 Mercedes-Benz C-Class insurance

Companies that sell car insurance don’t always list all their discounts in an easy-to-find place, so we researched some of the more common and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit available, you’re just leaving money on the table.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
  • Own a Home – Simply owning a home can help you save on auto insurance because owning a home shows financial diligence.
  • No Claims – Drivers with accident-free driving histories can earn big discounts compared to frequent claim filers.
  • Drivers Education – Require your teen driver to enroll in driver’s education if offered at their school.
  • Save with a New Car – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Senior Discount – If you’re over the age of 55, you may receive a small decrease in premiums on C-Class coverage.

A little note about advertised discounts, most credits do not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

For a list of providers with discount auto insurance rates, click here.

Tailor your coverage to you

When buying proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation would benefit from professional advice.

  • If my pet gets injured in an accident are they covered?
  • When can I cancel my policy?
  • Which companies will insure high-risk drivers?
  • Will filing a claim cost me more?
  • Am I covered if I break a side mirror?
  • Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like pain medications, hospital visits, chiropractic care, funeral costs and dental work. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

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

Collision insurance covers things like damaging your car on a curb, hitting a mailbox, colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, damage from flooding, rock chips in glass and a broken windshield. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as funeral expenses, medical expenses and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Smart consumers save more

In this article, we presented a lot of information how to save on 2014 Mercedes-Benz C-Class insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may even find the most savings is with the least-expected company.

Drivers switch companies for any number of reasons including high rates after DUI convictions, denial of a claim, unfair underwriting practices or delays in paying claims. Regardless of your reason, choosing a new insurance company can be pretty painless.

When shopping online for auto insurance, it’s a bad idea to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your focus should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.

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