Cheapest 1999 Mercedes-Benz C-Class Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Scraping up a payment for overpriced Mercedes-Benz C-Class insurance can overdraw your bank account and force you to prioritize other expenses. Comparison shopping is a smart way to lower your monthly bill.
With so many options, it’s nearly impossible to pick the lowest cost insurance company.
It’s a good idea to compare rates once or twice a year since insurance rates change regularly. Despite the fact that you may have had the lowest price on C-Class insurance a year ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use online quotes to properly buy coverages while reducing your premium.
Mercedes-Benz C-Class rates are complex
Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. Knowing what controls the rates you pay helps enable you to make changes that can help you get better auto insurance rates.
Shown below are some of the items that factor into your rates.
- Poor credit can mean higher rates – Credit history is a big factor in your rate calculation. If your credit rating is not that good, you could potentially save money when insuring your 1999 Mercedes-Benz C-Class by improving your rating. Drivers who have good credit tend to be better drivers and file fewer claims than those with lower credit scores.
- Men pay higher rates – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean men are worse drivers. They both have accidents in similar percentages, but men have costlier accidents. Men also have more aggressive citations like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
- Liability insurance protects assets – Liability insurance provides coverage in the event that a jury decides you are liable for personal injury or accident damage. It will provide you with a defense in court starting from day one. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
- Choose a safe vehicle and save – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Mercedes-Benz C-Class scored better than four stars on Safercar.gov it is probably cheaper to insure.
- Poor driving leads to higher costs – Your driving record has a big impact on rates. Careful drivers get better rates than people who have multiple driving citations. Only having one ticket can boost insurance rates forty percent or more. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
- Your location affects your rates – Choosing to live in small towns and rural areas has it’s advantages when buying auto insurance. Fewer drivers means reduced accidents and a lower car theft rate. Drivers in populated areas tend to have congested traffic and a longer drive to work. Longer commute distances translates into higher accident risk.
- Don’t cancel a policy without a new one in place – Driving with no insurance can get your license suspended and auto insurance companies will penalize you for letting your coverage lapse. Not only will rates go up, but not being able to provide proof of insurance may earn you a steep fine or even jail time.
Save big with these discounts
Car insurance companies don’t always list every discount very well, so here is a list some of the best known and the more hidden discounts you could be receiving.
- Clubs and Organizations – Participating in a civic or occupational organization may earn a discount on your policy on C-Class insurance.
- Save over 55 – If you’re over the age of 55, you may qualify for reduced rates on C-Class insurance.
- Defensive Driver – Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.
- No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on C-Class insurance with a few insurance coverage companies.
- Homeowners Savings – Owning a house may trigger a insurance coverage policy discount due to the fact that maintaining a home demonstrates responsibility.
- Low Mileage – Fewer annual miles on your Mercedes-Benz could qualify for discounted rates on garaged vehicles.
It’s important to understand that most discounts do not apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, it doesn’t quite work that way.
A partial list of companies that may have these money-saving discounts are:
Double check with each company which discounts you may be entitled to. Discounts might not apply in your state.
Are auto insurance companies telling the truth?
Companies like Allstate, GEICO and Progressive continually stream ads on television and other media. All the ads make an identical promise of big savings after switching to them. How does each company make the same claim? This is how they do it.
All companies have a certain “appetite” for the driver that makes them money. For instance, a profitable customer could possibly be between 25 and 40, has no prior claims, and has a short commute. A customer who meets those qualifications receives the best rates and most likely will save when they switch companies.
Potential customers who don’t qualify for these standards will be charged higher prices which usually ends up with business not being written. The ads state “drivers who switch” not “people who quote” save that kind of money. This is how companies can make the claims of big savings. That is why it is so important to get as many comparisons as possible. It’s impossible to know the company that will provide you with the cheapest Mercedes-Benz C-Class insurance rates.
But I don’t know anything about car insurance
When it comes to buying coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different so this has to be addressed. For example, these questions might help in determining whether or not you could use an agent’s help.
- Is a blown tire covered by insurance?
- Do I need medical payments coverage since I have good health insurance?
- Is my nanny covered when driving my vehicle?
- I don’t drive much so do I pay less?
- Do I have coverage when pulling a U-Haul trailer?
- Does coverage extend to a rental car in a foreign country?
- How much liability coverage do I need in my state?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier
Coverages available on your car insurance policy
Knowing the specifics of your policy aids in choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from car insurance companies.
Insurance for medical payments
Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, prosthetic devices, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hitting a deer, damage from getting keyed, theft, a broken windshield and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.
Auto collision coverage
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as driving through your garage door, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.
Liability car insurance
This provides protection from damage that occurs to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers things like repair costs for stationary objects, structural damage, loss of income and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.
Make a quick buck
We’ve covered some good ideas how you can reduce 1999 Mercedes-Benz C-Class insurance prices online. The key thing to remember is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best price on insurance coverage is with the least-expected company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.
Cheaper insurance is attainable both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some companies may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.
More tips and info about insurance coverage can be read in these articles:
- What is a Telematics Device? (Allstate)
- Think You’re a Safe Driver? (State Farm)
- Frontal Crash Tests (iihs.org)
- What is Full Coverage? (Allstate)
- Determing Auto Insurance Rates (GEICO)
- Vehicle Insurance in the U.S. (Wikipedia)
Frequently Asked Questions
What factors affect the rates for insuring a 1999 Mercedes-Benz C-Class?
The rates for insuring a 1999 Mercedes-Benz C-Class can be influenced by several factors, including the driver’s age and driving history, the location where the vehicle is primarily used and parked, the coverage options selected, the deductible amount chosen, and the insurance company’s individual rating factors. Each insurance company may have its own criteria for determining rates, so it’s recommended to obtain quotes from multiple insurers to compare rates.
Are there any discounts available for insuring a 1999 Mercedes-Benz C-Class?
Yes, there are various discounts that may be available to help reduce the cost of insuring a 1999 Mercedes-Benz C-Class. Some common discounts include safe driver discounts, multi-policy discounts (when bundling auto insurance with other policies), anti-theft device discounts, and good student discounts. It’s important to check with individual insurance companies to see which discounts they offer and if you qualify for any of them.
How do auto insurance companies determine their rates?
Auto insurance companies use various factors to determine their rates, including the driver’s age, driving record, location, type of vehicle, coverage options selected, and claims history. Each company may have its own proprietary rating system that assigns different weights to these factors. It’s important to note that rates can vary significantly between insurance companies, which is why comparing quotes from multiple insurers is recommended to find the best rate for insuring a 1999 Mercedes-Benz C-Class.
Should I seek the assistance of an agent when buying insurance for my 1999 Mercedes-Benz C-Class?
Whether or not to use an insurance agent when buying coverage for your 1999 Mercedes-Benz C-Class depends on your personal preference and comfort level with navigating insurance options. An agent can provide personalized advice, help you understand the coverage options available, and assist in finding the best policy for your needs. However, if you prefer a more self-directed approach, you can also research and obtain quotes online from various insurance companies.
What are the typical coverages available for car insurance policies?
Car insurance policies provide different types of coverage to protect against various risks. Common coverages include:
- Liability insurance: Covers damage to other people or property caused by an accident where you’re at fault.
- Comprehensive coverage: Protects against non-collision-related damage like theft or vandalism.
- Collision coverage: Covers damage to your vehicle from collisions with other vehicles or objects.
- Uninsured/underinsured motorist coverage: Provides protection if you’re in an accident with an uninsured or underinsured driver.
- Medical payments/personal injury protection: Covers medical expenses for you and your passengers in case of an accident.
Remember to review your policy to understand the specific coverages it includes.
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