2002 Mercedes-Benz C-Class Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2002 Mercedes-Benz C300 are $994 a year with full coverage. Comprehensive insurance costs on average $172, collision insurance costs $218, and liability costs $446. Buying a liability-only policy costs as little as $500 a year, and high-risk insurance costs $2,132 or more. Teen drivers receive the highest rates at up to $3,972 a year.
Annual premium for full coverage: $994
Rate estimates for 2002 Mercedes-Benz C300 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2002 Mercedes-Benz C300 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $500 for just liability coverage to a much higher rate of $2,132 for high-risk insurance.
These differences demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, instead of making a decision based on price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2002 Mercedes-Benz C300 Insurance
Searching for better car insurance rates for your Mercedes-Benz C-Class? Paying for high-priced Mercedes-Benz C-Class insurance can overdraw your bank account and put a big crunch on your finances. Comparing price quotes is free and is an excellent way to tighten up your finances. With consumers having so many car insurance companies to choose from, it can be diffult for consumers to find the right provider.
How to Compare Car Insurance
There are a variety of methods to compare 2002 Mercedes-Benz C-Class car insurance prices but some are more efficient than others. You can waste a few hours (or days) talking to agents in your area, or you could use the internet to maximize your effort.
All the larger companies belong to a marketplace that enables customers to submit one quote, and every company returns a rated price for coverage. This prevents consumers from doing repetitive form submissions to each individual car insurance company.
To compare 2002 Mercedes-Benz C-Class rates using this form now click here to open in new window.
The only drawback to using this type of form is that consumers can’t choose the providers you will receive quotes from. So if you prefer to pick specific insurance companies to compare prices, we have a page of car insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just make sure you use exactly the same quote information on every quote. If the quotes have higher or lower deductibles it will be next to impossible to determine which rate is truly the best.
Save with discounts on Mercedes-Benz C-Class insurance
Auto insurance companies don’t always publicize every available discount in an easy-to-find place, so we researched both the well known and the more hidden savings tricks you should be using. If they aren’t giving you every credit possible, you’re paying more than you need to.
- Driver’s Ed – Have your child take driver’s ed class if offered at their school.
- Military Discounts – Having a family member in the military can result in better rates.
- No Accidents – Claim-free drivers can save substantially when compared with drivers who are more careless.
- Drive Less and Save – Driving fewer miles could qualify for a substantially lower rate.
- Early Switch Discount – Some insurance companies reward drivers for switching to them prior to your current policy expiring. It’s a savings of about 10%.
- New Vehicle Savings – Insuring a new car can cost up to 25% less due to better safety requirements for new cars.
- More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy qualifies for this discount.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more on C-Class coverage than drivers with accidents.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous.
For a list of providers with discount car insurance rates, click here to view.
Tailor your coverage to you
When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions could help you determine if your insurance needs might need professional guidance.
- Does my insurance cover my expensive audio equipment?
- Will I lose any money if I cancel my policy before it expires?
- Is extra glass coverage worth it?
- Do I need roadside assistance coverage?
- Why am I required to buy liability insurance?
- What is PIP insurance?
- Are my tools covered if they get stolen from my vehicle?
- Do I have coverage if my license is suspended?
- What companies insure drivers after a DUI or DWI?
- Who is covered by my policy?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about 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 It only takes a few minutes and can help protect your family.
Coverages available on your policy
Having a good grasp of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as surgery, ambulance fees, funeral costs, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mercedes-Benz C-Class.
Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.
Comprehensive insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for claims like hitting a bird, damage from a tornado or hurricane, fire damage and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision coverages – This coverage pays for damage to your C-Class resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as backing into a parked car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Liability coverages – This will cover damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability insurance covers things such as repair bills for other people’s vehicles, legal defense fees, attorney fees and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.
Rates by U.S. City
|New York City, NY||$1,572|
|Los Angeles, CA||$1,701|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$60|
|5-yr Claim Free||$62|
|Paid in Full/EFT||$36|
Discounts are estimated and may not be available from every company or in every state.