Cheapest 2003 Mercedes-Benz C-Class Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Searching for the cheapest insurance coverage rates for your Mercedes-Benz C-Class? Finding lower premiums on insurance coverage is hard for consumers not familiar with comparing rates online. There are so many options available that it can quickly become more work than you anticipated to find the best price.

It’s important to get comparison quotes occasionally since insurance rates tend to go up over time. Despite the fact that you may have had the best price on C-Class insurance six months ago you will most likely find a better rate today. Don’t believe everything you read about insurance coverage online, so with this article, you’re going to get some great ways to stop overpaying for insurance.

Get lower rates on 2003 Mercedes-Benz C-Class insurance

Companies do not advertise all their discounts very clearly, so we break down some of the more common and also the lesser-known discounts you could be receiving.

  • Accident Waiver – Certain companies allow you one accident before your rates go up if your claims history is clear for a certain period of time.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
  • Multi-policy Discount – When you have multiple policies with the same insurance company you will save 10% to 20% off each policy.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if it’s offered in school.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.
  • Resident Student – Children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Discount for Good Grades – A discount for being a good student can get you a discount of up to 25%. The good student discount can last up to age 25.

Consumers should know that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

A partial list of companies that may have these benefits include:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not be available everywhere.

Fast and Easy Insurance Coverage Quotes

There are a lot of ways to shop for insurance coverage, but some are less time-consuming than others. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use the internet for quick rates.

Most car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and every company can give them a price for coverage. This saves time by eliminating quote requests for every insurance coverage company.

To find out how much you can save on insurance coverage click to open in new window.

The only drawback to using this type of form is you are unable to specify the providers to get quotes from. If you prefer to choose from a list of companies to request quotes from, we put together a list of companies who write insurance coverage in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare apples-to-apples coverage limits for every company. If each company quotes differing limits it’s impossible to make an equal comparison. Slightly different limits can mean a large discrepancy in price. And when comparing insurance coverage rates, know that quoting more helps you find a lower rate.

Tailor your coverage to you

When choosing coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions could help you determine if your situation may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I need roadside assistance coverage?
  • Does my personal policy cover me when driving out-of-state?
  • Should I buy additional glass protection?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What discounts do I qualify for?
  • Do I need an umbrella policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Coverage specifics

Understanding the coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance – Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, emergency aid, structural damage and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for pain medications, X-ray expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, falling objects, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

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

Collision coverage pays for things like colliding with a tree, sideswiping another vehicle, colliding with another moving vehicle, rolling your car and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Save your cold hard cash

As you shop your coverage around, never buy poor coverage just to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. The ultimate goal is to buy enough coverage at the best price while not skimping on critical coverages.

In this article, we presented a lot of tips how to reduce 2003 Mercedes-Benz C-Class insurance prices online. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies.

Discount insurance is possible from both online companies in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. A few companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Helpful learning opportunities

Frequently Asked Questions

How can I find lower rates on auto insurance for my 2003 Mercedes-Benz C-Class?

Finding lower rates on insurance coverage can be challenging, but it’s important to compare quotes from different companies. Insurance rates tend to go up over time, so it’s recommended to get comparison quotes occasionally. Don’t believe everything you read online about insurance coverage; instead, use this article to learn some effective ways to stop overpaying for insurance.

Are there any discounts available for insurance coverage on a 2003 Mercedes-Benz C-Class?

Many insurance companies offer discounts, but not all of them advertise them clearly. Some common and lesser-known discounts may be available to you. However, it’s important to note that not all discounts apply to all coverage premiums. Some discounts may only apply to specific types of coverage such as collision or personal injury protection. It’s best to ask each insurance company about the discounts they offer.

How can I get fast and easy insurance coverage quotes?

There are several ways to shop for insurance coverage, but some methods are less time-consuming than others. One efficient way is to use an online marketplace where you can enter your policy details once, and multiple insurance companies can provide you with quotes. This saves time by eliminating the need to request quotes individually from each company. However, if you prefer to choose from a specific list of companies, you can also request quotes directly from them.

How should I tailor my coverage for my 2003 Mercedes-Benz C-Class?

Choosing the right coverage for your Mercedes-Benz C-Class depends on your specific needs. There is no one-size-fits-all policy. You may consider factors such as your driving habits, the value of your vehicle, and your budget. If you’re unsure about your coverage needs, it’s recommended to speak with an insurance agent who can provide personalized advice based on your situation.

What are some important coverage specifics I should understand?

Understanding the different coverages in an insurance policy is crucial for choosing the right deductibles, limits, and types of coverage. Here are some common coverages:

  • Liability car insurance: This coverage protects you from legal claims by others for damages or injuries you cause in an accident. It doesn’t cover damage to your own vehicle.
  • Uninsured/Underinsured Motorist (UM/UIM) coverage: This coverage protects you if you’re involved in an accident with a driver who either has no liability insurance or insufficient coverage.
  • Medical payments and Personal Injury Protection (PIP) coverage: These coverages reimburse you for immediate medical expenses resulting from an accident. They can cover expenses not covered by your health insurance.
  • Comprehensive auto coverage: Comprehensive insurance pays for damages to your vehicle caused by events like theft, vandalism, or natural disasters.
  • Collision coverage: Collision insurance pays for damages to your vehicle resulting from colliding with another object or vehicle.

How can I save money on auto insurance without compromising coverage?

While it’s important to find affordable insurance, it’s not advisable to purchase poor coverage just to save money. When shopping for insurance, aim to buy enough coverage at the best price without skimping on critical coverages. Comparing rates from different companies can help you find the best price, and consider discounts that may be available to you. It’s also essential to review your coverage periodically and make adjustments based on your changing needs.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles