2009 Mercedes-Benz C-Class Insurance Rates – 9 Policy Discounts

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 11, 2022

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Finding lower premiums on car insurance can seem to be difficult for consumers not familiar with comparison shopping online. Consumers have so many companies to choose from that it can quickly become a challenge to locate the lowest price.

If you are paying for car insurance now, you should be able to cut costs considerably using these tips. The purpose of this post is to instruct you on how car insurance quotes work and some money-saving tips. Nevertheless, consumers must know how the larger insurance companies sell insurance online and apply this information to your search.

The easiest way to compare rates is to realize almost all companies will pay a fee to give free rates quotes. All consumers are required to do is spend a couple of minutes providing details like driver details, how your vehicles are used, if it has an alarm system, and your education level. That rating information gets transmitted to multiple different insurance companies and they return cost estimate quickly.

Don’t miss out on these nine money-saving discounts

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Some trigger automatically at the time of purchase, but a few must be manually applied before you get the savings.

  • Defensive Driving Course – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
  • Student in College – Any of your kids who live away from home and don’t have a car can be insured at a reduced rate.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • New Car Discount – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings of up to 25% or more.
  • Homeowners Savings – Owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Save over 55 – Mature drivers can possibly qualify for a small decrease in premiums on C-Class coverage.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies don’t profit that way. But any discount will reduce your premiums.

To see a list of insurance companies with the best car insurance discounts, click here.

Do I need special coverages?

When buying adequate coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Do I need an umbrella policy?
  • When should my teen driver be added to my policy?
  • Am I missing any policy discounts?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I have combined single limit or split liability limits?
  • What can I do if my company denied a claim?
  • Is pleasure use cheaper than using my 2009 Mercedes-Benz C-Class to commute?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

Educate yourself about insurance coverages

Knowing the specifics of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability car insurance – This coverage can cover damages or injuries you inflict on other people or property. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as funeral expenses, repair costs for stationary objects, attorney fees and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, vandalism, damage from a tornado or hurricane and rock chips in glass. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists 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 carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision – This coverage covers damage to your C-Class resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for immediate expenses such as rehabilitation expenses, doctor visits, dental work, chiropractic care and nursing services. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

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