Save on 2010 Mercedes-Benz C-Class Insurance Cost
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UPDATED: May 12, 2022
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Looking for cheaper auto insurance rates for your Mercedes-Benz C-Class? I can’t think of anyone who enjoys paying for auto insurance, especially knowing the cost is too high.
Drivers have so many insurance companies to buy insurance from, and though it is a good thing to have a selection, too many choices makes it more difficult to compare rates and cut insurance costs.
How to Compare Car Insurance Quotes
There are several ways you can shop for Mercedes-Benz C-Class car insurance but one way is easier and takes less work. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting for quick rates.
Most of the best insurance companies belong to an insurance system that enables customers to enter their policy data once, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.
To find out how much you’re overpaying now click here to open in new window.
The only drawback to doing it this way is that you can’t choose which insurance companies to get pricing from. If you wish to select specific insurance companies to compare prices, we have a page of car insurance companies in your area. Click here to view list.
It’s up to you which method you use, but make absolute certain that you use identical coverage limits with every price quote. If you are comparing different liability limits it’s impossible to determine which rate is truly the best. Quoting even small variations in insurance coverages may result in a large different in cost. It’s important to know that obtaining a wide range of quotes will enable you to find the best price.
Factors that can influence Mercedes-Benz C-Class insurance rates
An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for insurance coverage. Knowing what controls the rates you pay helps enable you to make changes that may reward you with big savings.
The list below includes some of the items that factor into rates.
- High crash test scores lower rates – Safer cars can get you lower premiums. The safest vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Mercedes-Benz C-Class scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
- Pleasure use saves money – Driving more miles in a year the higher your rate. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your insurance coverage coverage shows the proper vehicle usage. If your policy improperly rates your C-Class may be wasting your money.
- Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can save you a little every year. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.
- Your credit rating is important – Your credit score is a large factor in determining what you pay for insurance coverage. So if your credit rating is lower than you’d like, you could be paying less to insure your 2010 Mercedes-Benz C-Class by improving your rating. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.
- Allowing your policy to lapse raises rates – Driving without insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, getting caught without coverage can result in a license revocation or jail time.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
Are you getting all your discounts?
Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Certain discounts will be applied when you quote, but lesser-known reductions have to be specifically requested before they will apply.
- Early Signing – Select companies give a discount for switching to them prior to your current policy expiration. This can save 10% or more.
- Defensive Driving Course – Taking a driver safety course could cut 5% off your bill if your company offers it.
- Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
- No Claims – Drivers who don’t have accidents can save substantially when compared with accident-prone drivers.
- Driver’s Ed – Cut your cost by having your teen driver take driver’s ed class in school.
- Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for C-Class coverage with a few car insurance companies.
- Club Memberships – Being a member of a qualifying organization may earn a discount when shopping for car insurance for C-Class coverage.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
- Distant Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
It’s important to understand that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, you won’t be that lucky. But any discount will bring down the cost of coverage.
To see a list of insurance companies with discount car insurance rates, click here to view.
When might I need an agent?
When buying the best insurance coverage coverage, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions can aid in determining if your situation may require specific advice.
- Do I need PIP (personal injury protection) coverage in my state?
- Does liability extend to a camper or trailer?
- When would I need rental car insurance?
- Can I pay claims out-of-pocket if I buy high deductibles?
- I don’t drive much so do I pay less?
- Are rock chip repairs covered?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.
Car insurance policy coverages for a 2010 Mercedes-Benz C-Class
Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by car insurance companies.
Auto collision coverage
Collision insurance pays for damage to your C-Class from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as crashing into a building, backing into a parked car, colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for prosthetic devices, surgery, chiropractic care, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay
Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as rock chips in glass, damage from getting keyed, a broken windshield, damage from flooding and falling objects. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured or underinsured coverage
Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz C-Class.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.
Auto liability insurance
This coverage can cover damage that occurs to people or other property that is your fault. It protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means a limit of $100,000 per injured person, 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 provides one coverage limit without having the split limit caps.
Liability coverage pays for things like repair bills for other people’s vehicles, medical services, repair costs for stationary objects and structural damage. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.
Take this to the bank
We covered a lot of information how to get a better price on 2010 Mercedes-Benz C-Class insurance. The most important thing to understand is the more times you quote, the better your comparison will be. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.
Cost effective insurance can be purchased online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some insurance companies don’t offer you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.
To read more, take a look at these articles:
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