Cheapest 2013 Mercedes-Benz C-Class Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Expensive car insurance can drain your checking account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to cut your insurance bill. Many insurance companies compete for your business, and because of this it can be hard to compare insurance companies to find the lowest cost out there.
If you have insurance now or need a new policy, you can use these tips to reduce the price you pay and possibly find even better coverage. Finding the best rates is not rocket science. Vehicle owners only need to know how to shop for insurance online.
Cut prices on 2013 Mercedes-Benz C-Class insurance
Insurance can be prohibitively expensive, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically at the time of quoting, but a few must be manually applied before you get the savings. If they aren’t giving you every credit possible, you are paying more than you should be.
- No Charge for an Accident – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
- Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiring. The savings is around 10%.
- Distant Student – Any of your kids who live away from home and do not have a car may be able to be covered for less.
- Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply up until you turn 25.
- Discount for Life Insurance – Larger companies have lower rates if you buy life insurance.
It’s important to understand that most credits do not apply to the entire policy premium. The majority will only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will bring down the cost of coverage.
To see a list of insurers with discount car insurance rates, click here to view.
Tailor your coverage to you
When buying the right insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover whether or not you could use an agent’s help.
- Which companies will insure high-risk drivers?
- Is my teenager covered with friends in the car?
- Who is covered by my policy?
- What companies insure drivers after a DUI or DWI?
- Do I need replacement cost coverage?
- How high should my medical payments coverage be?
- When should I drop full coverage on my 2013 Mercedes-Benz C-Class?
- Is there coverage for injuries to my pets?
- Should I carry comprehensive and collision coverage?
If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.
Understanding the coverages of auto insurance can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from auto insurance companies.
Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like dental work, X-ray expenses, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Comprehensive 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 must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hail damage, hitting a bird, damage from a tornado or hurricane and falling objects. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Auto liability – Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like attorney fees, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.
Collision – Collision coverage will pay to fix damage to your C-Class caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision can pay for claims like crashing into a ditch, rolling your car, scraping a guard rail, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.
UM/UIM Coverage – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz C-Class.
Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these limits are similar to your liability insurance amounts.
Feed the piggy bank
As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. In many cases, consumers will sacrifice liability coverage limits only to find out that it was a big mistake. Your strategy should be to purchase plenty of coverage for the lowest price while still protecting your assets.
We just presented many ideas to shop for 2013 Mercedes-Benz C-Class insurance online. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may even find the lowest rates come from a small local company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm, GEICO and Nationwide.
More information can be read on the following sites:
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Get the Right Protection (InsureUonline.org)
- Speed and Speed Limit FAQ (iihs.org)
- Airbag FAQ (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)
Frequently Asked Questions
Are there any specific insurance companies known for offering affordable rates for a 2013 Mercedes-Benz C-Class?
Insurance rates can vary between different insurance companies, so it’s advisable to compare quotes from various providers. However, some insurance companies that are often recognized for offering competitive rates for luxury vehicles like the 2013 Mercedes-Benz C-Class include Geico, Progressive, State Farm, and Allstate.
How can I find the cheapest insurance rates for a 2013 Mercedes-Benz C-Class?
To find the cheapest insurance rates for a 2013 Mercedes-Benz C-Class, you can follow these six steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Opt for higher deductibles, as this can lower your premium.
- Inquire about any available discounts, such as multi-policy or safe driver discounts.
- Consider installing anti-theft devices or safety features that may qualify for discounts.
- Bundle your car insurance with other types of insurance, like home or renters insurance, to potentially save money.
What are some additional factors that may impact the insurance rates for a 2013 Mercedes-Benz C-Class?
Apart from the factors mentioned earlier, here’s the other four factors that can affect insurance rates for a 2013 Mercedes-Benz C-Class include:
- Annual mileage
- Credit score
- Parking location
Are there any specific coverage options I should consider for a 2013 Mercedes-Benz C-Class?
While the specific coverage options depend on your individual needs, here’s five recommended coverage options for a 2013 Mercedes-Benz C-Class include:
- Liability coverage
- Comprehensive coverage
- Collision coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
Please note that insurance rates can vary significantly based on individual circumstances, and it’s always advisable to contact insurance providers directly for personalized quotes and information.
Can modifications to the 2013 Mercedes-Benz C-Class affect insurance rates?
Yes, modifications to the 2013 Mercedes-Benz C-Class can impact insurance rates. Certain modifications, such as engine upgrades, aftermarket spoilers, or customized paint jobs, may increase the vehicle’s value and potential repair costs, resulting in higher insurance premiums.
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