Cheapest 2014 Mercedes-Benz C-Class Insurance Rates in 2024
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UPDATED: Jun 5, 2023
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Looking for cheaper insurance coverage rates for your Mercedes-Benz C-Class? If online insurance coverage comparisons are new to you, it’s easy to get confused by the hoards of online insurance coverage companies and websites selling insurance.
The best way to compare rates is to understand all the major auto insurance companies allow for online access to quote your coverage. To start a quote, the only thing you need to do is provide a small amount of information like the type of vehicles you drive, deductibles desired, marital status, and your occupation. That rating data is then submitted to insurance companies and they return quotes quickly.
To check rates for your 2014 Mercedes-Benz C-Class, click here and find out if you can get cheaper insurance.
Are insurance coverage companies telling the truth?
Insurance coverage providers like GEICO, State Farm and Progressive constantly bombard you with ads on television and other media. They all say the same thing about savings if you switch to their company. How can each company claim to save you money? It’s all in the numbers.
Different companies are able to cherry pick for the type of driver that makes them money. For instance, a preferred risk might be a mature driver, has no prior claims, and has excellent credit. Any driver who meets those qualifications will qualify for the lowest rates and most likely will save when they switch companies.
Drivers who don’t qualify for the requirements will be quoted higher rates and this can result in business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully make those claims. This emphasizes why you absolutely need to get as many quotes as possible. You cannot predict which insurance coverage company will give you the biggest savings on Mercedes-Benz C-Class insurance.
Pieces of the Mercedes-Benz C-Class insurance rate puzzle
It’s important that you understand the factors that help determine your auto insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.
The following are a partial list of the pieces used by your company to calculate prices.
- Rural vs Urban Areas – Residing in a small town can save you money when it comes to auto insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer people means reduced accidents.
- Your age impacts your rates – More mature drivers are more responsible, tend to file fewer claims and receive fewer citations. Teenage drivers are statistically proven to get distracted easily when driving therefore auto insurance rates are much higher.
- Liability coverage protects you – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
- Credit scores impact auto insurance rates – Credit score is a big factor in your rate calculation. Drivers who have high credit scores tend to be better drivers and file fewer claims than drivers with lower ratings. So if your credit is low, you could pay less to insure your 2014 Mercedes-Benz C-Class by improving your credit score.
- High deductibles save money – Physical damage deductibles represent how much money you are willing to pay if you file a covered claim. Physical damage coverage, also known as collision and other-than-collision, insures against damage to your car. Examples of covered claims would be colliding with a building, collision with an animal, or theft. The more money you’re willing to pay, the lower your rates will be on C-Class coverage.
- Car features impact rates – Purchasing a vehicle that has an advanced theft prevention system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
- Claim-free discounts can add up – Car insurance companies give better rates to policyholders who are claim-free. If you frequently file small claims, you can definitely plan on either higher rates or even cancellation. Auto insurance is designed for major claims that would cause financial hardship.
Pay less for Mercedes-Benz C-Class insurance
Auto insurance companies don’t always advertise all available discounts in a way that’s easy to find, so here is a list some of the more common as well as the least known discounts you could be receiving.
- Federal Employees – Simply working for the federal government can save as much as 8% on C-Class coverage depending on your company.
- Early Switch Discount – A few companies offer discounts for switching to them before your current policy expires. It’s a savings of about 10%.
- Low Mileage Discounts – Low mileage vehicles can earn better rates on cars that stay parked.
- One Accident Forgiven – Certain companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
- Sign Online – Certain companies give back up to $50 for buying a policy and signing up online.
- More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same insurance coverage policy qualifies for this discount.
A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, you’re out of luck.
For a list of companies offering insurance coverage discounts, follow this link.
Tailor your coverage to you
When it comes to choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s needs are different.
Here are some questions about coverages that could help you determine if your insurance needs could use an agent’s help.
- Is my teenager covered with friends in the car?
- Does coverage extend to a rental car in a foreign country?
- Can I drive in Mexico and have coverage?
- Do I pay less if my vehicle is kept in my garage?
- Why does it cost so much to insure a teen driver?
- When would I need rental car insurance?
- If my pet gets injured in an accident are they covered?
- What are the best liability limits?
- Can I get a multi-policy discount for packaging my home and auto coverage?
If you’re not sure about those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form.
Insurance coverage basics
Understanding the coverages of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Medical expense insurance
Med pay and PIP coverage reimburse you for short-term medical expenses like rehabilitation expenses, funeral costs, surgery, X-ray expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible
This provides protection from damage or injury you incur to other’s property or people that is your fault. It protects you from legal claims by others, and 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. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like medical expenses, attorney fees, emergency aid and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Protection from uninsured/underinsured drivers
This protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2014 Mercedes-Benz C-Class.
Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as damaging your car on a curb, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.
Comprehensive (Other than Collision)
This covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hail damage, a broken windshield, a tree branch falling on your vehicle and hitting a bird. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.
Find Good Coverage for Less
In this article, we covered a lot of information how to shop for 2014 Mercedes-Benz C-Class insurance online. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates come from a small local company.
As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy enough coverage at an affordable rate.
Consumers switch companies for many reasons like being labeled a high risk driver, questionable increases in premium, lack of trust in their agent and extreme rates for teen drivers. No matter why you want to switch, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.
More tips and info about insurance coverage is available in the articles below:
- How do I File a Claim? (Insurance Information Insitute)
- Vehicle Insurance (Wikipedia)
- Collision Insurance Coverage (Nationwide)
- State Car Insurance Guides (GEICO)
Frequently Asked Questions
How do insurance coverage companies determine rates?
Insurance coverage companies determine rates based on various factors, such as your driving record, age, location, type of vehicle, credit score, and claims history. Each company has its own formula to assess risk and calculate premiums.
What are the key factors that affect auto insurance rates?
Several factors can impact your auto insurance rates. Some of the key factors include your driving record, the type and age of your vehicle, your location, your age, your credit score, the coverage options you choose, and the deductible amount.
Are there any discounts available for Mercedes-Benz C-Class insurance?
Yes, there are often discounts available for auto insurance, including for Mercedes-Benz C-Class coverage. Insurance companies offer various discounts based on factors such as safe driving records, anti-theft devices, multiple policies, good student discounts, and more. It’s essential to inquire about available discounts when obtaining quotes.
How do I choose the right insurance coverage for my Mercedes-Benz C-Class?
Choosing the right insurance coverage depends on your specific needs and preferences. Consider factors such as your budget, the value of your vehicle, your risk tolerance, and any legal requirements in your state. It can be helpful to assess different coverage options, such as liability, collision, comprehensive, and uninsured/underinsured motorist coverage, and select the ones that provide adequate protection for your situation.
What is the importance of comparing auto insurance quotes?
Comparing auto insurance quotes is crucial because it allows you to find the best rates and coverage options available to you. Insurance rates can vary significantly between companies, so obtaining multiple quotes helps you identify potential savings and ensure you’re getting the most suitable coverage for your Mercedes-Benz C-Class at an affordable price.
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