Lower Your 2015 Mercedes-Benz C-Class Insurance Rates
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UPDATED: May 11, 2022
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Finding the cheapest insurance for a new or used Mercedes-Benz C-Class can turn out to be a painful process, but you can use a few tricks to make it easier.
There is a better way to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage for a new or used Mercedes-Benz and locate the lowest possible price from local insurance agents and online providers.
Consumers should take time to shop coverage around quite often because insurance rates fluctuate regularly. Despite the fact that you may have had the best rates for C-Class coverage last year you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to learn one of the best ways to find great coverage at a great price.
If you have a current car insurance policy or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Shopping for the best car insurance is not that difficult. Drivers only need to know the proper way to compare company rates online.
The most recommended method to get policy rate comparisons is to know the fact most of the bigger providers pay for the opportunity to give free rates quotes. The one thing you need to do is give them some information such as if you are currently licensed, how much you drive, if it has an alarm system, and if a SR-22 is required. That rating data is instantly sent to all major companies and you should receive rate quotes quickly.
To compare multiple company rates now, click here and complete the form.
You probably qualify for some discounts
Insuring your fleet can be pricey, but you may find discounts that you may not know about. Some trigger automatically when you get a quote, but a few need to be asked about before you will receive the discount. If you aren’t receiving every discount possible, you are throwing money away.
- Government Employees – Simply working for the federal government can save as much as 8% for C-Class coverage with select insurance companies.
- Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for C-Class coverage than drivers with accidents.
- Bundle and Save – When you combine your home and auto insurance with one insurance company you will save up to 20% off your total premium.
- Sign Online – A few companies give back up to $50 for buying your policy on their website.
- Accident Free – Claim-free drivers can save substantially when compared to accident-prone drivers.
- Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
- Accident Waiver – A few companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.
- Distant Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
Consumers should know that many deductions do not apply to the entire cost. Most only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, it doesn’t quite work that way. Any qualifying discounts will bring down the amount you have to pay.
To see a list of insurers who offer auto insurance discounts, click here.
There’s no such thing as the perfect policy
When it comes to choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different.
For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.
- Is a blown tire covered by insurance?
- Does my insurance cover damage caused when ticketed for reckless driving?
- Am I covered if I hit my neighbor’s mailbox?
- Am I covered if I hit a deer?
- When would I need additional glass coverage?
- Who is covered by my policy?
- Should I sign the liability waiver when renting a car?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and may give you better protection.
Insurance policy specifics
Knowing the specifics of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.
This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from flooding, hitting a bird and a broken windshield. The maximum amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.
Auto collision coverage
This coverage covers damage to your C-Class caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as hitting a mailbox, hitting a parking meter, backing into a parked car and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.
Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects YOU from claims by other people, 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. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.
Liability insurance covers claims like repair bills for other people’s vehicles, court costs, loss of income, medical expenses and medical services. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
Medical payments coverage and PIP
Coverage for medical payments and/or PIP kick in for expenses such as hospital visits, chiropractic care, rehabilitation expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible
The bottom line
While you’re price shopping online, don’t be tempted to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to discover later that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage for the lowest price while not skimping on critical coverages.
The cheapest 2015 Mercedes-Benz C-Class insurance can be sourced from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.
Throughout this article, we presented many ways to shop for insurance online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the biggest savings come from some of the lesser-known companies.
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