2019 Mercedes-Benz C-Class Car Insurance Quotes in 2024 – 6 Discounts for Cheaper Rates

Trying to find cheaper auto insurance rates for your Mercedes-Benz C-Class? Searching for cheaper insurance for a Mercedes-Benz C-Class could be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to buy auto insurance so we’re going to tell you the proper way to quote coverages for a new or used Mercedes-Benz and get the cheapest rates either online or from local insurance agents.

It’s a good idea to quote other rates quite often due to the fact that insurance prices change quite often. Even if you think you had the best deal for C-Class insurance six months ago you can probably find a better premium rate now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the best way to properly buy coverages while reducing your premium.

Lower-cost car insurance rates with discounts

Auto insurance companies don’t necessarily list the entire discount list in a way that’s easy to find, so the following list contains a few of the more well known as well as the least known credits that may apply to you.

• Bundle and Save – If you insure your home and vehicles with the same company you could get a discount of over 10 percent off each policy depending on the company.
• Discounts for Federal Employees – Active or former government employment may reduce rates when you quote car insurance for C-Class insurance with some car insurance companies.
• Good Student – This discount could provide a savings of up to 20% or more. The good student discount can last well after school through age 25.
• Multiple Cars – Insuring multiple cars or trucks on one policy can get a discount for every vehicle.
• Student Driver Training – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.
• Defensive Driving Course – Taking part in a class that teaches defensive driver techniques could possibly earn you a 5% discount if you qualify.

A little disclaimer on discounts, some credits don’t apply to the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will lower the amount you pay for coverage.

Companies and a selection of discounts are detailed below.

• GEICO offers discounts for defensive driver, multi-policy, good student, driver training, membership and employees, emergency military deployment, and anti-lock brakes.
• Travelers may have discounts that include home ownership, student away at school, IntelliDrive, save driver, new car, and payment discounts.
• Farm Bureau may include discounts for multi-vehicle, good student, driver training, safe driver, and multi-policy.
• Liberty Mutual includes discounts for hybrid vehicle, newly retired, preferred payment discount, new graduate, multi-policy, teen driver discount, and safety features.
• American Family policyholders can earn discounts including accident-free, Steer into Savings, good student, bundled insurance, good driver, and air bags.
• Progressive may offer discounts for good student, online quote discount, online signing, multi-policy, multi-vehicle, continuous coverage, and homeowner.

It’s a good idea to ask every prospective company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to choose from a list of car insurance companies with the best car insurance discounts, enter your zip code here.

Tailor your insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if you might need professional guidance.

• What is the rate difference between pleasure use and commuting?
• Can I drive in Mexico and have coverage?
• Should I carry comprehensive and collision coverage?
• How much underlying liability do I need for an umbrella policy?
• How high should my medical payments coverage be?
• How does medical payments coverage work?
• How can I get high-risk coverage after a DUI?
• Can I rent a car in Mexico?
• Does my medical payments coverage pay my health insurance deductible?
• Do I need roadside assistance coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with an agent. If you don’t have a local agent, take a second and enter your zip code. It’s fast, free and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Drivers can’t get away from all the ads that claim the lowest car insurance rates from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise about savings if you get a free car insurance quote and switch your insurance coverage to their company.

That’s great but how can every company save you money? Here is the trick they use.

Most companies quote the lowest rates for the type of insured that earns them the highest profit. For example, a driver they prefer may need to be between 30 and 50, insures multiple vehicles, and drives a lower-performance vehicle. Anyone that matches those criteria is entitled to the best price and therefore will save quite a bit of money when switching.

Potential insureds who cannot meet this stringent profile may be required to pay higher rates which translates to business going elsewhere. The ads state “people that switch” not “everybody who quotes” save the amount stated. That’s why insurance companies can confidently advertise the savings. Because of this risk profiling, you really need to compare many company’s premium rates. Because you never know which company will give you lower car insurance rates than your current company.

Coverages available on your car insurance policy

Knowing the specifics of your car insurance policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as theft, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverages – This coverage provides protection from damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims like loss of income, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your C-Class resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, scraping a guard rail, backing into a parked car, colliding with another moving vehicle and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Mercedes-Benz C-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills such as pain medications, doctor visits and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

A tidy conclusion

When you buy car insurance online, don’t be tempted to reduce needed coverages to save money. In too many instances, someone sacrificed collision coverage only to find out they didn’t have enough coverage. Your objective should be to purchase a proper amount of coverage at the best possible price, not the least amount of coverage.

Drivers leave their current company for a number of reasons such as an unsatisfactory settlement offer, unfair underwriting practices, delays in responding to claim requests or extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is easier than you think.

Some car insurance companies do not offer price quotes online and these small insurance companies work with independent agents. Cost effective 2019 Mercedes-Benz C-Class insurance can be sourced both online in addition to many insurance agents, so you need to compare both to have the best rate selection.