2022 Mercedes-Benz C-Class Insurance Quotes in 2024 – 8 Ideas for Cheapest Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 29, 2024

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Are you sick and tired of wondering where the money will come from to pay your insurance coverage bill each month? You are no different than the majority of other consumers.

Due to the increasing number of companies and agents to choose from, it can be challenging to locate the lowest price insurer.

Affordable insurance coverage quotes with discounts

Some insurers don’t necessarily list every possible discount very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious credits available to you.

  • Driver Training Discounts – Taking time to complete a course that instructs on driving safety could earn you a small percentage discount and make you a better driver.
  • Paper-free Discount – Certain companies provide a small discount for signing up on your computer.
  • Theft Deterrent Discount – Cars with anti-theft systems can help prevent theft and will save you 10% or more.
  • Use Seat Belts – Drivers who require all occupants to buckle up before driving may be able to save a few bucks off the medical payments premium.
  • College Student – Older children who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
  • Professional Organizations – Joining specific professional or occupational memberships or organizations may earn a discount on your bill.
  • Multiple Vehicles – Having all your vehicles on a single policy can get a discount for every vehicle.
  • New Car Discount – Adding a new car to your policy can save up to 30% because new model year vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, company stockholders wouldn’t be very happy.

A list of companies and the discounts they provide are shown below.

  • 21st Century has savings for early bird, 55 and older, air bags, teen driver, and driver training.
  • Progressive has discounts for online quote discount, good student, multi-vehicle, homeowner, online signing, multi-policy, and continuous coverage.
  • State Farm may have discounts that include Steer Clear safe driver discount, multiple autos, accident-free, multiple policy, and good student.
  • Nationwide policyholders can earn discounts including good student, anti-theft, easy pay, family plan, business or organization, accident-free, and multi-policy.
  • Esurance may include discounts for anti-theft, multi-policy, online quote, defensive driver, multi-car, and claim free.
  • The Hartford may offer discounts for defensive driver, good student, driver training, bundle, vehicle fuel type, and air bag.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Savings might not be available to policyholders in your area. To locate insurance coverage companies with discount insurance coverage rates, enter your zip code here.

Compare insurance coverage rates

Performing a rate comparison can be exhausting if you don’t know the most efficient way to do it. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use online quotes for quick rates.

The majority of car insurance companies are enrolled in a marketplace that enables customers to send in one quote, and each company returns a rated price. This prevents consumers from doing form submissions for every insurance coverage company.

To compare rates using this form now enter your zip code here.

The only drawback to doing it this way is buyers cannot specifically choose which carriers you want pricing from. So if you prefer to pick specific providers to compare, we put together a list of companies who write insurance coverage in your area. Click to enter zip code.

Whichever way you use, make darn sure you compare nearly identical coverage limits with each company. If you compare different values for each quote you will not be able to determine which rate is truly the best. Having just a slight variation in coverages could mean much higher rates. It’s important to know that quoting more will increase your chances of finding more affordable insurance.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if you would benefit from professional advice.

  • When can I cancel my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I need roadside assistance coverage?
  • Is my state a no-fault state?
  • Do I have coverage if my license is suspended?
  • Do I really need UM/UIM coverage?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and enter your zip code.

Coverage specifics

Having a good grasp of a auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Liability car insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers things such as legal defense fees, repair costs for stationary objects, attorney fees, emergency aid and medical services. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

This coverage covers damage to your C-Class caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as backing into a parked car, colliding with another moving vehicle, rolling your car, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, doctor visits, prosthetic devices and surgery. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz C-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Pennies from heaven

When you buy insurance online, do not reduce coverage to reduce premium. There are too many instances where an accident victim reduced liability coverage limits and discovered at claim time that it was a big error on their part. Your goal should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

In this article, we presented many tips how you can compare 2022 Mercedes-Benz C-Class insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper insurance. Consumers could even find that the best price on auto insurance is with a small mutual company. They may only write in your state and offer lower car insurance rates than their larger competitors like Allstate and Progressive.

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