Cheapest 2011 Mercedes-Benz C-Class Insurance Rates in 2023
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UPDATED: May 12, 2022
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No one likes having to buy insurance, especially knowing the cost is way too high.
Numerous auto insurance companies battle for your insurance dollar, and it can be difficult to compare rates to discover the definitive best price available.
Consumers should take time to compare prices yearly since rates change quite often. Even if you think you had the best price on C-Class coverage last year you can probably find a lower rate today. There is too much inaccurate information about insurance online but by reading this article, you’re going to learn some excellent ideas to reduce your insurance bill.
How to Compare Insurance Coverage Rates
There are a variety of methods to shop for 2011 Mercedes-Benz C-Class insurance coverage, but some are less time-consuming than others. You can waste hours talking about coverages with local insurance agents in your area, or you could use the internet to accomplish the same thing much quicker.
Most of the larger companies are enrolled in a marketplace where prospective buyers send in one quote, and each participating company returns a rated price for coverage. This eliminates the need for quotation requests for each company you want a rate for.
To submit your quote information now, click here (opens in new window).
The single downside to doing it this way is you don’t know exactly which carriers you want to price. If you wish to select individual companies to compare prices, we have a listing of low cost insurance coverage companies in your area. Click to view list.
It’s up to you how you get prices quotes, just make absolute certain that you use the exact same information for each comparison quote. If your comparisons have higher or lower deductibles it will be impossible to find the best deal for your Mercedes-Benz C-Class. Having just a slight variation in limits can make a big difference in price. Just keep in mind that quoting more gives you a better chance of getting the best offered rates.
Do I need special coverages?
When buying proper insurance coverage, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine if you could use an agent’s help.
- Do I need roadside assistance coverage?
- How can I find cheaper teen driver insurance?
- Will my insurance pay for OEM parts?
- Is my teen driver covered when they drive my company car?
- Is pleasure use cheaper than using my 2011 Mercedes-Benz C-Class to commute?
- Am I covered if hit by an uninsured driver?
- Can I rate high risk drivers on liability-only vehicles?
- Am I covered when using my vehicle for business?
- Is motorclub coverage worth it?
- I don’t drive much so do I pay less?
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.
Auto insurance coverage breakdown
Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.
Medical expense insurance
Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, hospital visits, surgery, doctor visits and dental work. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage
This coverage pays for damage to your C-Class resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision coverage protects against claims like sustaining damage from a pot hole, scraping a guard rail, sideswiping another vehicle, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to save money on collision insurance.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz C-Class.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for 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 coverage protects against claims like hitting a deer, hail damage and falling objects. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Auto liability insurance
Liability insurance provides protection from damage or injury you incur to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims like medical services, court costs and legal defense fees. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
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