Lower Your 2018 Mercedes-Benz C-Class Insurance Cost
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UPDATED: Aug 24, 2022
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Sick and tired of sacrificing other expenses each month for car insurance? You have the same problem as many other consumers. Insurance companies such as GEICO, Farmers Insurance and State Farm continually bombard you with ads and it is difficult to ignore the promise of big savings and find the best price available.
If you have insurance now or need a new policy, you can use these tips to cut your premiums and still get good coverage. Choosing the best insurance company for you is not rocket science. Consumers just need to understand the most efficient way to compare price quotes online.
Get cheap insurance prices by understanding these factors
Multiple criteria are taken into consideration when quoting car insurance. Most are fairly basic like a motor vehicle report, although others are more transparent like where you live and annual miles driven.
The items below are a few of the things insurance coverage companies consider when setting your prices.
- Married people drive safer – Walking down the aisle may save some money compared to being single. Marriage may mean you are more stable financially and statistics show drivers who are married are more cautious.
- Bundle and save – The majority of insurance companies give better rates for people that buy multiple policies in the form of a multi-policy discount. Discounts can amount to ten percent or more. Even if you qualify for this discount already, you still need to get quotes from other companies to guarantee you are still saving the most.
- High deductibles save money – Physical damage insurance, also called ‘full coverage’, is used to repair damage to your Mercedes-Benz. Some instances where coverage would apply could be a broken windshield, damage from fire, and damage caused by flying debris. Your deductibles tell how much you are required to pay if a claim is determined to be covered. The more damage repair cost you’re willing to pay, the less money you will pay for insurance coverage on C-Class coverage.
- Safer cars cost less to insure – Cars with high safety ratings get lower rates. Highly rated vehicles result in less severe injuries and fewer injuries means lower claim amounts and lower rates for you. If your Mercedes-Benz C-Class scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
The quickest method to get rate comparisons utilizes the fact car insurance companies participate in a system to give free rates quotes. To start a quote, the only thing you need to do is give them some information including whether you have decent credit, how old drivers are, types of safety features, and whether your vehicle is owned or leased. That rating information is instantly sent to multiple insurance providers and they provide comparison quotes very quickly.
Switch companies and save? Really?
Consumers can’t avoid all the ads that promise big savings for switching by Allstate, GEICO and Progressive. They all tend to make the same promise about saving some big amount if you get a free car insurance quote and switch your auto insurance coverage to their company.
How can each company give you a better price? It’s all in the words they use.
All companies offer their best rates for the right customer that will be a good risk. For example, this type of driver may be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A customer who fits that profile gets the lowest rates and is almost guaranteed to save a lot if they switch.
Potential insureds who cannot meet this ideal profile will be charged higher premiums and this can result in business going elsewhere. The ads say “drivers that switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can confidently make claims like that.
This really emphasizes why you really need to do a quote comparison often. It’s just not possible to know which auto insurance company will have the lowest rates for your situation.
Earn discounts to get lower-cost insurance coverage quotes
Not many people think insurance is cheap, but you might already qualify for some discounts that could drop your premiums quite a bit. Certain discounts will be triggered automatically at the time of quoting, but occassionally some discounts must be inquired about before you get the savings.
- Professional Organizations – Affiliation with specific professional or occupational memberships or organizations can get you a small discount on your policy.
- Service Members Pay Less – Being on active duty in the military could trigger a small discount.
- Anti-lock Brake System – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive and qualify for as much as a 10% discount.
- Buy New and Save – Insuring a new car can get you a discount due to better safety requirements for new vehicles.
- Discount for Home Ownership – Just owning your own home can earn you a little savings because owning a home requires personal responsibility.
- Discounts for Government Workers – Employees or retirees of the government may reduce rates when you quote car insurance on C-Class coverage depending on your insurance coverage provider.
- Driver Training Discounts – Taking a course that instructs on driving safety could save 5% or more if your company offers it.
- More Vehicles More Savings – Buying a policy with primary and secondary vehicles on one policy may reduce the rate for each vehicle.
A little disclaimer on discounts, some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.
A few popular companies and some of their more popular discounts are detailed below.
- American Family offers discounts for TimeAway discount, good student, mySafetyValet, good driver, Steer into Savings, early bird, and bundled insurance.
- State Farm may have discounts that include good student, multiple policy, accident-free, safe vehicle, good driver, and Drive Safe & Save.
- 21st Century discounts include student driver, air bags, homeowners, driver training, automatic seat belts, theft prevention, and good student.
- Travelers may include discounts for hybrid/electric vehicle, driver training, home ownership, payment discounts, student away at school, multi-car, and save driver.
- GEICO offers premium reductions for daytime running lights, military active duty, multi-vehicle, anti-lock brakes, five-year accident-free, and good student.
It’s a good idea to ask all companies you are considering to give you their best rates. Some discounts may not be offered in your area. If you would like to see a list of insurance coverage companies who offer free insurance coverage quotes, click this link.
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Tailor your car insurance coverage to you
When choosing the best car insurance coverage, there is no one size fits all plan. Everyone’s needs are different so this has to be addressed. For instance, these questions can help discover if you would benefit from professional advice.
- Am I getting all the discounts available?
- When should I buy a commercial auto policy?
- Is my Mercedes-Benz C-Class covered if I use it for business?
- Can I still get insurance after a DUI?
- Why does it cost so much to insure a teen driver?
- Is there coverage for injuries to my pets?
If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.
Auto insurance 101
Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.
Collision coverage protection
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like damaging your car on a curb, hitting a parking meter, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.
Uninsured/Underinsured Motorist (UM/UIM)
This provides protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are set the same as your liablity limits.
This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism, damage from getting keyed, hail damage and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for liability
This coverage will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.
Liability coverage protects against claims like funeral expenses, attorney fees and bail bonds. How much coverage you buy is your choice, but buy as much as you can afford.
Med pay and Personal Injury Protection (PIP)
Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like hospital visits, EMT expenses and rehabilitation expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible
Shop. Compare. Save.
In this article, we covered a lot of techniques to compare 2018 Mercedes-Benz C-Class insurance premium rates online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your prices. You may even find the best premium rates are with a lesser-known regional company. Some small companies may have significantly lower prices on certain market segments than the large multi-state companies such as Allstate, GEICO and Progressive.
When getting car insurance quotes online, it’s very important that you do not reduce needed coverages to save money. In many instances, someone sacrificed full coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible at a price you can afford, but don’t skip important coverages to save money.
Budget-conscious 2018 Mercedes-Benz C-Class insurance is attainable on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies don’t offer rates over the internet and many times these small insurance companies only sell through independent insurance agencies.
Additional detailed information can be read by following these links:
- Safety Belts FAQ (iihs.org)
- Vehicle Insurance in the U.S. (Wikipedia)
- Understanding Car Crashes Video (iihs.org)
- Determing Auto Insurance Rates (GEICO)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
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