Mercedes C300 Insurance Rates

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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: Jun 6, 2023

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Mercedes-Benz C-Class insurance

There are many options when comparing insurance rates on your Mercedes C300. You can get prices from a local agent or shop online to compare rates from insurance carriers. Buying car insurance by getting online quotes is easy and there is a good chance you might just save a little.

People who are new to shopping for insurance may think finding low-cost Mercedes C300 insurance is nearly impossible. Finding a better price on car insurance can be relatively painless. Consumers just need to spend a few minutes to get quotes from different insurance companies. This can be accomplished by comparing rates here.

Auto insurance rates on a Mercedes C300 can fluctuate considerably based upon several criteria. Some of these factors include:

  • The performance level of your C300
  • Accidents raise premiums
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Extra coverages like towing and rental
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you own your home

A final factor that helps determine Mercedes C300 insurance rates is the model year. Newer models cost more in comparison to later models so repair costs are higher which may result in higher rates. Conversely, more recent C300 vehicles may have a trim level with safety features such as pedestrian detection, dual-stage airbags, a rollover prevention system, and automatic crash notification which may lower rates.

Liability - Liability insurance will cover damage that occurs to people or other property in an accident. Liability can pay for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so consider buying as high a limit as you can afford.

Collision coverages - Collision insurance will pay to fix damage to your C300 resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder. Collision coverage for your Mercedes C300 can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Comprehensive or Other Than Collision - This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by your Mercedes C300 comprehensive insurance. The most you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Uninsured and underinsured coverage - Your UM/UIM coverage protects you and your vehicle's occupants from other drivers when they are uninsured or don't have enough coverage. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Medical costs insurance - Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses (i.e. nursing services, prosthetic devices, and dental work). They are often used in conjunction with a health insurance program or if you do not have health coverage. PIP is only offered in select states and gives slightly broader coverage than med pay.

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