How Much Does 1997 Mercedes-Benz C-Class Car Insurance Cost?

Searching for the cheapest insurance coverage rates for your Mercedes-Benz C-Class? Comparison shopping for insurance coverage is hard for consumers not familiar with comparing rates online. People have so many options available that it can be a ton of work to find the best price.

Get lower rates on 1997 Mercedes-Benz C-Class insurance

Companies do not advertise all their discounts in a way that’s easy to find, so here is a list both the well known as well as the least known ways to save on insurance coverage.

  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on C-Class coverage than drivers with accidents.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Discount for Good Grades – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Own a Home – Owning a home can help you save on insurance coverage due to the fact that maintaining a home demonstrates responsibility.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Senior Citizens – If you’re over the age of 55, you may qualify for a small decrease in premiums on C-Class coverage.
  • Military Rewards – Being on active duty in the military could mean lower rates.

Drivers should understand that many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of insurance companies with the best insurance coverage discounts, click here.

Insurance Prices

There are multiple methods you can shop for 1997 Mercedes-Benz C-Class insurance but there is one way that is easier and takes less work. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can utilize online quotes to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each company can provide price quotes based on that data. This saves time by eliminating quote forms for each company you want a rate for.

To find out how much you’re overpaying now click here to open in new window.

One minor caviat to using this type of system is you don’t know exactly which companies to get pricing from. So if you want to choose specific providers to request quotes from, we have a listing of low cost insurance companies in your area. Click to view list.

Whichever method you choose, make sure you use the exact same information for each price quote. If you enter mixed coverages it’s not possible to determine the best price for your Mercedes-Benz C-Class. Quoting even small variations in limits could mean much higher rates. And when comparison shopping, getting more free quotes helps you find lower pricing.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Do I need to file an SR-22 for a DUI in my state?
  • Does my 1997 Mercedes-Benz C-Class qualify for pleasure use?
  • Should I buy full coverage?
  • When would I need additional glass coverage?
  • What is the minimum liability in my state?
  • What vehicles should carry emergency assistance coverage?
  • Do I need an umbrella policy?
  • Do I need replacement cost coverage on my 1997 Mercedes-Benz C-Class?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form.

The coverage is in the details

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like fire damage, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like funeral costs, dental work and nursing services. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 1997 Mercedes-Benz C-Class.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Auto collision coverage

This will pay to fix damage to your C-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with another moving vehicle, damaging your car on a curb, colliding with a tree, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability

Liability insurance will cover damage or injury you incur to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like funeral expenses, emergency aid and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Smart shoppers get results

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There are many occasions where consumers will sacrifice full coverage only to find out that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage for the lowest price.

In this article, we covered a lot of information how to shop for 1997 Mercedes-Benz C-Class insurance online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest priced auto insurance comes from a smaller regional carrier.

Drivers leave their current company for many reasons like policy non-renewal, lack of trust in their agent, delays in responding to claim requests and denial of a claim. It doesn’t matter why you want to switch finding a new auto insurance company is pretty simple and you could end up saving a buck or two.

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