How Much Does 2008 Mercedes-Benz C-Class Insurance Cost?

Want lower car insurance rates for your Mercedes-Benz C-Class? Are you overwhelmed by the crazy number of car insurance company choices? Lot’s of other consumers are too. There are so many options available that it can turn into a lot of work to find better rates.

Auto Insurance Prices Online

When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. By far the easiest way to compare 2008 Mercedes-Benz C-Class insurance prices is simply to get online rate quotes. This can be accomplished using a couple different methods.

  • One of the best ways consumers can analyze rates is a comparison rater form (click to open form in new window). This method saves time by eliminating repetitive form submissions for every auto insurance company. In just a few minutes this one form gets you price quotes from many national carriers. Just one form and you’re done.
  • Another way to analyze rates requires a trip to each individual company website and request a quote. For examples sake, let’s say you want rates from Auto-Owners, Esurance and Allstate. To get each rate you have to spend time on each company’s site and enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  • The most time-consuming way of getting rate comparisons is driving to local insurance agencies. The internet has reduced the need for local agents unless you require the trained guidance of a licensed agent. Drivers can obtain prices from the web and still use a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but double check that you are using the exact same coverage limits for every company. If you compare differing limits it will be very difficult to truly determine the lowest rate. Having just a slight variation in coverages can mean a large discrepancy in price. Just remember that getting more free quotes gives you a better chance of getting a better price.

Discounts are great for lower rates

Companies that sell car insurance don’t necessarily list every discount in an easy-to-find place, so we break down both the well known as well as the least known insurance coverage savings.

  • Clubs and Organizations – Affiliation with a qualifying organization is a good way to get lower rates on insurance coverage on C-Class insurance.
  • Low Mileage – Keeping the miles down on your Mercedes-Benz could be rewarded with discounted rates on garaged vehicles.
  • Senior Citizens – If you’re over the age of 55, you may qualify for reduced rates on C-Class insurance.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on C-Class insurance than drivers with accident claims.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only cut individual premiums such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

For a list of insurers with the best insurance coverage discounts, follow this link.

You may need specialized coverage

When it comes to buying coverage, there is no best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether or not you would benefit from an agent’s advice.

  • When would I need rental car insurance?
  • How high should deductibles be on a 2008 Mercedes-Benz C-Class?
  • Am I covered when driving in Canada or Mexico?
  • What companies insure drivers after a DUI or DWI?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?
  • Do I have any recourse if my insurance company denies a claim?
  • Is business equipment covered while in my vehicle?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Why your Mercedes-Benz C-Class might be costing you more

An important part of buying insurance is that you know the rating factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

Shown below are a few of the “ingredients” used by your company to calculate your rates.

  • High deductibles save money – Physical damage deductibles define the amount you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and rolling your vehicle. The more money you are required to pay out-of-pocket, the bigger discount you will receive on C-Class insurance.
  • Pay less after the wedding – Getting married can actually save you money on auto insurance. Marriage usually means you are more mature than a single person and it’s proven that being married results in fewer claims.
  • Don’t let your coverage lapse – Letting your insurance expire will be a sure-fire way to pay more for auto insurance. Not only will you pay more, failure to provide proof of insurance will get you a revoked license or a big fine.
  • How credit affects auto insurance rates – Having a bad credit rating is a large factor in your rate calculation. People with high credit ratings tend to be more responsible as compared to drivers with lower ratings. So if your credit can use some improvement, you could be paying less to insure your 2008 Mercedes-Benz C-Class by improving your rating.
  • Occupation reflects on rates – Occupations like lawyers, executives and accountants are shown to have higher rates than average attributed to high stress and long work days. On the flip side, occupations such as pilots, athletes and the unemployed pay the least on C-Class insurance.
  • A clean driving record saves money – Your driving citation history has a big impact on rates. Just one ticket can bump up the cost twenty percent or more. Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.

Misconceptions in car insurance advertisements

Progressive, Allstate and Geico consistently run ads on TV and radio. All the companies make an identical promise that you can save if you change your coverage to them. How can each company make almost identical claims?

All companies have a preferred profile for the driver that makes them money. For instance, a driver they prefer could be a mature driver, insures multiple vehicles, and drives newer vehicles. A driver who meets those qualifications receives the best rates and therefore will cut their rates substantially.

Drivers who don’t measure up to this ideal profile will be charged more money which leads to the customer not buying. The ads state “people who switch” but not “drivers who get quotes” save that much money. That’s the way insurance companies can confidently state the savings. That is why you should compare many company’s rates. It’s not possible to predict which car insurance company will fit your personal profile best.

The coverage is in the details

Understanding the coverages of insurance can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This will cover damage that occurs to a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like medical expenses, attorney fees, repair bills for other people’s vehicles, structural damage and bail bonds. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, rock chips in glass, hitting a deer and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Coverage for collisions

This covers damage to your C-Class resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for dental work, prosthetic devices, funeral costs, doctor visits and ambulance fees. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage on a shoestring budget

Cost effective 2008 Mercedes-Benz C-Class insurance is attainable from both online companies as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

In this article, we covered some good ideas how to shop for insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the most savings is with a small local company.

As you go through the steps to switch your coverage, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped full coverage only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to find the BEST coverage at an affordable rate.

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