How Much Does 1999 Mercedes-Benz C-Class Car Insurance Cost?

Locating cheaper insurance for a new or used Mercedes-Benz C-Class could be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to shop for insurance so you’re going to learn the absolute fastest way to quote coverages for your Mercedes-Benz and locate the best price possible either online or from local insurance agents.

It’s important to do rate comparisons at least once a year because prices are usually higher with each renewal. Despite the fact that you may have had the lowest rates for C-Class coverage six months ago the chances are good that you can find a lower rate today. So forget all the misinformation about insurance because we’re going to show you one of the easiest ways to reduce your cost while increasing coverage.

Impacting insurance rates for a Mercedes-Benz C-Class

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance coverage. When you know what positively or negatively impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

  • Multi-policy discounts can save money – Some companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you may still want to comparison shop to confirm you are receiving the best rates possible.
  • Younger drivers pay higher rates – Young drivers are statistically proven to be more careless in a vehicle so insurance coverage rates are higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Drive a safer car and pay less – Cars with high safety ratings get lower rates. These vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If your Mercedes-Benz C-Class earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes have accidents at about the same rate, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and thus pay the highest rates.
  • Traffic citations inflate rates – Even one citation can boost insurance rates forty percent or more. Careful drivers have lower premiums than bad drivers. If you have serious violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Pleasure use or commuting – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies apply a rate based upon how you use the vehicle. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance coverage declarations sheet shows the correct usage for each vehicle. Incorrect usage on your C-Class can cost quite a bit.

Auto Insurance Prices Online

Most companies such as 21st Century, Allstate and State Farm allow you to get prices for coverage online. Getting online rates is pretty easy as you simply type in your required coverages as requested by the quote form. When complete, their system collects your credit score and driving record and generates a price based on these factors.

This simplifies rate comparisons, but having to visit different websites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes if you want to find the lowest price.

There is an easier way!

A quicker way to find lower prices uses one form to obtain quotes from more than one company. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. Immediately after submitting the form, it is rated and you can choose any of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process can be completed in a matter of minutes and can result in significant savings.

To save time and compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you input deductibles and limits just like they are on your policy. Using the same limits helps guarantee you will have an apples-to-apples comparison for the exact same coverage.

Don’t miss out on these money-saving discounts

Companies that sell car insurance do not advertise all available discounts very well, so we break down both the well known and the more hidden auto insurance savings. If you don’t get every credit possible, you are throwing money away.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for reduced rates for C-Class coverage.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for C-Class coverage depending on your company.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Low Mileage – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • E-sign – Some insurance companies give back up to $50 for buying your policy digitally online.
  • Claim Free – Good drivers with no accidents can earn big discounts when compared with frequent claim filers.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home requires personal responsibility.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.

For a list of companies with discount auto insurance rates, click here to view.

Do I need special coverages?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is unique.

For example, these questions can help discover if you might need an agent’s assistance.

  • Am I insured when driving a different vehicle?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I bundle my homeowners policy with my auto?
  • Can my teen drive my company car?
  • Does car insurance cover theft of personal property?
  • Should I waive the damage coverage when renting a car?
  • How much liability insurance is required?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages and their meanings

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability – This protects you from damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, 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. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like repair costs for stationary objects, funeral expenses, medical services, court costs and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Med pay and PIP coverage provide coverage for short-term medical expenses for things like X-ray expenses, rehabilitation expenses and prosthetic devices. They are often used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Collision coverage – Collision coverage covers damage to your C-Class from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch, backing into a parked car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Get your money’s worth

Cheap 1999 Mercedes-Benz C-Class insurance is attainable online as well as from independent agents, so compare prices from both in order to have the best chance of saving money. Some companies don’t offer online quoting and most of the time these small, regional companies sell through independent agents.

When trying to cut insurance costs, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage at the best price while still protecting your assets.

Insureds who switch companies do it for a variety of reasons including poor customer service, high rates after DUI convictions, policy cancellation or even policy non-renewal. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.

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