2002 Mercedes-Benz C-Class Insurance Cost – 6 Tips for Cheapest Prices

Paying for high-priced Mercedes-Benz C-Class insurance can drain your savings account and force you to make sacrifices. Doing a price comparison is free and is an excellent way to lower your monthly bill. Drivers have multiple auto insurance companies to pick from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the lowest cost provider.

How to Lower Your Auto Insurance Cost

There are a lot of ways you can shop for auto insurance and some are more efficient than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can utilize the web to maximize your effort.

Many of the larger companies are enrolled in a marketplace where prospective buyers submit one quote, and each company can provide price quotes based on the submitted data. This eliminates the need for quote requests to every company. To find out how much you can save on auto insurance click here (opens in new window).

The one disadvantage to pricing coverage this way is you are unable to specify the companies to get pricing from. If you would rather choose specific insurance companies to compare prices, we have assembled a list of auto insurance companies in your area. Click to view list.

It’s your choice how you get your quotes, but ensure you’re using identical deductibles and coverage limits with every price quote. If you enter different deductibles it’s impossible to make an equal comparison.

Do you qualify for these six discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts to help bring down the price. Some trigger automatically when you complete an application, but a few must be asked for in order for you to get them. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on C-Class insurance than their less cautious counterparts.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course if it’s offered in school.

It’s important to understand that most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will help reduce your premiums.

To see a list of providers offering auto insurance discounts, click here.

Don’t assume everyone needs the same coverage

When buying the best insurance coverage coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • If I drive on a suspended license am I covered?
  • Does having multiple vehicles earn me a discount?
  • What is medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • When can I cancel my policy?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

The coverage is in the details

Knowing the specifics of your policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for expenses like X-ray expenses, surgery, hospital visits, pain medications and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz C-Class.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits do not exceed the liability coverage limits.

Collision coverage protection

This coverage pays for damage to your C-Class caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a parking meter, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like emergency aid, loss of income, attorney fees, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as large an amount as possible.

A penny saved is a penny earned

We just presented a lot of techniques to shop for 2002 Mercedes-Benz C-Class insurance online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the smallest insurance companies. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

Affordable insurance is available from both online companies and also from your neighborhood agents, and you need to price shop both to get a complete price analysis. Some insurance providers may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

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