Cheap 2012 Mercedes-Benz C-Class Car Insurance Quotes

Shopping for car insurance is not a chore car owners look forward to, but it has to be done before you can go for a ride.

Factors that can influence Mercedes-Benz C-Class insurance rates

Consumers need to have an understanding of the different types of things that help determine insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in big savings.

  • Males pay more for insurance – The statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Women and men tend to get into accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also tend to receive more costly citations like DUI and reckless driving.
  • Younger drivers pay higher rates – Teenage drivers are statistically proven to be less responsible when behind the wheel so they pay higher insurance rates. Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
  • Liability coverage protects you – Liability insurance is the protection in the event that you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court starting from day one. Liability is cheap compared to physical damage coverage, so buy as much as you can afford.
  • Consolidate policies to earn discounts – Most insurance companies give discounts to people who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, you may still want to comparison shop to make sure you are getting the best deal. You may still be able to find better rates by splitting coverages up.
  • Safer cars cost less to insure – Safer cars get lower rates. The safest vehicles reduce injuries and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If the Mercedes-Benz C-Class earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Don’t buy coverages you don’t need – There are a lot of additional coverages you can purchase when buying insurance. Insurance for vanishing deductibles, better glass coverage and term life insurance are examples of these. These coverages may sound good when you first buy your policy, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Your spouse saves you money – Having a spouse can actually save you money on your policy. It usually means you are more mature than a single person and it’s proven that being married results in fewer claims.

The quickest way to get rate comparisons is to take advantage of the fact all the major auto insurance companies pay for the opportunity to give you rate quotes. All consumers are required to do is provide a little information such as how your vehicles are used, the make and model of your vehicles, what you do for a living, and types of safety features. That rating information is automatically sent to multiple top-rated companies and they return rate quotes immediately.

To get price quotes for your Mercedes-Benz C-Class , click here and complete the quick form.

Don’t miss these discounts

Companies that sell car insurance do not list every discount very well, so the following is a list of both the well known as well as the least known ways to save on insurance coverage.

  • Safety Course Discount – Taking a driver safety course could cut 5% off your bill if your company offers it.
  • Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Memberships – Belonging to a qualifying organization could trigger savings when shopping for insurance coverage on C-Class coverage.
  • Passive Restraint Discount – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as comprehensive or collision. Just because you may think all the discounts add up to a free policy, you won’t be that lucky.

To see a list of insurers offering insurance coverage discounts, click here.

When might I need help?

When choosing the best car insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

For instance, these questions might help in determining if you might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • How high should my uninsured/underinsured coverage be in my state?
  • Can I afford low physical damage deductibles?
  • When can my company non-renew my policy?
  • Will filing a claim cost me more?
  • Can I afford to buy a different vehicle if my 2012 Mercedes-Benz C-Class is totaled?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage options for a 2012 Mercedes-Benz C-Class

Understanding the coverages of your insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Collision coverages – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, theft, fire damage, rock chips in glass and hitting a deer. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage – Liability coverage protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as medical expenses, medical services, bail bonds and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance – Med pay and PIP coverage kick in for expenses for doctor visits, funeral costs and pain medications. The coverages can be used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercedes-Benz C-Class.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea.

What is YOUR best insurance company?

Drivers leave their current company for any number of reasons including delays in paying claims, being labeled a high risk driver, high prices and extreme rates for teen drivers. It doesn’t matter what your reason, finding a new insurance company can be easier than you think.

Affordable 2012 Mercedes-Benz C-Class insurance can be found online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

We just covered a lot of techniques to save on insurance. The key thing to remember is the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from the smaller companies.

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