View 2021 Mercedes-Benz C-Class Insurance Rates in 2024

If you’re new to shopping for auto insurance quotes online, it’s easy to get overwhelmed by the crazy number of insurance providers selling insurance.

Cheap auto insurance rates with discounts

Auto insurance is not cheap nor is it fun to buy but there are discounts available to help offset the cost. Most are applied at quote time, but a few need to be specially asked for before you will receive the discount.

• Discount for New Cars – Insuring a new car is cheaper because new vehicles are generally safer.
• Accident-Free Discounts – Drivers who stay claim-free can earn big discounts in comparison to accident-prone drivers.
• Discounts for Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts can save a little on medical payment and PIP coverage.
• E-sign – Certain larger companies give back up to $50 for buying your policy on your computer.
• Student Driver Training – Require your teen driver to successfully take a drivers education course if it’s offered in school.
• Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and will qualify for a discount on a auto insurance quote.

As a footnote on discounts, most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, it doesn’t quite work that way.

Popular auto insurance companies and a partial list of their discounts can be found below.

• Esurance has savings for anti-lock brakes, online shopper, paid-in-full, claim free, and multi-car.
• The Hartford offers discounts for bundle, vehicle fuel type, defensive driver, good student, driver training, anti-theft, and air bag.
• AAA offers discounts including education and occupation, AAA membership discount, good driver, multi-car, good student, and multi-policy.
• GEICO may offer discounts for anti-theft, multi-vehicle, federal employee, defensive driver, military active duty, and multi-policy.
• State Farm includes discounts for accident-free, good student, student away at school, safe vehicle, and good driver.

When comparing rates, check with all companies you are considering to give you their best rates. Savings may not apply to policyholders everywhere.

Which car insurance is cheapest?

Many insurance companies like 21st Century, Allstate and State Farm make it easy to get prices on the web. Getting prices online is fairly straightforward as all you need to do is type in your coverage information on the page. When complete, the company’s rating system gets reports for credit and driving violations and generates a price based on many factors.

Online quotes simplifies rate comparisons, but the process of having to visit each company’s website and repetitively fill out multiple forms is repetitive and time-consuming. But it’s necessary to do this if you are searching for lower prices.

A more efficient way to lower your rates requires only one form to get prices from multiple companies. It’s a real time-saver, reduces the work, and makes quoting online a lot less work. After sending your information, it is rated with multiple companies and you can pick any or none of the returned quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. It takes just a few minutes to complete and could lower your rates considerably.

To save time and compare rates using this form now, simply enter your zip code here and complete the simple form. If you have your current policy handy, we recommend you complete the form with the insurance coverages just like they are on your policy. Doing this guarantees you will receive a rate comparison using the same coverage and limits.

How do insurance companies determine Mercedes-Benz C-Class insurance premiums?

An important part of buying insurance is that you know the factors that go into determining insurance rates. When consumers understand what influences your rates, this enables informed choices that may result in lower insurance prices. Lots of factors are part of the calculation when you quote your car insurance policy. Some factors are common sense such as your driving record, but other criteria are less apparent such as whether you are married or how safe your car is.

• With age comes responsibility – Beginning drivers tend to be more careless when driving therefore insurance rates are much higher. Having to add a teen driver to your insurance policy can increase premiums substantially. Older insureds are more cautious drivers, tend to cause fewer accidents , and are generally more financially stable.
• Your vocation is a factor – Did you know your insurance rates can be affected by your occupation? Occupations such as military generals, business owners and medical professionals are shown to have higher premiums than the average policyholder in part from stressful work requirements and lots of time spent away from family. On the flip side, careers such as scientists, historians and performers pay the least on C-Class coverage.
• Drive less and save – Driving more miles in a year the more it will cost to insure it. Almost all companies apply a rate determined by how the vehicle is used. Autos that have low annual miles can be on a lower rate level than cars that get driven a lot. It’s always a good idea to double check that your vehicle rating reflects the correct usage. Improper usage on your C-Class can result in significantly higher rates.
• Where you live is a factor – Choosing to live in less populated areas of the country may provide you with better prices when shopping for auto insurance. Drivers in populated areas regularly have more aggressive driving styles and more severe claims. Less people translates into fewer accidents as well as less vandalism and auto theft.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

• Should I bundle my homeowners policy with my auto?
• Is my business laptop covered if it gets stolen from my vehicle?
• Am I covered if I crash into my own garage door?
• If my 2021 Mercedes-Benz C-Class is totaled, can I afford another vehicle?
• Is other people’s property covered if stolen from my vehicle?
• Why am I required to buy liability insurance?
• What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Auto insurance coverages

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need for your vehicles. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance

This coverage will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims like funeral expenses, emergency aid, loss of income and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as X-ray expenses, EMT expenses and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix 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 pays for things like damage from getting keyed, falling objects, vandalism and a broken windshield. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz C-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

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

Collision coverage protects against claims like driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Final considerations

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There have been many cases where drivers have reduced full coverage only to find out that the small savings ended up costing them much more. Your aim should be to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

We’ve covered a lot of techniques to reduce 2021 Mercedes-Benz C-Class insurance rates online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting affordable auto insurance. Drivers may discover the lowest rates come from some of the smallest insurance companies.

There are still a few companies who may not provide price quotes online regional carriers work with independent agents. Cheaper car insurance is available from both online companies in addition to many insurance agents, so compare prices from both so you have a total pricing picture.