Car Insurance Quotes for a Mercedes C-Class

The average annual car insurance premium for a Mercedes C-Class is $1,652 a year for full coverage and $663 for a liability-only policy.

Full coverage offers an increased level of protection, with liability, collision, and comprehensive for first and third-party benefits to cover the cost of injuries and damages to policyholders and other drivers up to specified limits.

If you need help understanding which policy is right for you, Freeway Insurance is standing by. Considering your needs and budget, we’re prepared to present several affordable policy options with expert advice.

Mercedes C-Class drivers can benefit from several coverage options, including state minimum liability and full coverage.

Both vary greatly in terms of scope and degree of protection. One offers third-party benefits only, and the other provides a combination of first and third-party benefits like liability, collision, and comprehensive.

Full Coverage

A full policy is a term used to describe a policy that comprises liability, collision, and comprehensive coverage.

Whereas liability covers the cost of injury or property damage caused to others in an at-fault accident, collision pays for repairs or replacement to your vehicle or property. In turn, comprehensive protects against non-collision-related events such as natural disasters, theft, and vandalism.

Full coverage does not necessarily include other types of coverage, e.g., uninsured/underinsured motorist, roadside assistance, and medical payments (MedPay). Although added separately and not required in many states, adding these may offer greater peace of mind.

State Minimum Liability

State minimum is the legally mandated policy your state requires you to have. Specifically, it provides protection for bodily injury and property damage up to specified limits, expressing as a three-number combination e.g. 25/50/10.

For example, all Idaho drivers must carry a 25/50/15 policy, or $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.

Minimum limits may not be enough to cover you in an accident. It’s not uncommon for medical costs and property damage to exceed your limits. Remember, the higher your liability limits, the better you are protected in the event of an accident.

Many factors influence premiums, including driving record, location, and vehicle annual mileage.

Driving Record

Expect drivers with zero accidents, traffic violations, or claims to pay significantly lower premiums than drivers with multiple accidents or violations.

Location

Geographical location must also be considered, with high population density, crime rate, and claims rate areas seeing higher premiums. That’s why drivers from densely populated cities frequently pay more than drivers from sparsely populated suburban and rural areas.

Vehicle Type and Usage

The vehicle make/model, number of safety features, depreciation rate, theft rate, and hundreds of other variables used by auto insurers to determine risk level all contribute towards higher or lower premiums. Additionally, vehicle usage factor, with high mileage drivers paying more in premiums since they are more likely to be involved in an accident.

Unfortunately, even first-time DUIs will harm any driver’s record and premiums paid.

For starters, you can expect your premiums to increase, with providers adjusting rates based on state regulations, accident severity, and the driver’s past driving record. Do not be surprised if your premiums double or triple. Secondly, depending on the state, you may be required to file an SR-22 or an FR-44, which lets the state know you are complying with all of the state-mandated auto insurance requirements.

Lastly, do not forget limited coverage options. Providers may outright reject or deny policy renewal, forcing you to seek help from high-risk insurance providers with significantly higher rates and inflexible terms.

If you have been recently convicted of a DUI, you may need to shop around to find cheap DUI insurance.

This is a vehicle in the luxury small car segment.

It comes in three trims: Premium, Exclusive, and Pinnacle, along with several engine options ranging from 255 to 503 horsepower, including a 255-horsepower turbo-four and a 402-horsepower turbocharged 2.0-liter four-cylinder engine.

Standard features include an 11.9-inch touch screen, Apple CarPlay/Android Auto compatibility, a 12.3-inch digital instrument cluster, and a universal garage door opener.

Main competitors are the BMW 3 Series, Genesis G70, Audi A4, and Cadillac CT4.