Consumers have options when looking for affordable Mercedes-Benz C350 insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to compare rates. There are more efficient ways to buy auto insurance so you’re going to learn the quickest way to get price quotes on a Mercedes-Benz and get the cheapest rates from both online companies and local agents.
Be sure to get all your discounts
Companies don’t list all their discounts in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find ways to save on auto insurance. If you aren’t receiving every discount available, you’re paying more than you need to.
- Safety Course Discount – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.
- Discount for Life Insurance – Select insurance companies reward you with better rates if you take out life insurance.
- Sign Early and Save – Some companies give discounts for buying a policy before your current policy expires. It can save you around 10%.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
- Discount for New Cars – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
- Paperwork-free – A few companies give back up to $50 for buying your policy digitally online.
It’s important to understand that most credits do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. So when it seems like adding up those discounts means a free policy, it just doesn’t work that way.
For a list of insurance companies offering auto insurance discounts, follow this link.
Mercedes-Benz C350 insurance premiums are calculated by many factors
An important part of buying insurance is that you know the factors that help determine the rates you pay for auto insurance. Knowing what controls the rates you pay helps enable you to make changes that will entitle you to better auto insurance rates.
The following are some of the items that factor into prices.
- Liability coverage is cheap – Liability insurance will protect you when you are found to be at fault for personal injury or accident damage. It provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
- Women pay lower rates – Statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Women and men cause accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations like reckless driving and DUI.
- Bundling policies can get discounts – Some companies provide better rates to insureds who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare other company rates to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
- Careful drivers pay lower rates – Only having one moving violation can boost insurance rates twenty percent or more. Careful drivers get better rates than bad drivers. Drivers with serious tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
- Policy add-ons can waste money – There are many additional coverages that you can buy if you aren’t careful. Coverages for roadside assistance, towing coverage and term life insurance are some examples. They may seem good when you first buy your policy, but if they’re wasting money eliminate them to save money.
Save $414 a year. For real?
Drivers constantly see and hear ads for the lowest price auto insurance by companies like GEICO, State Farm and Progressive. They all seem to say the same thing that you can save if you switch to them.
How can each company say the same thing? This is how they do it.
All the different companies have a certain “appetite” for the type of driver that earns them a profit. For example, a preferred risk might be profiled as over the age of 40, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and as a result will probably cut their rates substantially.
Potential insureds who don’t measure up to these standards will be quoted higher premiums and this can result in the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that kind of money. That’s why companies can make those claims. This emphasizes why it’s extremely important to quote coverage with many companies. It’s impossible to know the company that will have the lowest rates.
In Summary
As you restructure your insurance plan, it’s not a good idea to reduce needed coverages to save money. There are a lot of situations where an accident victim reduced liability limits or collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at a price you can afford.
Cost effective Mercedes-Benz C350 insurance can be sourced on the web and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not offer the ability to get a quote online and these smaller companies work with independent agents.
In this article, we covered a lot of information how to compare Mercedes-Benz C350 insurance prices online. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the lowest rates come from an unexpected company.
