Buyers have lots of choices when searching for the lowest priced Mercedes-Benz C320 insurance. You can either spend your time driving around to get rate comparisons or save time using the internet to compare rates.
There are both good and bad ways to shop for car insurance so we’re going to tell you the absolute fastest way to compare rates on a Mercedes-Benz and locate the lowest possible price either online or from local insurance agents.
Fast and Easy Car Insurance Quotes
There are a lot of ways to compare car insurance prices but some are easier and takes less work. You could waste time discussing policy coverages with insurance agencies in your area, or you can stay home and use the internet for quick rates.
Many companies are enrolled in a marketplace where insurance shoppers send in one quote, and at least one company then gives them pricing based on that data. This prevents consumers from doing quotation requests to each company.
To access this free quoting program, click here to start a free quote.
The only drawback to pricing coverage this way is you are unable to specify the insurers you will receive quotes from. If you would rather choose specific providers to compare, we put together a list of car insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but double check that you are using identical deductibles and coverage limits for each price quote. If you enter different liability limits it will be impossible to make an equal comparison. Slightly different coverages may result in large price differences. And when comparing car insurance rates, know that obtaining a wide range of quotes will enable you to find the best rates.
Verify you’re getting all your discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you quote, but less common discounts must be requested specifically in order for you to get them.
- Military Rewards – Having a deployed family member may qualify for rate reductions.
- Defensive Driver – Taking part in a course in driver safety can save you 5% or more if you qualify.
- College Student – Any of your kids who are attending college and do not have a car can receive lower rates.
- Student Driver Training – Require your teen driver to take driver’s ed class in high school.
- Organization Discounts – Being a member of a professional or civic organization is a good way to get lower rates when shopping for car insurance for C320 coverage.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
- Sign Early and Save – Select companies give a discount for buying a policy before your current expiration date. It can save you around 10%.
- Multiple Policy Discount – When you have multiple policies with the same insurance company you may save at least 10% off all policies.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
Drivers should understand that most discounts do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce your premiums.
These factors can influence what you pay for Mercedes-Benz C320 insurance
It’s important that you understand the different types of things that come into play when calculating your car insurance rates. Knowing what controls the rates you pay enables informed choices that may reward you with lower car insurance prices.
The list below includes a few of the “ingredients” car insurance companies consider when setting rates.
- Where you live can impact rates – Choosing to live in a small town is a positive aspect when buying car insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas tend to have more traffic problems and longer commutes to work. Longer commute distances means higher likelihood of an accident.
- Do men or women drive better? – Statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both sexes cause accidents in similar percentages, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and thus pay the highest rates.
- Consolidate policies to earn discounts – Many companies will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you still need to compare rates to make sure you are getting the best deal. You may still find better rates by buying car insurance from a different company.
- More claims means more premium – Car insurance companies provide lower rates to people who file claims infrequently. If you frequently file small claims, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
- Do you have a high stress job? – Did you know your occupation can influence how much you pay for car insurance? Occupations like doctors, business owners and accountants are shown to have higher rates than average in part from high stress and lengthy work days. On the flip side, jobs such as actors, athletes and homemakers pay the least for C320 coverage.
- What are your deductibles? – Your deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some examples of claims that would be covered would be colliding with a building, vandalism, or theft. The more expense the insured has to pay upfront, the less your car insurance will be for C320 coverage.
- The type of vehicle makes a difference – The make and model of the vehicle you drive makes a significant difference in your rates. The lowest base rates are usually for small economy passenger vehicles, but other factors influence the final cost greatly. Since the Mercedes-Benz C320 is considered a luxury sedan, insuring your vehicle will cost more than the average rate where you live.
- Tickets mean higher rates – Even one moving violation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than their less careful counterparts. If you have dangerous violations like DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
Can you really save $383 a year?
Companies like Allstate, GEICO and Progressive regularly use ads on TV and radio. All the ads have a common claim of big savings if you move your policy. But how can every company say the same thing? It’s all in the numbers.
Insurance companies can use profiling for the right customer that makes them money. A good example of a profitable customer could possibly be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A customer getting a price quote who fits that profile gets the lowest rates and most likely will pay quite a bit less when switching companies.
Drivers who don’t meet these standards will have to pay a more expensive rate and ends up with business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that much. That’s the way companies can claim big savings.
Because of the profiling, you should compare many company’s rates. Because you never know which insurance companies will fit your personal profile best.
Summing up your car insurance search
Affordable Mercedes-Benz C320 insurance can be found online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. Some car 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.
Drivers change insurance companies for any number of reasons including high prices, being labeled a high risk driver, policy non-renewal and even denial of a claim. Regardless of your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.
When trying to cut insurance costs, don’t be tempted to skimp on coverage in order to save money. Too many times, an insured dropped uninsured motorist or liability limits and discovered at claim time that the small savings ended up costing them much more. Your strategy should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.
