Searching for cheaper insurance for a Mercedes-Benz 500SEC can normally be difficult, but you can learn the following methods and make it easy.
There are more efficient ways to compare car insurance rates so we’re going to tell you the proper way to quote coverages on a Mercedes-Benz and obtain the lowest price from both online companies and local agents.
If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Buying affordable car insurance coverage is not that difficult. But consumers must know how big insurance companies determine prices and use this information to your advantage.
There are several ways to compare prices from different insurance companies. The recommended way to find competitive insurance rates consists of obtaining rate quotes online. It is quite easy and can be accomplished in several different ways.
- If you don’t have a lot of time, the easiest way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form saves time by eliminating separate quotation requests for every car insurance company. One simple form compares rates from multiple companies. This is by far the quickest method.
- A slightly less efficient method to compare rate quotes consists of visiting the website for each individual company and get a separate price quote. For sake of this example, we’ll assume you want comparison quotes from Auto-Owners, State Farm and American Family. In order to get each rate, you would have to navigate to each company’s site and repeatedly enter your information, which can be really labor intensive. For a list of companies in your area, click here.
- The least efficient and most time consuming way to compare price estimates is calling or driving to each insurance agency near you. Shopping for car insurance online can eliminate the need for a local agent unless you have a need for the advice and guidance only provided by licensed agents. Drivers can get prices online but buy the policy through an agent.
The method you choose is up to you, but make darn sure you compare apples-to-apples coverage information on every price quote you get. If the quotes have mixed coverages it will be impossible to truly determine the lowest rate. Even a minor difference in insurance coverages could skew the results. It’s important to know that getting more free quotes will increase your chances of finding a lower rate.
Getting quotes from local auto insurance agents
A small number of people still like to visit with an insurance agent and that is a smart decision The biggest benefit of comparing rate quotes online is you can get better rates and still buy from a local agent. Putting coverage with neighborhood agents is especially important in small towns and cities.
After filling out this short form, your information is instantly submitted to local insurance agents who will give you quotes for your car insurance coverage. There is no need to contact an agency because prices are sent directly to your email. You can get cheaper car insurance rates without a big time investment. If you have a need to get a rate quote from a specific car insurance provider, don’t hesitate to find their quoting web page and fill out their quote form.
If you would like to find a reliable insurance agent, it helps to know the two different types of agents and how they can write your policy. Car insurance agents are either captive or independent (non-captive).
Independent Car Insurance Agencies or Brokers
Agents of this type are not employed by any specific company so they can insure your vehicles through many companies enabling the ability to shop coverage around. If your agent finds better pricing, your agent can just switch to a different company and that require little work on your part. If you are comparing car insurance prices, you will want to compare quotes from a few independent agents to ensure the widest selection of prices. A lot of them also have access to additional companies that you may not be familiar with that may provide cheaper car insurance rates.
Captive Agents
These agents can only provide one company’s prices such as American Family, State Farm, and Allstate. Captive agencies are unable to shop your coverage around so you need to shop around if the rates are high. These agents receive a lot of sales training on their company’s products which helps overcome the inability to quote other rates. Drivers often choose to use a captive agent mostly because of the brand name and solid financial strength.
For agents in your area, please link to this full listing of insurance agencies in your state.
Picking an insurance agency requires more thought than just a low price. Here are some questions you should ask.
- Can they give you a list of client referrals?
- Do you qualify for any additional discounts?
- How experiences are they in personal risk management?
- Is there any savings for paying the full premium?
- What are their preferred companies if they are an independent agency?
