Five Minute Guide to Paying Less for Mercedes-Benz C350 Insurance Online

Locating low-cost insurance for your Mercedes-Benz C350 could be a painful process, but you can learn a few tricks and make it easy. There are both good and bad ways to find auto insurance online so you’re going to learn the quickest way to compare rates for a new or used Mercedes-Benz and find the lowest possible price either online or from local insurance agents.

Consumers should take time to shop coverage around occasionally because prices trend upward over time. Just because you had the lowest rates on C350 coverage two years ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the internet, so with this article, you’re going to get some great ideas on how to buy auto insurance cheaper.

How to Get Cheap Auto Insurance

The are a couple different ways to get quotes from local auto insurance companies. The best way to find the lowest Mercedes-Benz C350 rates consists of shopping online. This can be done in a couple of different ways.

1. The first (and easiest) way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form saves time by eliminating repetitive form entry for each company. One quote request will return quotes from many national carriers. Just one form and you’re done.
2. A harder way to get quotes online is to take the time to go to each company website to complete a price quote. For sake of this example, we’ll pretend you want rates from Progressive, Farmers and Allstate. To find out each rate you need to visit each site to enter your coverage information, and that’s why the first method is more popular.

   For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing the exact same coverage limits and deductibles with every price quote. If you use unequal deductibles or liability limits you will not be able to make an equal comparison. Slightly different insurance coverages may result in a large different in cost. It’s important to know that comparing a large number of companies will improve the odds of getting a lower rate.

Can you really save $437 a year?

Companies like State Farm, GEICO and Progressive continually stream ads in print and on television. All the ads say the same thing that you’ll save big after switching your coverage to them. But how can every company claim to save you money?

Different companies have a preferred profile for the right customer that makes them money. A good example of a preferred risk could be over the age of 50, is a homeowner, and has excellent credit. Any driver that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.

Consumers who don’t meet the requirements will have to pay higher rates and this can result in the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That is how insurance companies can state the savings. Because of the profiling, it is so important to get as many quotes as possible. It is impossible to predict the company that will provide you with the cheapest rates.

These discounts can lower your rates

Companies that sell car insurance don’t always advertise every discount very well, so we researched some of the more common and the harder-to-find discounts you could be receiving.

• More Vehicles More Savings – Having multiple cars or trucks with the same company could earn a price break for each car.
• Military Discounts – Being on active duty in the military may qualify for rate reductions.
• Save with a New Car – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
• Low Mileage – Driving fewer miles can qualify you for a substantially lower rate.
• Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on C350 coverage with a few auto insurance companies.
• Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
• Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.
• Theft Prevention System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
• Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
• Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could cut 10% or more off your PIP or medical payments premium.

It’s important to understand that some credits don’t apply the the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, it doesn’t quite work that way.

For a list of insurance companies who offer auto insurance discounts, click here.

Compare but don’t skimp

Affordable Mercedes-Benz C350 insurance is available online in addition to many insurance agents, so compare prices from both in order to have the best chance of saving money. Some companies do not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

In this article, we presented a lot of ways to shop for Mercedes-Benz C350 insurance online. The key thing to remember is the more quotes you get, the better your chances of lowering your rates. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies.

As you restructure your insurance plan, you should never buy poor coverage just to save money. There have been many situations where an insured cut full coverage only to regret at claim time that it was a big mistake. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.