Save Money on Mercedes-Benz C350 Insurance in Dallas

A recent survey discovered that a large majority of drivers kept their policy with the same company for over three years, and just under half have never shopped around. The average driver in Dallas can save hundreds of dollars each year, but most undervalue the rate savings if they swap their current policy for a cheaper one.

If saving the most money is your goal, then the best way to get cheaper Mercedes-Benz C350 insurance is to start comparing prices yearly from insurers who can sell car insurance in Dallas. This can be done by following these steps.

Step 1: Try to learn about auto insurance and the modifications you can make to prevent expensive coverage. Many things that cause rate increases such as speeding tickets, accidents and an imperfect credit history can be controlled by making minor driving habit or lifestyle changes.

Step 2: Request price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can only give rate quotes from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple companies. View prices

Step 3: Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.

One key aspect of rate comparisons is to make sure you enter identical coverage information on every quote and and to get quotes from as many companies as possible. Doing this enables the most accurate price comparison and plenty of rates choose from.

Most of the larger companies provide pricing on the web. The process is quite easy as you simply enter your coverage preferences on the page. After you complete the form, the system automatically orders reports for credit and driving violations and generates a price based on the information you submitted.

Quoting online for Mercedes-Benz C350 insurance in Dallas makes it easy to compare insurance prices and it’s absolutely necessary to compare as many rates as possible if you want to find the best rate on auto insurance.

If you want to get comparison pricing now, compare quotes from the companies shown below. If you currently have coverage, we recommend you complete the form with the coverage information identical to your current policy. This way, you are getting a rate comparison based on identical coverages.

The companies shown below are ready to provide comparison quotes in Texas. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get the best price comparison.

Insurance in Texas serves several purposes

Even though it’s not necessarily cheap to insure a Mercedes-Benz in Dallas, buying insurance is a good idea for several reasons.

• Almost all states have minimum liability requirements which means the state requires specific limits of liability coverage if you don’t want to risk a ticket. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a loan on your C350, most banks will make it mandatory that you buy insurance to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Mercedes-Benz at a much higher rate and require you to fork over for the expensive policy.
• Insurance protects not only your car but also your financial assets. It will also cover medical expenses for both you and anyone you injure as the result of an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of an accident. If damage is caused by hail or an accident, your insurance policy will pay all costs to repair after the deductible has been paid.

The benefits of carrying enough insurance are definitely more than the cost, specifically if you ever have a liability claim. But the average American driver overpays as much as $825 a year so compare quotes from several companies at every renewal to ensure rates are inline.

Analysis of coverages

The rate information below covers a range of insurance rates for Mercedes-Benz C350 models. Having a better idea how policy rates are established is important to be able to make smart choices when selecting a policy.

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Price information does not factor in vehicle garaging location which can alter rates substantially.

Insurance deductibles

One of the more difficult decisions when buying insurance is at what level do you set your deductibles. The rates below can help you understand the rate differences between low and high coverage deductibles. The first pricing table uses a $100 physical damage deductible and the second price table uses a $1,000 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific Dallas garaging location which can modify price quotes considerably.

Based on these figures, using a $100 deductible will cost you roughly $49 more each month or $588 for a full year averaged for all C350 models than buying the higher $1,000 deductible. Since you would have to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go at a minimum 18 months between claim filings, you would more than likely save some money if you choose the higher deductible.

One thing to note is that raising deductibles results in having to pay to pay more out-of-pocket when you have a comprehensive or collision claim. It will be required that you have enough extra savings in the event you have to pay the higher deductible in order to repair your vehicle.

Save a ton by taking advantage of discounts

Some insurers do not advertise their entire list of discounts in a way that’s easy to find, so the following is a list of both the well known and the harder-to-find savings tricks you should be using when you buy Dallas auto insurance online.

• Military Rewards – Having a deployed family member could qualify you for better prices.
• ABS Brakes – Cars equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
• Government Employees – Active or retired federal employment can save as much as 8% with a few auto insurance companies.
• Pay Early and Save – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
• Multiple Vehicles – Insuring primary and secondary vehicles on the same auto insurance policy can get a discount for every vehicle.
• Savings for New Vehicles – Insuring a new C350 can save you some money because new model year vehicles are generally safer.
• Theft Deterrent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
• Defensive Driving Course – Passing a course teaching safe driver skills could cut 5% off your bill and make you a better driver.
• No Accidents – Insureds who avoid accidents and claims pay less in comparison with accident-prone drivers.

As is typical with insurance, most discounts do not apply to the entire policy premium. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, companies don’t profit that way. Any amount of discount should definitely cut the amount you pay for coverage.

The example below illustrates the difference between Mercedes-Benz C350 auto insurance rates with and without some available policy discounts. The prices are based on a female driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, claim-free, safe-driver, marriage, and homeowner discounts applied.

Companies and their possible discounts are included below.

• State Farm offers premium reductions for student away at school, anti-theft, Drive Safe & Save, multiple policy, multiple autos, and good student.
• GEICO policyholders can earn discounts including multi-vehicle, emergency military deployment, multi-policy, good student, anti-theft, anti-lock brakes, and membership and employees.
• Progressive offers discounts including online quote discount, online signing, continuous coverage, good student, multi-vehicle, and homeowner.
• 21st Century has discounts for air bags, good student, 55 and older, student driver, theft prevention, and anti-lock brakes.
• American Family may include discounts for TimeAway discount, multi-vehicle, Steer into Savings, air bags, early bird, accident-free, and bundled insurance.
• The Hartford includes discounts for vehicle fuel type, good student, bundle, defensive driver, driver training, air bag, and anti-theft.
• AAA may offer discounts for anti-theft, AAA membership discount, pay-in-full, multi-car, and education and occupation.

Double check with every prospective company how many discounts you can get. All car insurance discounts might not be offered on policies in Dallas.

Do I just need basic coverages?

Always remember that when buying a policy for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions might point out whether or not you might need an agent’s assistance.

• Is business equipment covered while in my vehicle?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Is a fancy paint job covered?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Why do I only qualify for high-risk insurance?
• Does my policy cover me when driving someone else’s vehicle?
• Do I need PIP (personal injury protection) coverage in Texas?
• Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.