Are you confused by the number of auto insurance sources available to you? There are so many sources to choose from that it can easily become a difficult mission to compare premium rates on Mercedes-Benz C350 insurance. If you’ve ever been there, you know that San Antonio is a wonderful place to live, but expensive auto insurance rates can make it impossible to be able to buy decent coverage.
It’s an obvious statement that auto insurance companies don’t want policyholders to shop around. People who shop rates annually will, in all likelihood, switch to a new company because there is a great chance of finding a cheaper policy. A recent study showed that drivers who did price comparisons regularly saved about $72 a month as compared to drivers who never shopped around for cheaper prices.
If finding the cheapest price on Mercedes-Benz C350 insurance in San Antonio is your intention, then learning about how to quote and compare auto insurance can save time, money, and frustration.
You need to get comparison quotes before your next renewal because prices fluctuate regularly. Just because you had the best rates on Mercedes-Benz C350 insurance in San Antonio six months ago there is a good chance you can find better rate quotes now. Block out anything you think you know about auto insurance because you’re about to find out the fastest and easiest way to find great coverage at a great price.
If you currently have car insurance, you should be able to reduce the price you pay using the techniques presented in this article. The goal of this article is to help you learn how insurance works and also save some money in the process Although Texas car owners should learn how big insurance companies determine premium rates.
The best way to compare rate quotes for Mercedes-Benz C350 insurance in San Antonio is to know the fact almost all companies participate in online systems to give free rates quotes. To start a quote, the only thing you need to do is provide a small amount of information like an estimate of your credit level, distance driven, if it has an anti-theft system, and if you are currently licensed. Your rating data is instantly sent to many different companies and they provide comparison quotes within a short period of time.
If you would like to compare rates now, click here and enter the information requested.
The providers in the list below can provide price comparisons in Texas. If multiple companies are listed, we recommend you click on several of them to get a more complete price comparison.
Mercedes-Benz C350 insurance rate analysis
The data table shown below covers estimates of prices for Mercedes-Benz C350 models. Being more informed about how insurance quotes are formulated can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,560 | $130 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Table data does not factor in specific zip code location which can change coverage rates noticeably.
Higher deductibles lower rates
One of the hardest decisions when shopping for auto insurance is how high or low should comp and collision deductibles be. The rates below may help to conceptualize the rate fluctuation when you select higher and lower coverage deductibles. The first pricing table uses a $250 deductible and the second price grid uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $300 | $542 | $382 | $22 | $114 | $1,360 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Price estimates do not factor in San Antonio location which can lower or raise premium rates significantly.
Based on the figures above, using a $250 deductible costs an average of $19 more each month or $228 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to go at least 13 months between claim filings, you would probably come out ahead if you choose a higher deductible.
Impact of careless driving on auto insurance rates
The chart below illustrates how violations and at-fault collisions can influence Mercedes-Benz C350 insurance rates for different categories of driver ages. The premiums assume a single female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
Auto insurance prices based on gender
The chart below visualizes the comparison of Mercedes-Benz C350 car insurance rates for male and female drivers. The prices are based on no violations or accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are factored in.
Choosing the best Mercedes-Benz C350 insurance in Texas is an important decision
Despite the high cost, paying for car insurance may be mandatory for several reasons.
First, almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage if you drive a vehicle. 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.
Second, if you bought your car with a loan, more than likely the lender will make it a condition of the loan that you have physical damage coverage to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Mercedes-Benz at a much higher premium rate and force you to reimburse them the higher price.
Third, car insurance protects both your Mercedes-Benz and your personal assets. It will also provide coverage for many types of medical costs for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, also pays for attorney fees and expenses if you cause an accident and are sued. If your car is damaged in a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of buying car insurance more than cancel out the cost, especially if you ever need it. According to a survey of 1,000 drivers, the average driver overpays as much as $810 a year so it’s recommended you shop around at every policy renewal to make sure the price is not too high.
What Impacts Mercedes-Benz C350 Insurance Costs?
It’s important that you understand some of the factors that help determine your auto insurance rates. If you know what impacts premium levels, this allows you to make educated decisions that could result in cheaper rates.
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Youthful drivers cost more – Teenage drivers in Texas are statistically shown to be less responsible behind the wheel so auto insurance rates are higher. Older people tend to be more responsible, cost insurance companies less in claims, and are generally more financially stable.
The chart below uses these assumptions: single driver, full coverage with $100 deductibles, and no discounts or violations.
- Location can influence price – Choosing to live in small towns and rural areas is a good thing when talking about auto insurance. Less people translates into fewer accident claims in addition to fewer liability claims. Residents of big cities have congested traffic and longer commute times. More time on the road translates into higher accident risk.
- Liability coverage claims can be big – Liability coverage is the coverage that protects you when you are found to be at fault for an accident. Liability insurance provides you with a defense in court to attempt to prove you were not liable. Liability is cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
- Cars with good safety ratings cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Vehicles built for safety reduce occupant injuries and lower rates of occupant injuries means your insurance company pays less and lower rates for you. If your Mercedes-Benz earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
- Discounts for married drivers – Your spouse may save some money when shopping for auto insurance. It demonstrates that you tend to be more mature than a single person and statistics prove married drivers get in fewer accidents.
- Save money with GPS tracking and theft deterrents – Choosing a vehicle that has a built-in theft deterrent system can help bring down rates. Systems that thwart thieves such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.
- Save money by raising comp and collision deductibles – Physical damage deductibles are how much you are willing to pay if a covered claim is submitted. Physical damage protection, also called comprehensive and collision insurance, insures against damage to your car. Examples of some claims that would be covered would be collision with another vehicle, vandalism, and damage from wind. The more damage repair cost the insured is willing to pay, the less your auto insurance will be.
- Annual mileage and car insurance costs – The higher the miles on your Mercedes-Benz each year the higher your rates will be. Many insurance companies apply a rate based upon how you use the vehicle. Cars and trucks that do not get driven very much receive lower rates than those used for commuting. Double check that your vehicle rating correctly shows how each vehicle is driven. Improper usage on your C350 is throwing money out the window.
Score discounts to get cheaper San Antonio auto insurance quotes
Some insurance providers don’t always list all their discounts in an easy-to-find place, so we break down some of the more common and the harder-to-find ways to save on auto insurance.
- First Accident Forgiveness – Not a discount per se, but certain companies permit an accident without the usual rate increase as long as you don’t have any claims for a certain period of time.
- Payment Method – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
- Passive Restraints and Air Bags – Options like air bags or automatic seat belts can get savings of up to 25% or more.
- Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance from them.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems are less likely to be stolen and qualify for as much as a 10% discount.
- Student in College – College-age children who attend college more than 100 miles from San Antonio and won’t have access to an insured vehicle may be able to be covered for less.
One thing to note about discounts is that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous.
The example below compares Mercedes-Benz C350 car insurance rates with and without discounts applied to the policy rates. The data is based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, claim-free, multi-policy, safe-driver, and multi-car discounts applied.
Some of the insurance companies that have these benefits include:
If you are trying to find the cheapest Mercedes-Benz C350 rate quotes, ask all the companies the best way to save money. Savings might not be offered on policies everywhere.
Insurance agents are professional risk managers
Some consumers just want to talk to a local agent and that is a smart decision A nice benefit of comparing insurance prices online is the fact that you can find the best rates but still work with a licensed agent. And buying from neighborhood agents is definitely important in San Antonio.
Upon completion of this simple form, your insurance coverage information is transmitted to local insurance agents who will gladly provide quotes and help you find cheaper coverage. There is no need to drive around because quoted prices will be sent instantly to you. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you wish to get a price quote from one company in particular, just search and find their rate quote page and complete a quote there.
If you are wanting to find a good San Antonio insurance agent, you need to know there are two different types of agencies and how they differ in how they quote coverages. Insurance agencies in San Antonio are considered either exclusive agents or independent agents.
Independent Auto Insurance Agents
These type of agents often have many company appointments so they can quote policies with any number of different companies and get the cheapest rates. If your premiums go up, your agent can switch companies which requires no work on your part.
When comparing rate quotes, it’s recommended you get insurance quotes from several independent agencies so that you have a good selection of quotes to compare. Many can place coverage with less well-known companies that may have much lower rates than larger companies.
The following are independent agents in San Antonio that may be able to give free auto insurance rate quotes.
- Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map - Toubin Insurance Agency
7410 Blanco Rd #385 – San Antonio, TX 78216 – (210) 446-0109 – View Map - Grona Boles Martin Bloxsom Insurance Agency
800 Isom Rd # 100 – San Antonio, TX 78216 – (210) 366-5094 – View Map
Exclusive Auto Insurance Agencies
Agents that elect to be exclusive can only quote rates from one company such as State Farm, Allstate, or Farmers Insurance. Exclusive agents are unable to provide rate quotes from other companies so they are skilled at selling on more than just price. Exclusive agencies are well trained on what they offer which helps offset the inability to provide other markets. Some insured continue to buy from exclusive agents partially due to the brand legacy rather than having low rates.
Shown below is a short list of exclusive insurance agencies in San Antonio who can help you get comparison quotes.
- Joe Trevino – State Farm Insurance Agent
4951 De Zavala Rd – San Antonio, TX 78249 – (210) 694-0866 – View Map - Trent Rosenkranz – State Farm Insurance Agent
1840 S General McMullen Dr #109 – San Antonio, TX 78226 – (210) 433-9000 – View Map - Norma Lopez Petre – State Farm Insurance Agent
3227 SW Military Dr #103 – San Antonio, TX 78211 – (210) 928-3276 – View Map
Picking a auto insurance agent shouldn’t rely on just the price. These are some questions your agent should answer.
- Are they primarily personal or commercial lines agents in San Antonio?
- Do they make recommendations based only on price?
- What insurance company do they write the most business with?
- Will your rates increase after a single accident?
- Did they already check your driving record and credit reports?
The most affordable rates come from being thorough
People leave their current company for many reasons like being labeled a high risk driver, policy cancellation, delays in responding to claim requests or even delays in paying claims. Regardless of your reason, switching insurance companies is easier than you think.
More affordable insurance in San Antonio is attainable from both online companies and also from your neighborhood San Antonio agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not offer price quotes online and usually these smaller companies provide coverage only through independent agencies.
We just covered a lot of techniques to get a better price on Mercedes-Benz C350 insurance in San Antonio. It’s most important to understand that the more quotes you get, the higher your chance of finding affordable Mercedes-Benz C350 insurance quotes. You may even find the biggest savings come from some of the smallest insurance companies.
Much more information about insurance in Texas can be found on the following sites:
- Drunk Driving Statistics (Insurance Information Institute)
- Who Has the Cheapest San Antonio Auto Insurance Quotes for Low Income Drivers? (FAQ)
- Who Has Cheap Car Insurance for Active Military in San Antonio? (FAQ)
- What Car Insurance is Cheapest for Uber Drivers in San Antonio? (FAQ)
- Who Has the Cheapest San Antonio Auto Insurance for Government Employees? (FAQ)
- Understanding Limits and Deductibles (Allstate)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- How Can I Save Money on Auto Insurance? (Insurance Information Institute)