Compare Mercedes-Benz C350 Insurance Quotes in El Paso

It’s astonishing, but over 70% of consumers have been with the same company for a minimum of four years, and 38% of customers have never shopped around. American consumers could save an average of nearly $860 each year, but they mistakenly think it’s difficult to do a rate comparison.

To save the most money, the best way to get low-cost auto insurance rates in El Paso is to regularly compare quotes from different companies in Texas. You can compare prices by completing these steps.

1. Take a little time to learn about the different coverages in a policy and the modifications you can make to lower rates. Many risk factors that are responsible for high rates like at-fault accidents and a poor credit score can be eliminated by being financially responsible and driving safely. This article provides more ideas to lower rates and get bigger discounts that may have been overlooked.
2. Get rate quotes from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can provide rates from one company like GEICO or State Farm, while independent agencies can provide prices from many different companies.
3. Compare the new rates to the price on your current policy and determine if there is any savings. If you can save money and buy the policy, make sure coverage is continuous and does not lapse.
4. Notify your current company of your intention to cancel your current auto insurance policy. Submit any necessary down payment along with the completed application to your new company or agent. Once coverage is bound, place the new proof of insurance paperwork somewhere easily accessible.

A good tip to remember is to try to use identical limits and deductibles on every quote and and to look at as many companies as possible. This guarantees an apples-to-apples comparison and the best price selection.

To find cheaper quotes, there are a couple of ways of comparing price quotes from different El Paso insurance companies. The recommended way to find affordable insurance rates is to perform an online rate comparison.

Getting rates online is very simple and it replaces the need to call or drive to and from local El Paso insurance agencies. The internet makes this unnecessary unless you require the extra assistance that only an agent can give. Although you can get the lowest quotes online and still use a local agent.

Just keep in mind that comparing a large number of companies provides better odds of finding the best rates.

The companies shown below provide free quotes in Texas. If multiple companies are shown, it’s highly recommended you get rate quotes from several of them to get the lowest price.

Mercedes-Benz C350 detailed coverage information

The rate table displayed next highlights estimates of coverage costs for Mercedes-Benz C350 models. Understanding more about how prices are calculated is important to be able to make smart choices when selecting a coverage provider.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Information does not factor in your specific El Paso location which can raise or lower premium rates considerably.

Higher deductibles lower rates

A question often asked by El Paso drivers is where should you set your physical damage deductibles. The rates shown below highlight the rate fluctuation when you select higher and lower deductibles. The first table uses a $250 deductible for physical damage and the second price grid uses a $500 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific El Paso garaging location which can alter prices noticeably.

Based on this data, we can arrive at the conclusion that using a $250 deductible costs an average of $19 more each month or $228 for a full year than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to have more than 13 months between claims, you would probably come out ahead if you choose the higher deductible.

The diagram below illustrates how choosing a deductible and can affect Mercedes-Benz C350 insurance premiums for different age groups of insureds. The premiums assume a married male driver, full coverage, and no discounts are applied.

How accidents and tickets impact rates

The information below illustrates how speeding tickets and at-fault accidents can increase Mercedes-Benz C350 annual premium costs for different age groups. The rate quotes are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Price comparison of only insuring for liability

The example below shows the comparison of Mercedes-Benz C350 insurance costs with full physical damage coverage compared to only buying liability only. The rate quotes are based on no claims or violations, $250 deductibles, drivers are single, and no discounts are applied to the premium.

When to drop comprehensive and collision coverage

There is no set guideline to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.

For example, let’s pretend your Mercedes-Benz C350 settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your policy deductible. If it’s costing in excess of $400 annually for your policy with full coverage, then you might consider buying liability only.

There are a few cases where eliminating full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Choosing the best Mercedes-Benz vehicle insurance in Texas is an important decision

Despite the potentially high cost of Mercedes-Benz C350 insurance, paying for car insurance serves several important purposes.

• The majority of states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific limits of liability coverage in order to license the 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.
• If your Mercedes-Benz C350 has a loan, almost all lenders will require you to buy full coverage to guarantee payment of the loan. If you let the policy lapse, the bank may insure your Mercedes-Benz at a more expensive rate and make you pay much more than you were paying before.
• Insurance safeguards both your assets and your Mercedes-Benz. It will also provide coverage for hospital and medical expenses that are the result of an accident. Liability insurance will also pay attorney fees in the event you are sued. If mother nature or an accident damages your car, your car insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your C350 more than offset the price you pay, particularly if you ever have a claim. On average, a vehicle owner in El Paso overpays as much as $855 a year so it’s very important to do a rate comparison each time the policy renews to be sure current rates are still competitive.

Choices You Make Can Impact Your Insurance Prices

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating your premiums. When you understand what controls the rates you pay, this empowers consumers to make smart changes that may result in lower insurance prices.

Shown below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

Teenagers are high risk – Mature drivers have been proven to be more responsible, statistically cause fewer accidents, and are generally more financially stable. Drivers with little experience have been known to be more careless when driving with friends therefore insurance rates are much higher.

The following chart is based on a single driver, full coverage with $250 deductibles, and no discounts or violations.

Single drivers take more risk – Walking down the aisle may save some money on your insurance bill. It may mean you are more mature and it’s proven that married drivers tend to have fewer serious accidents.

Insurance rates in urban areas – Having an address in a small town can be a good thing when insuring your vehicles. Less people living in that area translates into fewer accident claims. Urban drivers have more auto accidents and more time behind the wheel. More time behind the wheel statistically corresponds to a higher accident and claim rate.

Liability is peace of mind – Your insurance policy’s liability coverage will afford coverage in the event that you are found to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap compared to comp and collision, so do not cut corners here.

Take policy discounts and save on Mercedes-Benz C350 insurance in El Paso

Auto insurance companies don’t always list all possible discounts in a way that’s easy to find, so we researched both the well known and the more hidden credits that may apply to you.

• 55 and Retired – Seniors are able to get lower premium rates.
• Professional Memberships – Participating in a civic or occupational organization in El Paso is a simple method to lower premiums on auto insurance.
• Discount for Life Insurance – Larger insurance carriers have a discount if you purchase some life insurance in addition to your auto policy.
• More Vehicles More Savings – Insuring multiple vehicles on the same auto insurance policy can get a discount on all vehicles.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• One Accident Forgiven – Not really a discount, but companies like GEICO, Allstate and Liberty Mutual permit an accident before hitting you with a surcharge if you have no claims for a specific time period.
• Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
• Telematics Data Discounts – People who choose to allow data collection to scrutinize when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive might get better premium rates if they are good drivers.
• Discount for Low Mileage – Low annual miles could be rewarded with cheaper auto insurance rates.
• Safe Driver Discounts – Insureds who avoid accidents can save as much as half off their rates than less cautious drivers.

You should keep in mind that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, companies don’t profit that way.

The diagram below shows the comparison of Mercedes-Benz C350 insurance rates with and without discounts applied to the premium. The premiums assume a male driver, no violations or accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, marriage, multi-policy, claim-free, homeowner, and multi-car discounts applied.

The best auto insurance companies and some of the discounts can be read below.

• State Farm may include discounts for student away at school, anti-theft, accident-free, good driver, multiple policy, safe vehicle, and Drive Safe & Save.
• Farmers Insurance includes discounts for switch companies, good student, electronic funds transfer, mature driver, homeowner, and alternative fuel.
• GEICO has discounts for defensive driver, five-year accident-free, membership and employees, anti-lock brakes, driver training, and air bags.
• American Family policyholders can earn discounts including multi-vehicle, accident-free, defensive driver, good student, and mySafetyValet.
• Nationwide offers discounts including business or organization, multi-policy, Farm Bureau membership, easy pay, and family plan.
• Progressive may offer discounts for good student, multi-vehicle, online quote discount, online signing, and multi-policy.

If you want the cheapest Mercedes-Benz C350 rate quotes, ask all the companies how you can save money. Some of the discounts discussed earlier might not be offered on policies in El Paso. To see auto insurance companies who offer cheap Mercedes-Benz C350 insurance quotes in El Paso, click here to view.

Get rate quotes but buy from a local El Paso insurance agent

A lot of people just want to get advice from a local agent and doing so can bring peace of mind One of the great benefits of getting online price quotes is you may find cheaper car insurance rates and still buy from a local agent. Buying from and supporting small agencies is definitely important in El Paso.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is submitted to local insurance agents in El Paso who will give you bids for your coverage. You won’t need to even leave your home since price quotes are sent immediately to you. You can most likely find cheaper rates AND an agent nearby. In the event you want to get a price quote from a specific insurance provider, feel free to navigate to their website and fill out the quote form the provide.

Shown below is a short list of insurers in El Paso that may be willing to give price quote information for Mercedes-Benz C350 insurance in El Paso.

View more agents

Picking the best provider needs to be determined by more than just the bottom line cost. The questions below may impact your decision as well.

• Do they feel the quoted coverages are adequate?
• Does the agency have a current Errors and Omissions policy?
• Will a damage claim use OEM or aftermarket replacement parts?
• Is coverage determined by price?
• Does the agency support the community they serve?
• Does the company have a solid financial rating?

Which auto insurance company is best in Texas?

Finding the best auto insurance provider can be a challenge considering how many companies sell coverage in El Paso. The company rank data in the next section may help you analyze which companies you want to consider to insure your vehicles.

Top 10 El Paso Car Insurance Companies Ranked by Claims Service

1. Travelers
2. Nationwide
3. Allstate
4. State Farm
5. Liberty Mutual
6. GEICO
7. American Family
8. Esurance
9. Titan Insurance
10. AAA Insurance

Top 10 El Paso Car Insurance Companies Overall

1. Travelers
2. USAA
3. Mercury Insurance
4. AAA Insurance
5. Nationwide
6. Allstate
7. State Farm
8. The Hartford
9. Safeco Insurance
10. Progressive

In conclusion

When getting El Paso auto insurance quotes online, never sacrifice coverage to reduce premiums. Too many times, an insured cut full coverage only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

The cheapest Mercedes-Benz C350 insurance in El Paso can be found online and from local agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers don’t offer rate quotes online and these regional carriers provide coverage only through independent insurance agents.

Additional articles

• Car Insurance FAQ (Trusted Choice)
• Where can I buy Insurance? (Insurance Information Institute)
• Auto Insurance Facts and Statistics (Insurance Information Institute)
• All About Airbag Safety (State Farm)
• Property Damage Coverage (Liberty Mutual)