Searching for cheaper insurance for your Mercedes-Benz C350 in Arizona can turn out to be difficult, but you can learn the following methods and make it easy. There are both good and bad ways to shop for insurance so we’re going to tell you the quickest way to quote coverages on a Mercedes-Benz and find the lowest possible price either online or from Mesa insurance agents.
The easiest way to compare car insurance rates for Mercedes-Benz C350 insurance in Mesa utilizes the fact most larger insurance companies have advanced systems to provide you with free rate quotes. The only thing you need to do is give the companies some data including how much you drive, level of coverage desired, your job, and if it has an anti-theft system. That rating information is automatically sent to multiple top-rated companies and you will receive price estimates instantly.
To find lower affordable Mercedes-Benz C350 insurance rates now, click here and complete the form.
The companies in the list below can provide free rate quotes in Arizona. To find the best auto insurance in Arizona, we recommend you click on several of them in order to get a fair rate comparison.
Car insurance data for a Mercedes-Benz C350
The table shown below outlines different insurance rates for Mercedes-Benz C350 models. Learning how insurance premiums are determined helps drivers make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $262 | $526 | $404 | $24 | $122 | $1,338 | $112 |
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Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can modify coverage rates greatly.
Car insurance deductibles
One of the most common car insurance questions is where should you set your physical damage deductibles. The premium rates below may help to illustrate how much more rates are when you buy lower versus higher physical damage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second set of rates uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $292 | $530 | $300 | $18 | $90 | $1,255 | $105 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $180 | $334 | $300 | $18 | $90 | $922 | $77 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Prices do not factor in specific location which can impact prices noticeably.
Based on this data, using a $250 deductible costs about $28 more each month or $336 for a full year than selecting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 27 months between claims, you would come out ahead if you elect the higher deductible. The numbers below show how this decision is made.
| Average monthly premium for $250 deductibles: | $105 |
| Average monthly premium for $1,000 deductibles (subtract): | – $77 |
| Monthly savings from raising deductible: | $28 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $28 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 27 months |
Does full coverage make sense?
The diagram below illustrates the comparison of Mercedes-Benz C350 car insurance costs with full physical damage coverage and with liability coverage only. The costs are based on no accidents, no driving violations, $250 deductibles, drivers are not married, and no other discounts are factored in.
Guidelines for dropping full coverage
There is no exact rule of when to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Mercedes-Benz C350 replacement cost is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $7,000 after paying your deductible. If premium cost is more than $700 a year for physical damage coverage, then you may need to consider dropping full coverage.
There are some scenarios where dropping full coverage is not advised. If you still have a loan on your vehicle, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not consider dropping full coverage.
Car insurance protects more than just your car
Despite the high cost of buying insurance for a Mercedes-Benz C350 in Mesa, insurance serves several important purposes.
- Almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability if you drive a vehicle. In Arizona these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If your Mercedes-Benz has a lienholder, most banks will require that you buy insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank may insure your Mercedes-Benz for a lot more money and make you pay for the expensive policy.
- Car insurance protects both your car and your assets. It will also reimburse you for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If your Mercedes-Benz gets damaged, your car insurance policy will pay to repair the damage minus the deductible amount.
The benefits of having car insurance are without a doubt worth the cost, especially with large liability claims. The average driver in America overpays as much as $825 a year so it’s important to compare rates once a year at a minimum to save money.
How Your C350 Insurance Prices are Determined
Consumers need to have an understanding of some of the things that go into determining your car insurance rates. If you understand what impacts premium levels, this allows you to make educated decisions that will entitle you to lower car insurance prices.
The list below includes some of the factors that factor into your rates.
Liability protection is cheap – Liability insurance is the coverage that protects you if a jury decides you are liable for damages from an accident. This coverage provides legal defense starting from day one. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
Pay lower costs if you’re married – Having a spouse may earn you lower rates on your car insurance policy. Having a spouse generally demonstrates drivers are more mature and responsible and it’s statistically proven that married couples file fewer claims.
Credit history impacts premium prices – A driver’s credit score factor in determining what you pay. Therefore, if your credit history is not that good, you could pay less to insure your Mercedes-Benz C350 by spending a little time repairing your credit. Drivers who have excellent credit tend to file fewer claims and have better driving records than those with bad credit.
Add-on coverages could be costing you – There are quite a few additional coverages you can purchase but may not be useful. Add-on coverages like rental car reimbursement, towing coverage, and extra life insurance coverage are examples of these. These coverages may sound good initially, but if you don’t need them think about removing them and cutting costs.
Car insurance policy lapses raise rates – Having a gap between insurance policy dates is a quick way to increase your rates. Not only will you pay more, getting caught without coverage can result in fines or a revoked license.
Tickets and citations cost more than a fine – How you drive influences premium rates substantially. Attentive drivers have lower premiums than people who have multiple driving citations. Getting just one citation could increase your next policy renewal to the point where it’s not affordable. Drivers unfortunate enough to have flagrant violations such as DUI or reckless driving may face state-mandated requirements to maintain a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
The diagram below demonstrates how speeding tickets and accidents can influence Mercedes-Benz C350 insurance rates for each age group. The premium estimates are based on a married female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
Men tend to take more risk – The statistics show women are more cautious behind the wheel. However, this does not mean females are better at driving than males. Men and women have auto accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also tend to get ticketed for serious violations like reckless driving and DUI. Male teenagers tend to get in the most accidents so it costs more to insure them.
The information below compares Mercedes-Benz C350 auto insurance rates for male and female drivers. The prices are based on a clean driving record, no claims, full coverage, $100 deductibles, single status, and no additional discounts are factored in.
When should you not file insurance claims? – Car insurance companies in Arizona provide cheaper rates to drivers who do not rely on their insurance for small claims. If you are the type of insured that files lots of claims you can definitely plan on either higher rates or even cancellation. Insurance coverage is intended for major claims that would cause financial hardship.
Verify you’re receiving every discount
Insurance can cost an arm and a leg, but you might already qualify for some discounts that can dramatically reduce your bill. Certain credits will be shown at the time you complete a quote, but once in a while a discount must be asked for prior to getting the savings.
- Student in College – Children who attend college more than 100 miles from Mesa and leave their car at home can be insured at a reduced rate.
- Low Mileage – Driving fewer miles may allow you to get cheaper prices.
- Discounts for Good Drivers – Drivers without accidents may receive a discount up to 45% than less cautious drivers.
- Driver’s Ed – Require your teen driver to participate in a local driver’s education class if offered at their school.
- Driver Training Discounts – Taking a course that instructs on driving safety may get you a small discount and also improve your driving technique.
- Waiver for an Accident – This one is not really a discount per se, but companies like GEICO, Allstate and Liberty Mutual will allow you to have one accident without the usual rate increase if you have no claims prior to being involved in the accident.
- Savings for New Vehicles – Buying a new car instead of a used C350 can save up to 30% because new vehicles keep occupants safer.
Remember that most discount credits are not given to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though you would think all the discounts add up to a free policy, companies don’t profit that way.
The diagram below illustrates the comparison of Mercedes-Benz C350 auto insurance costs with and without discounts applied to the policy premium. The information is based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, safe-driver, multi-car, and claim-free discounts applied.
Companies that possibly offer these benefits include:
Check with every insurance company which discounts you qualify for. Discounts might not be available to policyholders in Mesa. To choose companies who offer online Mercedes-Benz C350 insurance quotes in Mesa, click this link.
When to get professional advice
Always remember that when buying a policy, there isn’t really a perfect coverage plan. Everyone’s needs are different and your auto insurance should unique, too.
These are some specific questions can aid in determining if you will benefit from professional help.
- What is no-fault insurance?
- What is an umbrella policy?
- Who does medical payments coverage extend to?
- Is my nanny covered when driving my vehicle?
- Why do I only qualify for high-risk insurance?
- How do I buy GAP insurance?
- When would I need rental car insurance?
- Is my nanny covered when transporting my kids?
- Will my insurance pay for OEM parts?
If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.
Insurance agencies near you
Some consumers still prefer to buy from a licensed agent and we recommend doing that Good insurance agents can point out coverage gaps and help submit paperwork. The best thing about comparing rates online is the fact that you can find lower rates and still have an agent to talk to.
To find an agent, once you fill out this simple form, the quote information gets sent to participating agents in Mesa who can give free rate quotes for your insurance coverage. You won’t need to visit any agencies since price quotes are sent immediately to your email address. If you have a need to compare prices from a particular provider, you would need to go to their quote page and fill out the quote form the provide.
Choosing an insurer requires you to look at more than just a cheap quote. Any agent in Mesa should be willing to answer these questions.
- Are there any extra charges for paying monthly?
- What is the financial rating for the quoted company?
- Are there any discounts that you might be missing?
- Did they already check your driving record and credit reports?
- How long has the business existed?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- Will their companies depreciate repairs to your car based on the mileage?
What types of car insurance agents are in Mesa?
When looking for a local agent, it’s helpful to know the different types of agencies and how they operate. Insurance agents can either be independent agents or exclusive agents depending on their employer. Both types of agents can write policy coverage, but it’s good to learn why they differ because it may have an impact on the type of agent you choose.
Exclusive Insurance Agents
These agents normally can only provide a single company’s rates and some examples include American Family, State Farm, and Allstate. They generally cannot compare other company’s rates so they really need to provide good service. These agents receive extensive training on sales techniques which helps them sell insurance even at higher premiums. A lot of people use the same agent partially due to loyalty to the company instead of buying on price only.
Listed below are Mesa exclusive insurance agents who can help you get rate quotes.
- Allstate Insurance: Michael Grizzle
1119 E University Dr – Mesa, AZ 85203 – (480) 834-1233 – View Map - Ed Clark – State Farm Insurance Agent
3035 S Ellsworth Rd #112 – Mesa, AZ 85212 – (480) 832-3878 – View Map - Allstate Insurance: Roger Bentley
3740 E Southern Ave Ste 201 – Mesa, AZ 85206 – (480) 830-4650 – View Map
Independent Insurance Agents
Independent agents are not employed by any specific company and that is an advantage because they can write policies through many companies enabling the ability to shop coverage around. If prices rise, they can switch companies in-house and you won’t have to switch agencies.
When comparing rate quotes, you should always compare prices from independent agents to get the best comparison. Most have the option of insuring with small regional insurance companies which can save you money.
Below is a short list of independent insurance agencies in Mesa that are able to give price quotes.
- ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400 – View Map - Diamond Insurance Agency
1933 W Main St # 5 – Mesa, AZ 85201 – (480) 668-4944 – View Map - Kohlhase Insurance
6550 E Main St – Mesa, AZ 85205 – (480) 832-8370 – View Map
Cheaper car insurance is out there
We just covered a lot of tips how to reduce Mercedes-Benz C350 insurance premium rates online in Mesa. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding low cost Mesa auto insurance quotes. You may even find the best price on car insurance is with the least-expected company. These companies often have lower prices on specific markets as compared to the big name companies such as Allstate and Progressive.
When searching for affordable Mercedes-Benz C350 insurance quotes, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage only to regret that it was a big error on their part. Your focus should be to purchase a proper amount of coverage at the best price, but do not skimp to save money.
Cheaper car insurance in Mesa can be sourced online and also from your neighborhood Mesa agents, and you should be comparing both so you have a total pricing picture. A few companies don’t offer online price quotes and many times these smaller providers sell through independent insurance agents.
Steps to saving on Mercedes-Benz C350 insurance in Mesa
If saving the most money is your goal, then the best way to get more affordable Mercedes-Benz C350 insurance is to do a yearly price comparison from different companies in Mesa. Rate comparisons can be done by completing these steps.
- Read about individual coverages and the changes you can make to prevent expensive coverage. Many policy risk factors that cause rate increases like tickets, at-fault accidents, and poor credit can be amended by improving your driving habits or financial responsibility.
- Compare prices from direct, independent, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO or Farmers Insurance, while independent agents can quote prices from multiple companies.
- Compare the price quotes to your existing policy to see if switching to a new carrier will save money. If you find better rates, make sure the effective date of the new policy is the same as the expiration date of the old one.
A tip to remember is that you’ll want to make sure you compare identical limits and deductibles on every quote request and and to compare all possible companies. Doing this ensures an accurate price comparison and a better comparison of the market.
Even more information is located by following these links:
- Where can I buy Insurance? (Insurance Information Institute)
- Who Has Cheap Mesa Auto Insurance Quotes for a Subaru Outback? (FAQ)
- Who Has Affordable Mesa Car Insurance for a Ford Escape? (FAQ)
- Who Has Affordable Mesa Car Insurance Rates for Veterans? (FAQ)
- Who Has the Cheapest Mesa Auto Insurance Quotes for High School Students? (FAQ)
- How Much are Mesa Auto Insurance Rates for Uber Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for Real Estate Agents in Mesa? (FAQ)
- Drunk Driving Statistics (Insurance Information Institute)
- Vehicle Safety Ratings (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)