How long has it been since you compared more affordable Mercedes-Benz C350 insurance in San Francisco? Sick and tired of sacrificing to pay your insurance bill each month? You’re in the same situation as many other California drivers.
Smart shoppers know that car insurance companies don’t want their policyholders to compare prices. Drivers who rate shop once a year are highly likely to buy a different policy because there is a good chance of finding lower rate quotes. A recent insurance study discovered that people who routinely shopped for cheaper coverage saved about $865 annually as compared to drivers who never compared other company’s rates.
If finding discount rates on auto insurance is why you’re here, then having some knowledge of the best way to shop and compare insurance can help you be more efficient.
Steps to finding more affordable Mercedes-Benz C350 insurance in San Francisco
If your goal is the lowest price, then the best way to get the cheapest Mercedes-Benz C350 insurance is to compare quotes annually from insurance carriers who provide car insurance in San Francisco.
- Take a few minutes and learn about how insurance companies determine prices and the steps you can take to prevent high rates. Many rating criteria that are responsible for high rates such as at-fault accidents and a bad credit rating can be controlled by improving your driving habits or financial responsibility.
- Compare price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from a single company like GEICO or State Farm, while independent agencies can quote prices for a wide range of companies.
- Compare the quotes to the premium of your current policy to see if you can save by switching companies. If you can save money and buy the policy, make sure there is no lapse in coverage.
- Tell your current agent or company of your decision to cancel your existing policy. Submit a completed application and payment for your new policy. Once received, keep your new proof of insurance paperwork in your vehicle’s glove compartment or console.
One key aspect of rate comparisons is to compare the same amount of coverage on each quote and and to look at as many auto insurance providers as possible. This ensures the most accurate price comparison and the best rate selection.
Due to the increasing number of insurance providers from which to choose, it’s nearly impossible to choose the most affordable insurance provider.
Cheaper rates with these price cutting discounts
Auto insurance is expensive, but you may be missing some discounts that you may not even know about. Certain reductions will be credited at quote time, but some discounts are required to be inquired about prior to getting the savings.
- Own a Home and Save – Simply owning a home can help you save on auto insurance because owning a home requires a higher level of personal finance.
- Passive Restraint Discount – Factory options such as air bags or automatic seat belts may get savings of more than 20%.
- Low Mileage – Low annual miles can qualify you for lower premium rates due to less chance of an accident.
- Military Discounts – Having a family member in the military could be rewarded with lower rates.
- Anti-lock Brake Discount – Cars with ABS and/or traction control are safer to drive so you can save 10 percent or more.
- Discounts for Government Workers – Simply working for the federal government may qualify for a discount when you quote San Francisco auto insurance with a few auto insurance companies.
- New Vehicle Savings – Putting insurance on a new C350 can cost up to 25% less because new model year vehicles keep occupants safer.
Discounts lower rates, but most discounts do not apply to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way. But all discounts will lower the premium cost.
The chart below shows the difference between Mercedes-Benz C350 insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, homeowner, marriage, multi-policy, multi-car, and safe-driver discounts applied.
Popular auto insurance companies and some of the discounts are outlined below.
- 21st Century offers discounts for homeowners, automatic seat belts, anti-lock brakes, teen driver, and theft prevention.
- State Farm may offer discounts for driver’s education, multiple policy, anti-theft, good student, good driver, and Steer Clear safe driver discount.
- AAA may have discounts that include multi-car, pay-in-full, anti-theft, good student, education and occupation, and good driver.
- Liberty Mutual offers discounts including new move discount, exclusive group savings, new graduate, multi-car, newly married, safety features, and multi-policy.
- Progressive may include discounts for online quote discount, continuous coverage, homeowner, multi-policy, online signing, and good student.
Before you buy a policy, ask all companies you are considering what discounts are available to you. All car insurance discounts might not be available to policyholders in San Francisco.
How to get free Mercedes-Benz C350 insurance quotes online
Lowering your Mercedes-Benz C350 insurance rates is not a difficult process. You just have to invest a few minutes comparing price quotes to find out which insurance company has the cheapest Mercedes-Benz C350 rate quotes.
Doing online rate quotes comparisons is so easy that it makes it a waste of time to call or drive to different San Francisco agent offices. Comparing online rate quotes has reduced the need for local agents unless you prefer the extra assistance that only an agent can give. Some companies do allow you to compare online quotes but have a local agent actually write the policy.
The companies shown below can provide quotes in California. If the list has multiple companies, we recommend you compare several of them in order to get a fair rate comparison.
Mercedes-Benz C350 detailed coverage information
The premium information displayed next outlines a range of insurance prices for Mercedes-Benz C350 models. Being more informed about how insurance quotes are determined can benefit drivers when making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $368 | $774 | $416 | $24 | $124 | $1,706 | $142 |
| Get Your Own Custom Quote Go | |||||||
Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Rates do not factor in the specific area where the vehicle is garaged which can revise price quotes greatly.
Deductible analysis
When comparing insurance rates, the most common question is how high should your deductibles be. The data tables below can help you visualize the difference in cost of buying low and high insurance deductibles. The first price estimate table uses a $100 deductible and the second rate chart uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $478 | $932 | $442 | $26 | $132 | $2,035 | $170 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in your specific San Francisco location which can increase or decrease rates considerably.
Based on the above data, using a $100 deductible will cost you roughly $57 more each month or $684 every year averaged for all C350 models than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you usually have at least 16 months between claim filings, you would save more money going with the higher deductible.
Comparison of insurance rates by age and gender
The information below compares Mercedes-Benz C350 insurance costs for male and female drivers. The costs are based on no claims or driving violations, full physical damage coverage, $250 deductibles, drivers are not married, and no discounts are factored in.
Why You Might Pay Inflated Rates in San Francisco
A large part of saving on auto insurance is knowing a few of the rating criteria that go into determining auto insurance rates. If you have a feel for what determines premiums, this enables you to make decisions that could help you find much lower annual insurance costs.
Shown below are most of the major factors used by your company to calculate your rate level.
When should you not file a auto insurance claims? – Auto insurance companies in California give most affordable rates to drivers who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Your car insurance is designed for the large, substantial claims.
Pay more of a claim out-of-pocket – The deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Protection for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, vandalism, and damage caused by road hazards. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be.
Being married can lower costs – Having a significant other can actually save you money when shopping for auto insurance. Marriage demonstrates that you tend to be more mature and insurance companies reward insureds because married drivers tend to file fewer claims.
Vehicles with better crash test results cost less to insure – Safe vehicles can get you lower premiums. Vehicles built for safety protect occupants better and lower injury rates means less claims paid and cheaper rates on your policy.
Bundle policies to earn discounts – Many insurers afford discounts to insureds who buy several policies from them. It’s known as a multi-policy discount. This can amount to ten percent or more. Even if you qualify for this discount already, drivers will still want to compare other San Francisco C350 insurance rates to verify if the discount is saving money. Drivers may still find better rates by buying from different companies
Add-on coverages can cost a lot – There are a ton of extra bells and whistles that you can buy if you don’t pay attention. Insurance for personal injury protection, accidental death, and motor club memberships are examples of these. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them and pocket the money.
GPS tracking and theft deterrents lowers rates – Choosing to buy a car with a theft deterrent system can save you some money. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart auto theft and help lower rates.
Rate your vehicle for proper use – The more miles you rack up on your Mercedes-Benz annually the higher your rates will be. Many insurance companies rate vehicles based upon how the vehicle is primarily used. Cars and trucks not used for work or commuting cost less to insure than cars that get driven a lot. It’s always a good idea to double check that your vehicle rating reflects annual mileage. Improper usage on your C350 is just wasting money.
Do I need special coverages?
When buying the right insurance coverage, there is no “perfect” insurance plan. You are unique.
For instance, these questions may help you determine if your insurance needs will benefit from professional help.
- What is covered by UM/UIM coverage?
- When does my teenage driver need to be added to my policy?
- What is high-risk coverage and where do I buy it?
- Is my business laptop covered if it gets stolen from my vehicle?
- Can I get a multi-policy discount?
- Will I be non-renewed for getting a DUI or other conviction?
- What companies insure drivers after a DUI or DWI?
- Do I need special coverage while pulling a rented trailer?
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Local agents and auto insurance
A lot of people would prefer to buy from a licensed agent and that is OK! Most agents are very good at helping people manage risk and help submit paperwork. A good thing about getting online price quotes is you can get lower rates and still have a local agent.
To make it easy to find an agent, after completing this simple form, the coverage information is transmitted to local insurance agents in San Francisco who will gladly provide quotes for your business. It’s much easier because you don’t need to contact any agents as quotes are delivered directly to you. If you want to compare rates from a particular provider, don’t hesitate to visit that company’s website and fill out the quote form the provide.
Finding the right insurer shouldn’t rely on just the premium amount. Here are some questions to ask:
- How experienced are they in personal risk management?
- Which insurance company do they prefer to write with?
- Will their companies depreciate repairs to your car based on the mileage?
- Did they already check your driving record and credit reports?
- What discounts might you be missing?
- How much will you save each year by using a higher deductible?
- Are claim adjusters local or do you have to take your car somewhere else?
- Do they assist clients in filing claims?
When researching a reputable agency, it can be helpful to understand the types of agencies and how they differ in how they can insure your vehicles. Auto insurance policy providers may be either independent or exclusive. Either can do a good job, but it’s important to know how they differ because it can influence the selection process.
Exclusive Insurance Agencies
Agents that choose to be exclusive normally can only provide a single company’s rates and examples are State Farm, AAA, and Liberty Mutual. Exclusive agents cannot place coverage with different providers so always compare other rates. They are well trained on their products and sales techniques and that enables them to sell even at higher rates.
The following is a short list of exclusive insurance agents in San Francisco who may provide you with comparison quotes.
Fillia Fransisca – State Farm Insurance Agent
2315 Noriega St – San Francisco, CA 94122 – (415) 661-3726 – View Map
Adrienne Ng – State Farm Insurance Agent
425 Market St #2252 – San Francisco, CA 94105 – (415) 292-8088 – View Map
Farmers Insurance – Elbert Taylor
386 29th St – San Francisco, CA 94131 – (415) 285-4800 – View Map
Independent Auto Insurance Agents
Agents of this type do not work for one specific company so they can write business through lots of different companies and find the cheapest auto insurance rates. If your agent finds better pricing, they simply move the coverage in-house and you can keep the same agent. When comparison shopping, you need to get insurance quotes from independent agents so that you have a good selection of quotes to compare.
Below are San Francisco independent agencies that are able to give comparison quotes.
United General Insurance Agency
3150 California St Ste 4A – San Francisco, CA 94115 – (415) 922-7283 – View Map
Jessica Liu Insurance Services
3428 Balboa St – San Francisco, CA 94121 – (415) 386-2283 – View Map
April Insurance Agency
1788 19th Ave – San Francisco, CA 94122 – (415) 242-8100 – View Map
Car insurance in California serves several purposes
Even though it’s not necessarily cheap to insure a Mercedes-Benz in San Francisco, car insurance may be required and benefits you in several ways.
- Just about all states have minimum liability requirements which means the state requires a minimum amount of liability insurance in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your Mercedes-Benz, most banks will make it a condition of the loan that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Mercedes-Benz at a more expensive rate and require you to fork over the higher premium.
- Car insurance protects both your assets and your Mercedes-Benz. It will also cover medical expenses for not only you but also any passengers injured in an accident. Liability coverage also covers legal expenses if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will cover the repair costs.
The benefits of buying car insurance are without a doubt worth the cost, particularly if you ever have a claim. In a recent study of 1,000 drivers, the average customer is overpaying over $865 each year so compare rate quotes every year to ensure rates are competitive.
Don’t give up on cheap premiums
Throughout this article, we presented some good ideas how you can find lower-cost Mercedes-Benz C350 insurance in San Francisco. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. You may even be surprised to find that the lowest auto insurance rates come from a smaller regional carrier.
Some insurance companies may not offer internet price quotes and these small, regional companies work with independent insurance agencies. Budget-conscious Mercedes-Benz C350 insurance can be purchased on the web as well as from independent agents in San Francisco, and you should be comparing both in order to have the best chance of saving money.
People change insurance companies for a variety of reasons including poor customer service, delays in responding to claim requests, not issuing a premium refund or lack of trust in their agent. Regardless of your reason for switching companies, finding a new company is not as difficult as it may seem.
How to find affordable Mercedes-Benz C350 insurance in San Francisco
The best way we recommend to get discount car insurance rates in San Francisco is to do an annual price comparison from insurers who sell insurance in California. Price quotes can be compared by following these guidelines.
First, try to learn a little about what is in your policy and the measures you can control to prevent expensive coverage. Many rating factors that cause high rates such as speeding and a negative credit rating can be rectified by making minor changes in your lifestyle.
Second, compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide rate quotes from many different companies.
Third, compare the price quotes to your current policy premium and see if you can save money. If you can save some money and decide to switch, make sure there is no lapse in coverage.
A crucial key to this process is to compare similar deductibles and liability limits on every quote request and and to get price quotes from as many companies as feasibly possible. Doing this enables a fair rate comparison and maximum price selection.
Much more information about car insurance in California can be found on the following sites:
- Insuring a Leased Car (Insurance Information Institute)
- What Insurance is Cheapest for a Dodge Ram in San Francisco? (FAQ)
- Who Has Cheap Auto Insurance for Business Use in San Francisco? (FAQ)
- Who Has Cheap San Francisco Auto Insurance Quotes for a School Permit? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Things to Know Before you Cancel Insurance (Allstate)