Are you looking for a better way to compare lower-priced Mercedes-Benz C350 insurance in Phoenix? Nobody that owns a car enjoys paying for car insurance, in particular when they could find better prices if they shop around.
It’s shocking but most Arizona car insurance customers have stayed with the same insurance company for more than four years, and almost half have never quoted rates to find cheaper coverage. With the average premium in the United States being $1,847, drivers could cut their rates by nearly 47% a year, but they don’t understand how simple it is to find cheaper rates by getting comparison quotes.
Big-name insurance companies like State Farm, GEICO and Farmers Insurance all promote huge savings with fancy advertisements and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.
If you have insurance now, you will surely be able to find the best rates using these methods. Finding the cheapest auto insurance coverage in Phoenix can be made easier if you know where to look. But Arizona drivers do need to learn how big insurance companies set your policy premium and take advantage of how the system works.
When comparing insurance rates, know that comparing all the rates in your area will increase your chances of finding the best price. Some smaller insurers do not give Phoenix C350 insurance quotes over the internet, so you also need to get quotes from them, too.
The following companies are our best choices to provide free rate quotes in Phoenix, AZ. If more than one company is shown, we suggest you visit as many as you can in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C350 W 4-Dr Sedan||$254||$538||$288||$18||$86||$1,184||$99|
|Get Your Own Custom Quote Go|
Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific zip code location which can alter prices considerably.
Mercedes-Benz C350 insurance rates by age and gender
The information below shows the difference between Mercedes-Benz C350 insurance prices for male and female drivers. The data assumes no claims or violations, comprehensive and collision coverage, $250 deductibles, single marital status, and no other discounts are factored in.
Auto insurance does more than just protect your car
Even though Phoenix C350 insurance rates can get expensive, auto insurance is most likely required but also gives you several important benefits.
- Just about all states have minimum mandated liability insurance limits which means the state requires specific limits of liability if you don’t want to risk a ticket. 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 you bought your Mercedes-Benz with a loan, it’s guaranteed your bank will make it mandatory that you have insurance to ensure loan repayment if the vehicle is totalled. If the policy lapses, the bank may insure your Mercedes-Benz at a much higher rate and force you to pay much more than you were paying before.
- Auto insurance protects both your Mercedes-Benz C350 and your assets. It will also pay for medical transport and hospital expenses that are the result of an accident. Liability coverage will also pay to defend you if you are sued as the result of your driving. If mother nature or an accident damages your car, comprehensive and/or collision insurance will pay to repair the damage minus the deductible amount.
The benefits of buying enough insurance definitely exceed the cost, especially when you need to use it. But the average American driver is overpaying over $869 every year so smart consumers compare quotes at least once a year to ensure rates are competitive.
Get cheaper Mercedes-Benz C350 insurance rates in Phoenix
Auto insurance companies don’t list all discounts very clearly, so the list below details some of the best known and the more hidden credits available to you.
- Low Mileage – Driving fewer miles could earn discounted premium rates on garaged vehicles.
- Payment Method – By paying your policy upfront as opposed to paying monthly you may have a lower total premium amount.
- Bundle and Save – If you insure your home and vehicles with one company they may give you a discount of 10% to 20% off each policy.
- Early Switch Discount – Some larger companies reward drivers for switching companies early. It could save around 10% when you buy Phoenix car insurance online.
- Membership in Organizations – Having an affiliation with certain professional organizations could earn you a nice discount on your next renewal.
- Save with a New Car – Buying a new car model can get you a discount because new vehicles have to meet stringent safety requirements.
- Sign Online – Some of the larger companies will give a small break get Phoenix car insurance on their website.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more than drivers with accident claims.
As is typical with insurance, most discounts do not apply to the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though you would think it’s possible to get free car insurance, that’s just not realistic.
A few popular companies and their possible discounts are included below.
- Progressive may include discounts for multi-vehicle, online quote discount, multi-policy, online signing, good student, continuous coverage, and homeowner.
- AAA has savings for multi-car, good student, AAA membership discount, education and occupation, and anti-theft.
- Farmers Insurance policyholders can earn discounts including distant student, bundle discounts, pay in full, alternative fuel, and multi-car.
- GEICO offers discounts including membership and employees, multi-vehicle, emergency military deployment, air bags, daytime running lights, anti-theft, and defensive driver.
- Esurance offers discounts for good driver, multi-policy, online shopper, good student, safety device, and renters.
- SAFECO offers premium reductions for teen safety rewards, anti-lock brakes, drive less, safe driver, teen safe driver, and bundle discounts.
- State Farm may have discounts that include student away at school, multiple autos, multiple policy, Steer Clear safe driver discount, driver’s education, safe vehicle, and accident-free.
When getting free Phoenix car insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. All car insurance discounts may not be available in Phoenix. To view providers with significant discounts in Arizona, follow this link.
Local Phoenix insurance agents
Many people would rather have an agent’s advice and that is a smart decision One of the best bonuses of price shopping on the web is that drivers can save money and get cheap car insurance quotes but still work with a licensed agent.
Upon completion of this form (opens in new window), the coverage information is emailed to companies in Phoenix who will give you quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to find an agent due to the fact that quote results will go immediately to your email address. You can get cheaper car insurance rates without requiring a lot of work. If you have a need to compare rates from a particular provider, just visit that company’s website and give them your coverage information.
Finding the right provider should depend on more than just a cheap price quote. Here are some questions you might want to ask.
- Does the company allow you to choose your own collision repair facility?
- Does their agency support local causes in Phoenix?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Is there a 24/7 contact number?
- Do they have cheaper tiers of coverage?
- Does the agency have a positive business rating?
- Are they able to provide referrals?
If you want to use a local agent, there are two different types of agents from which to choose. Car insurance agents can be described as either exclusive agents or independent agents.
Exclusive Car Insurance Agents
Exclusive agents work for only one company like Allstate and State Farm. They usually cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive insurance agents are usually well trained on their company’s products which can be an advantage.
The following are Phoenix exclusive agencies who may provide you with rate quotes.
Llyrena Sherwood – State Farm Insurance Agent
3415 W Glendale Ave #7 – Phoenix, AZ 85051 – (602) 368-9102 – View Map
Independent Insurance Agents
Independent insurance agents can quote rates with many companies so they can write business with a variety of different insurance companies and find you cheaper rates. If you want to switch companies, the agent simply finds a different carrier which makes it simple for you. When comparing car insurance rates, you should always compare quotes from several independent agencies to have the best price comparison.
Shown below are Phoenix independent agencies that can give you rate quotes.
When in doubt talk to an agent
Keep in mind that when it comes to choosing a policy, there is no cookie cutter policy. Your situation is unique.
These are some specific questions may help you determine if you could use an agent’s help.
- Is a blown tire covered by insurance?
- What is GAP insurance?
- Do I need replacement cost coverage on my Mercedes-Benz C350?
- Do I have ACV or replacement cost coverage?
- Should I rate my Mercedes-Benz C350 as pleasure use or commute?
- How high should my medical payments coverage be?
- Do I have coverage if my license is suspended?
- Does low annual mileage earn a discount?
If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.
What auto insurance coverages do you need?
Having a good grasp of your policy can help you determine which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.
Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people only purchase the least amount of liability that is required (15/30/10 in Arizona), it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.
Coverage for liability – Liability insurance will cover damage that occurs to other people or property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 15/30/10 which stand for a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $10,000 of coverage for damaged property.
Liability coverage protects against things like court costs, medical services, pain and suffering and attorney fees. How much coverage you buy is a personal decision, but buy as much as you can afford. Arizona state minimum liability requirements are 15/30/10 but drivers should carry better liability coverage.
Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as pain medications, rehabilitation expenses, nursing services and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible
Collision – Collision coverage pays for damage to your C350 from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as colliding with a tree, sustaining damage from a pot hole, colliding with another moving vehicle, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible on your C350 to bring the cost down.
Comprehensive (Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things like hitting a deer, damage from a tornado or hurricane, damage from flooding and vandalism. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Don’t give up on cheap coverage
Drivers leave their current company for a variety of reasons including denial of a claim, high rates after DUI convictions, policy non-renewal or unfair underwriting practices. It doesn’t matter why you want to switch switching companies is pretty easy and you might even save some money in the process.
When getting Phoenix car insurance quotes online, make sure you don’t skimp on coverage in order to save money. There have been many cases where consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.
We just showed you many tips how you can compare Mercedes-Benz C350 insurance premium rates in Phoenix. The key thing to remember is the more providers you compare, the better chance you’ll have of finding the cheapest Mercedes-Benz C350 rate quotes. You may even discover the lowest premium rates come from a smaller regional carrier.
More tips and info about auto insurance is available by following these links:
- Vehicle Insurance (Wikipedia)
- Who Has the Cheapest Auto Insurance Quotes for High Risk Drivers in Phoenix? (FAQ)
- Who Has Affordable Phoenix Auto Insurance for State Employees? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)
- Auto Insurance FAQ (Farmers Insurance)