Best Mercedes-Benz C350 Insurance in Sacramento

The most effective way to get cheaper Mercedes-Benz C350 insurance in Sacramento is to start comparing prices regularly from different companies in California. Prices can be compared by following these guidelines.

1. Read about the coverage provided by your policy and the measures you can control to lower rates. Many rating criteria that result in higher rates like traffic citations and a not-so-good credit history can be remedied by making lifestyle changes or driving safer. This article provides additional tips to help reduce premium rates and find overlooked discounts.
2. Compare prices from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while independent agents can provide rate quotes from multiple companies.
3. Compare the price quotes to your existing policy to see if a cheaper rate is available. If you find a lower rate quote and change companies, make sure coverage does not lapse between policies.
4. Provide adequate notice to your current company of your decision to cancel your current car insurance policy. Submit a completed application and payment for your new coverage. Immediately upon receiving it, keep your new proof of insurance paperwork with your vehicle’s registration.

One tip to remember is that you use the same coverage limits and deductibles on every quote request and and to get price estimates from as many different insurance providers as possible. This helps ensure the most accurate price comparison and a good representation of prices.

We don’t have to point out that fact that auto insurance companies don’t want policyholders to shop around. Insureds who shop around for cheaper rates will most likely switch to a new company because there is a high probability of finding a lower-priced company. A study showed that drivers who regularly compared price quotes saved as much as $865 a year compared to policyholders who never shopped around.

If finding budget-friendly rates on insurance is the reason you’re reading this, learning how to shop and compare insurance can save money and time.

Car insurance providers offering competitive rate quotes in California

The providers in the list below are our best choices to provide price comparisons in Sacramento, CA. To find the cheapest auto insurance in CA, we recommend you compare several of them to get the best price comparison.

Data for Mercedes-Benz C350 insurance

The price information below covers a range of rate quotes for Mercedes-Benz C350 models. Having a good understanding how auto insurance premiums are calculated can help you make decisions on the best policy to buy.

Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Estimates do not factor in your specific Sacramento location which can influence premiums significantly.

Insurance deductibles

When buying insurance, a common question is how high should the physical damage coverage deductibles be. The tables below summarize how much more rates are when you buy lower versus higher deductibles. The first rate quote example uses a $250 comprehensive and collision deductible and the second data table uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in specific location which can lower or raise coverage prices significantly.

Based on the figures above, using a $250 deductible would cost the average driver about $21 more each month or $252 each year than choosing the higher $500 deductible. Because you would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you normally go at least 12 months between claims, you would most likely save money by selecting a higher deductible. The numbers below show the way you can decide this on your own policy.

The information below highlights how deductible selection and can increase or decrease Mercedes-Benz C350 insurance costs for each different age category. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Impact of citations and accidents on Sacramento insurance rates

The chart below demonstrates how citations and at-fault claims can affect Mercedes-Benz C350 auto insurance rates for each different age group. The rate quotes are based on a married female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

Cost comparison with and without full coverage

The example below illustrates the difference between Mercedes-Benz C350 auto insurance rates with full coverage and liability only. The prices are based on a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are taken into consideration.

When to drop comprehensive and collision coverage

There is no set rule for dropping physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.

For example, let’s pretend your Mercedes-Benz C350 book value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $3,000 after paying your deductible. If it’s costing in excess of $300 annually to have full coverage, the it may be a good time to stop paying for full coverage.

There are some conditions where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

Get discounts on Sacramento insurance

Some insurance providers don’t list every policy discount in a way that’s easy to find, so the below list has some of the more common and also the lesser-known discounts that may be available.

• New Vehicle Savings – Buying a new car instead of a used C350 can save you some money because new model year vehicles have to meet stringent safety requirements.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will qualify for a discount on a Sacramento auto insurance quote.
• Accident Forgiveness – Not a discount per se, but some insurance companies permit an accident before they charge you more for coverage if you have no claims before the accident.
• Active Service Discounts – Having a deployed family member could be rewarded with lower premium rates.
• Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote Sacramento auto insurance depending on your company.
• Early Switch Discount – A few insurance companies offer discounts for buying a new policy before your current coverage expires. It’s a savings of about 10%.
• Save over 55 – Seniors may qualify for lower premium rates.
• Seat Belt Discounts – Drivers who require all occupants to use their safety belts could cut 10% or more off the medical payments premium.
• Bundled Policy Discount – When you combine your home and auto insurance with the same company you may earn up to 20% and get you affordable Mercedes-Benz C350 insurance rates in Sacramento.
• Anti-lock Brake System – Cars equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

Policy discounts save money, but many deductions do not apply to the whole policy. Most only apply to individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

The chart below visualizes the comparison of Mercedes-Benz C350 insurance rates with and without policy discounts. The premiums are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-car, homeowner, safe-driver, multi-policy, and claim-free discounts applied.

Some of the insurance companies who may offer most of the discounts above include:

• Farmers Insurance
• Esurance
• State Farm
• GEICO
• Allstate

Before you buy a policy, ask every insurance company which discounts can lower your rates. Some discounts might not apply in Sacramento. For a list of insurers that offer some of these discounts in California, click here to view.

How do Car Insurance Companies Determine Mercedes-Benz C350 Insurance Rates?

Consumers need to have an understanding of some of the elements that help determine your auto insurance rates. If you have some idea of what influences your rates, this helps enable you to make changes that can earn you lower premium levels.

• Safer cars cost less to insure – Cars with high safety ratings cost less to insure. These vehicles help reduce the chance of injuries in an accident and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums.
• Policy add-ons may not be needed – Policies have additional extra coverages that may not really be needed if you don’t pay attention. Insurance for personal injury protection, high-cost glass coverage, and membership fees may not be needed and are just wasting money. They may seem like a good idea when deciding what coverages you need, but your needs may have changed so remove them from your policy.
• Your car’s features help determine auto insurance rates – Driving a car with advanced anti-theft systems can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.

• Gender and auto insurance premiums – Over time, data shows that men are more aggressive behind the wheel. However, don’t assume that males are worse at driving than females. Females and males cause at-fault accidents in similar percentages, but men tend to have higher claims. They also get cited for more serious violations like reckless driving and DUI.

  The illustration below shows the comparison of Mercedes-Benz C350 insurance prices for male and female drivers. The data assumes a clean driving record, no claims, comp and collision included, $1,000 deductibles, single marital status, and no discounts are factored in.

How much auto insurance do I need?

Always remember that when buying insurance from an agent or online, there isn’t really a single plan that fits everyone. Every situation is different and your auto insurance should be unique as well.
For instance, these questions can aid in determining whether your personal situation might need professional guidance.

• Is my custom stereo system covered?
• Is upholstery damage covered by car insurance?
• Are my tools covered if they get stolen from my vehicle?
• Is business property covered if stolen from my car?
• What is an SR-22 filing?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Which companies will insure high-risk drivers?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

When should I have guidance from an insurance agent?

A lot of people just want to sit down with an agent and that can be a smart move An additional benefit of getting free rate quotes online is you may find cheap auto insurance rates and still have a local agent.

To find an agent, once you fill out this form (opens in new window), your insurance coverage information is submitted to insurance agents in Sacramento that give free quotes for your insurance coverage. You won’t need to contact an agency since rate quotes are delivered immediately to you. You’ll get the best rates AND a local agent. If for some reason you want to get a rate quote from a specific auto insurance provider, don’t hesitate to navigate to their website to submit a rate quote request.

Finding a good provider requires more thought than just the bottom line cost. Any agent in Sacramento should be willing to answer these questions.

• Can they give you a list of client referrals?
• Is the agent CPCU or CIC certified?
• What insurance company do they write the most business with?
• Does the company allow you to choose your own collision repair facility?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• Where would your vehicle be repaired?

Pick the best auto insurance agent in Sacramento for you

When looking for a local insurance agency, it’s helpful to know the different agency structures and how they can write your policy. Auto insurance agencies can be categorized as either exclusive agents or independent agents.

Exclusive Auto Insurance Agencies

Agents of this type can only provide one company’s prices and examples are Farmers Insurance, State Farm, Allstate, and AAA. They are unable to provide rate quotes from other companies so if the price isn’t competitive there isn’t much they can do. They are well trained on the products they sell and that allows them to sell at a higher price point. Consumers frequently buy from exclusive agents primarily because of the brand legacy and solid financial strength.

Shown below is a list of exclusive agencies in Sacramento that can give you rate quotes.

• Ken Perry – State Farm Insurance Agent
  2724 24th St #200 – Sacramento, CA 95818 – (916) 452-6668 – View Map
• GEICO Insurance Agent
  5211 Madison Ave – Sacramento, CA 95841 – (916) 923-5050 – View Map
• Trevor Fong – State Farm Insurance Agent
  7485 Rush River Dr #715 – Sacramento, CA 95831 – (916) 392-1240 – View Map

View more Sacramento agents

Independent Agencies or Brokers

These agents do not work for one specific company so they can quote policies through many companies and find you cheaper rates. If they quote lower rates, your policy is moved internally and you don’t have to do anything. If you are comparing auto insurance prices, you will definitely want to get quotes from a couple of independent agencies in order to have the best price comparison. Most have the option of insuring with companies you’ve never heard of which can save you money.

The following is a list of independent agents in Sacramento that can give you rate quotes.

• Melissa Saites Nelson Insurance Agency, Inc.
  4749 J St – Sacramento, CA 95819 – (916) 531-6061 – View Map
• Apna Insurance Agency
  3022 Stockton Blvd #5 – Sacramento, CA 95820 – (916) 454-4495 – View Map
• Foster and Parker Insurance Agency
  2020 Hurley Way – Sacramento, CA 95825 – (916) 481-0689 – View Map

View more Sacramento agents

Cheap car insurance rates are out there

We just covered a lot of information how to find affordable Mercedes-Benz C350 insurance in Sacramento. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with the smaller companies. Some small companies may have significantly lower rates on certain market segments than their larger competitors like Progressive or GEICO.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There have been many situations where an insured cut comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.

More tips and info about car insurance is available in these articles:

• Preventing Carjacking and Theft (Insurance Information Institute)
• Who Has Affordable Sacramento Auto Insurance Rates for Teenagers? (FAQ)
• Auto Insurance Basics (Insurance Information Institute)
• Anti-Lock Brake FAQ (iihs.org)
• Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)