Cheap Insurance for a Mercedes-Benz E350 in Sacramento

To save the most money, the best way to quote cheaper auto insurance rates in Sacramento is to compare quotes annually from companies who sell auto insurance in California.

1. Spend a few minutes and learn about how car insurance works and the steps you can take to drop your rates. Many risk factors that are responsible for high rates such as high-risk driving behaviors and a poor credit rating can be eliminated by making small lifestyle or driving habit changes. Continue reading for ideas to prevent high prices and find additional discounts.
2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like GEICO and Allstate, while independent agencies can give you price quotes for a wide range of companies.
3. Compare the quotes to your existing coverage and see if you can save money. If you find better rates and change companies, make sure there is no lapse between the expiration of your current policy and the new one.

One thing to point out is to use the same level of coverage on each quote request and and to get rate quotes from as many companies as possible. This provides an accurate price comparison and the best rate selection.

Astonishing but true, 70% of consumers have been with the same company for over three years, and almost 40% of drivers have never compared rates from other carriers. With the average premium in California being $1,387, drivers could save themselves almost $470 a year by just comparing rate quotes, but they won’t spend time to compare rates and save money.

If you have coverage now, you stand a good chance to be able to reduce the price you pay using this strategy. Locating the most cost-effective car insurance policy in Sacramento can initially seem challenging. But California vehicle owners can benefit from knowing the way companies determine prices.

How to get free Mercedes-Benz E350 insurance quotes online

When shopping for Mercedes-Benz E350 insurance in Sacramento there are multiple ways of comparing rate quotes from different companies. The quickest method to do a complete rate comparison is to get quotes online.

Doing price comparisons online is so simple that it makes it obsolete to go to local Sacramento insurance agencies. Quoting Mercedes-Benz E350 insurance online has made agencies unnecessary unless your situation requires the peace of mind of an agent trained in personal lines coverage. It is possible with some companies comparison shop your insurance online but purchase the actual policy in an agency.

When comparing auto insurance rates, know that comparing more quotes helps you find the best rates.

The providers in the list below offer comparison quotes in Sacramento, CA. If you wish to find cheaper car insurance in Sacramento, CA, we suggest you visit as many as you can to find the lowest car insurance rates.

Analysis of coverages

The premium information shown next covers estimates of insurance rates for Mercedes-Benz E350 models. Having a good grasp of how insurance prices are formulated is important to be able to make smart policy decisions.

Data based on married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Premium amounts do not factor in vehicle location which can influence rates noticeably.

Raise deductibles and save

One of the more difficult decisions when buying car insurance is which deductible level should you buy. The data tables below show how much more you’ll pay when you choose different insurance deductibles. The first price estimate table uses a $250 deductible for comp and collision and the second pricing table uses a $500 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, multi-vehicle, and claim-free. Estimates do not factor in vehicle location which can alter insurance rates greatly.

Based on the above data, using a $250 deductible will cost in the ballpark of $24 more each month or $288 each year than opting for the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you go more than 10 months between claims, you would probably save some money if you choose a higher deductible.

Poor driving habits will raise your car insurance rates

The example below shows how violations and at-fault accidents impact Mercedes-Benz E350 insurance premiums for different age groups. The information is based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.

Annual premiums for males compared to females

The example below illustrates the difference between Mercedes-Benz E350 insurance costs for male and female drivers. The premium estimates are based on a clean driving record, no claims, full coverage, $500 deductibles, drivers are single, and no discounts are factored in.

Cost comparison with and without full coverage

The information below compares Mercedes-Benz E350 premium costs with liability coverage only compared to full coverage. The data is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are applied to the premium.

Guidelines for eliminating full coverage

There is no written rule to stop paying for full coverage on your policy, but there is a broad guideline. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.

For example, let’s assume your Mercedes-Benz E350 claim settlement value is $6,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $5,000 after paying your policy deductible. If you are paying over $500 a year for your policy with full coverage, then it’s probably a good time to buy liability coverage only.

There are some cases where buying only liability insurance is not recommended. If you haven’t paid off your loan, you have to keep full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Why do I need car insurance?

Despite the high insurance cost for a Mercedes-Benz E350 in Sacramento, auto insurance is required in California but also provides important benefits.

• Most states have compulsory liability insurance requirements which means you are required to buy specific limits 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 bought your vehicle with a loan, it’s guaranteed your bank will require you to buy insurance to ensure they get paid if you total the vehicle. If you do not pay your insurance premiums, the lender may have to buy a policy to insure your Mercedes-Benz at a more expensive rate and require you to fork over the higher price.
• Insurance safeguards both your assets and your car. It will also provide coverage for medical bills that are the result of an accident. Liability coverage will also pay attorney fees if someone files suit against you as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and collision coverage will cover the damage repairs after a deductible is paid.

The benefits of buying enough insurance greatly outweigh the cost, particularly for liability claims. According to a 2015 survey, the average American driver is overpaying more than $810 a year so you should quote and compare rates at least once a year to ensure rates are inline.

Sacramento insurance discounts for a Mercedes-Benz E350

Some insurers don’t always publicize the complete list of policy discounts in a way that’s easy to find, so the list below gives a summary of some of the more common as well as some of the hidden credits that may apply to you.

• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of up to 25% or more.
• Military Deployment Discount – Being on active duty in the military could be rewarded with lower prices.
• Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle their seat belts could save 15% off the personal injury premium cost.
• Student Discount for Driver Training – It’s a good idea to have your young drivers successfully take a driver’s education course in high school.
• Discount for New Cars – Buying a new car model is cheaper because new vehicles have to meet stringent safety requirements.
• Early Payment Discounts – If paying your policy premium upfront rather than spreading payments over time you could save up to 5%.
• Theft Prevention System – Cars equipped with tracking devices and advanced anti-theft systems are stolen less frequently so companies will give you a small discount.
• Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
• Distant Student – Any of your kids who are enrolled in a college that is more than 100 miles from Sacramento and leave their car at home may qualify for this discount.
• Discount for Multiple Policies – When you combine your homeowners and auto insurance with the same company you will save 10% to 20% off each policy.

As a sidenote, most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you could get a free insurance policy, it just doesn’t work that way. But any discount should help lower the cost of coverage.

The diagram below illustrates the comparison of Mercedes-Benz E350 insurance costs with and without discounts applied to the rates. Data assumes a female driver, no accidents or driving violations, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, claim-free, marriage, and safe-driver discounts applied.

If you would like to see a list of insurers that offer discounts in Sacramento, click here to view.

Everyone needs different car insurance coverages

Keep in mind that when it comes to choosing coverage, there isn’t really a single plan that fits everyone. You are unique.

Here are some questions about coverages that can help discover if you might need professional guidance.

• Exactly who is provided coverage by my policy?
• Are rock-chip repairs free?
• How long can I keep a teen driver on my policy?
• Can my teen drive my company car?
• Where can I get insurance after a DUI in California?
• Is other people’s property covered if stolen from my vehicle?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

Independent versus exclusive car insurance agents

Certain consumers just prefer to visit with an insurance agent and that can be a smart move A nice benefit of getting online price quotes is the fact that drivers can get lower rates but still work with a licensed agent.

To make it easy to find an agent, after completing this simple form, your insurance coverage information is submitted to agents in your area that can give you free Sacramento car insurance quotes for your business. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered to you directly. You can find lower rates without having to waste a lot of time. If you need to get a rate quote from one company in particular, feel free to visit that company’s website and fill out their quote form.

Finding a good insurer should include more criteria than just the bottom line cost. Some important questions to ask are:

• Do they review policy coverages at every renewal?
• Do they receive special compensation for putting your coverage with one company over another?
• Does their agency support local causes in Sacramento?
• What companies can they write with?
• Are there any discounts for paying up front?
• Where are claims handled?

Coverages available on your insurance policy

Having a good grasp of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Collision coverage – Collision insurance pays for damage to your E350 resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as rolling your car, backing into a parked car, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible on your E350 to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz E350.

Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage – This pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, damage from flooding, theft and damage from a tornado or hurricane. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses such as rehabilitation expenses, nursing services, dental work and chiropractic care. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 15/30/5 which means a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and $5,000 of coverage for damaged property.

Liability coverage protects against things like attorney fees, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible. California requires minimum liability limits of 15/30/5 but it’s recommended drivers buy more coverage.

The chart below demonstrates why buying minimum limits may not be high enough to cover claims.

Persistence pays off

Low-cost Mercedes-Benz E350 insurance in Sacramento can be bought on the web and with local Sacramento insurance agents, so you need to quote Sacramento car insurance with both to have the best rate selection. There are still a few companies who don’t offer price quotes online and usually these smaller companies only sell through independent agencies.

Insureds change insurance companies for a variety of reasons including extreme rates for teen drivers, policy cancellation, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is pretty easy and you might even save some money in the process.

When getting Sacramento car insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. There have been many cases where drivers have reduced collision coverage to discover at claim time that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at the best possible price, not the least amount of coverage.

Helpful information

• Get the Right Protection (InsureUonline.org)
• How Much is Sacramento Auto Insurance for Drivers Over Age 60? (FAQ)
• How Much are Sacramento Car Insurance Rates for Used Cars? (FAQ)
• Who Has Affordable Car Insurance Rates for a Dodge Journey in Sacramento? (FAQ)
• What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Uninsured Motorists: Threats on the Road (Insurance Information Institute)
• Vehicle Insurance (Wikipedia)