Compare Mercedes-Benz C350 Insurance Quotes in Oakland

Truthfully, the best way to find affordable Mercedes-Benz C350 insurance is to start comparing prices yearly from insurers in Oakland.

• First, it will benefit you to learn about how companies set rates and the measures you can control to prevent expensive coverage. Many things that increase rates such as at-fault accidents and a poor credit rating can be improved by improving your driving habits or financial responsibility.
• Second, obtain price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can quote rates from multiple insurance companies.
• Third, compare the new rate quotes to your existing policy and see if you can save money. If you can save money and decide to switch, make sure coverage does not lapse between policies.
• Fourth, provide proper notification to your current company of your intent to cancel your existing policy. Submit the completed application along with a down payment for the new policy. As soon as you can, put the proof of insurance certificate along with your vehicle registration.

A tip to remember is to try to compare identical coverages on every price quote and and to get quotes from every company you can. Doing this enables a fair rate comparison and a good representation of prices.

It’s easy to assume that auto insurance companies want to keep you from shopping around. Insureds who rate shop once a year are inclined to move their business because the odds are good of finding discount prices. A recent survey revealed that consumers who compared rates annually saved an average of $850 each year as compared to drivers who don’t regularly compare prices.

If finding low prices for car insurance is the reason for your visit, then having a good understanding the best way to quote and compare insurance can make shopping around easier.

Most major insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get prices from their websites. Doing online quotes for Mercedes-Benz C350 insurance in Oakland is pretty painless because it’s just a matter of typing in the coverage amounts you desire into the quote form. When complete, the system will obtain reports for credit and driving violations and provides a quote based on many factors. This helps simplify price comparisons, and it’s necessary to perform this step in order to find affordable prices.

If you want to compare rates using this form now, take a look at the companies shown below. To compare your current rates, we recommend that you enter the coverages exactly as shown on your declarations page. This makes sure you will receive a rate comparison for similar coverage.

The auto insurance companies shown below provide comparison quotes in Oakland, CA. If your goal is to find the best car insurance in Oakland, we suggest you click on several of them in order to find the lowest rates.

Take advantage of these seven discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that could drop your premiums quite a bit. Certain reductions will be credited when you quote, but some discounts are required to be manually applied prior to getting the savings. If you aren’t receiving every discount possible, you are paying more than you should be.

• Save with a New Car – Buying a new car model can be considerably cheaper due to better safety requirements for new model year vehicles.
• Paper-free Discount – A handful of larger companies will discount your bill up to fifty bucks shop Oakland car insurance on your computer.
• Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz could be rewarded with lower premium rates due to less chance of an accident.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save a little on medical payment and PIP coverage.
• Accident Waiver – This one isn’t a discount, but a few companies such as Allstate and Progressive will turn a blind eye to one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with certain companies.
• Discount for Good Grades – A discount for being a good student can save 20 to 25%. This discount can apply well after school through age 25.

Policy discounts save money, but most credits do not apply to the entire cost. A few only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The illustration below visualizes the comparison of Mercedes-Benz C350 yearly insurance costs with and without discounts. The rate quotes are based on a male driver, no accidents or driving violations, California state minimum liability limits, comprehensive and collision 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, claim-free, multi-car, safe-driver, and marriage discounts applied.

A list of companies and their possible discounts include:

• GEICO discounts include emergency military deployment, seat belt use, military active duty, federal employee, good student, defensive driver, and driver training.
• Travelers offers discounts including good student, IntelliDrive, student away at school, save driver, new car, hybrid/electric vehicle, and multi-policy.
• Nationwide has discounts for multi-policy, accident-free, good student, Farm Bureau membership, anti-theft, and easy pay.
• Farmers Insurance has savings for youthful driver, multi-car, distant student, bundle discounts, and business and professional.
• Esurance offers premium reductions for claim free, anti-lock brakes, multi-car, multi-policy, and paid-in-full.
• State Farm includes discounts for student away at school, Drive Safe & Save, accident-free, anti-theft, and safe vehicle.
• Progressive may offer discounts for multi-policy, online quote discount, online signing, multi-vehicle, continuous coverage, and good student.
• Mercury Insurance policyholders can earn discounts including ease of repair, good driver, accident-free, professional/association, multi-car, multi-policy, and age of vehicle.

Before purchasing a policy, check with every prospective company to give you their best rates. Depending on the company, some discounts might not be offered on policies in your area. To find providers that offer multiple discounts in Oakland, follow this link.

Mercedes-Benz C350 insurance statistics and information

The table below highlights a range of rate quotes for Mercedes-Benz C350 models. Having a better idea how insurance premiums are established can be useful when making smart choices when comparing insurance rates.

Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 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 specific location information which can lower or raise coverage prices considerably.

Higher deductibles lower rates

When shopping for insurance, a common question is which deductible level should you buy. The rates shown below outline the cost difference when you select higher and lower deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of prices 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 multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in Oakland location which can lower or raise coverage rates greatly.

Based on this data, using a $250 deductible costs an average of $21 more each month or $252 every year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 12 months between claim filings, you would most likely save money if you opt for a higher deductible.

Annual premiums for males versus females

The diagram below illustrates the difference between Mercedes-Benz C350 insurance premiums for male and female drivers. The data is based on a clean driving record, no claims, comprehensive and collision coverage, $500 deductibles, drivers are single, and no policy discounts are applied.

Difference between liability only and full coverage rates

The diagram below illustrates the comparison of Mercedes-Benz C350 insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $100 deductibles, marital status is single, and no additional discounts are factored in.

Should you buy full coverage or liability only?

There is no definitive rule to delete full coverage, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s say your Mercedes-Benz C350 settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $3,000 after the deductible is paid. If you are paying over $300 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

There are a few situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not consider dropping full coverage.

Ratings for California auto insurance companies

Ending up with a highly-rated company is hard considering how many choices drivers have in California. The rank data displayed below may help you choose which car insurance companies to look at shopping prices with.

Top 10 Oakland Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+