Inconceivable but true, the vast majority of consumers have stayed with the same insurance company for well over three years, and nearly half have never quoted rates to find lower-cost coverage. Drivers in America could save up to $860 each year by just comparing quotes, but they just don’t understand how easy it is to compare other rate quotes.
If you want to save the most money, the best way to get more affordable Mercedes-Benz C350 insurance is to compare prices annually from insurance carriers who can sell car insurance in Laredo. Rates can be compared by following these steps.
First, read about individual coverages and the changes you can make to prevent expensive coverage. Many rating factors that are responsible for high rates such as at-fault accidents, careless driving, and poor credit history can be amended by making minor driving habit or lifestyle changes.
Second, get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from a single company like GEICO or Farmers Insurance, while agents who are independent can quote prices from multiple companies.
Third, compare the new rate quotes to your existing coverage and see if there is a cheaper rate in Laredo. If you find a better price and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
Fourth, provide notification to your current agent or company to cancel your current coverage. Submit payment and a completed application to your new agent or company. Don’t forget to safely store the proof of insurance paperwork in an accessible location in your vehicle.
A tip to remember is to use the same coverage limits and deductibles on each price quote and and to compare as many carriers as you can. This helps ensure a fair rate comparison and the most accurate and complete price analysis.
The quickest method we recommend to compare rate quotes for Mercedes-Benz C350 insurance in Laredo is to realize most insurance companies allow for online access to provide you with a free rate quote. The only thing you need to do is give them rating details such as the type of vehicles you drive, how much you drive, whether the vehicles are used for commuting, and if you have an active license. That rating information gets sent immediately to insurance companies and they return quotes instantly to find the best rate.
To check Mercedes-Benz C350 insurance prices now, click here then complete the form.
The providers in the list below can provide price comparisons in Texas. If you wish to find cheap car insurance in Texas, it’s a good idea that you visit as many as you can in order to get a fair rate comparison.
Mercedes-Benz C350 coverage analysis
The table below showcases different prices for Mercedes-Benz C350 models. Being more informed about how insurance quotes are formulated is important for you to make decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $344 | $542 | $500 | $30 | $150 | $1,566 | $131 |
| Get Your Own Custom Quote Go | |||||||
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can raise or lower premium rates considerably.
Choosing deductibles
When shopping for car insurance, a common question is where should you set your physical damage deductibles. The rates below can help you visualize the costs and benefits when you select higher and lower insurance deductibles. The first rate quote example uses a $250 physical damage 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 | $370 | $672 | $382 | $22 | $114 | $1,585 | $132 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $228 | $424 | $382 | $22 | $114 | $1,170 | $98 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rates do not factor in Laredo location which can influence prices noticeably.
Based on the figures above, using a $250 deductible costs approximately $34 more each month or $408 a year than quoting the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at least 22 months between claim filings, you would more than likely save some money going with the higher deductible. The table below shows the way you can make this decision for your own policy.
| Average monthly premium for $250 deductibles: | $132 |
| Average monthly premium for $1,000 deductibles (subtract): | – $98 |
| Monthly savings from raising deductible: | $34 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $34 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 22 months |
One thing to note is that a higher deductible level results in a higher out-of-pocket expense when you have a comprehensive or collision claim. You need to have some extra savings in the event you need to pay the deductible to have repairs made.
Impact of speeding/accidents on car insurance rates
The diagram below shows how violations and at-fault collisions increase Mercedes-Benz C350 car insurance costs for different age groups. The premium estimates are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.
Discounts can help to save on Mercedes-Benz C350 insurance in Laredo
Not too many consumers would say auto insurance is affordable, but there could be significant discounts that could help you make your next renewal payment. Some of these discounts will be visible when you complete an application, but a few need to be specially asked for prior to getting the savings.
- Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems could see savings of 25 to 30%.
- Driver Training Discounts – Successfully completing a defensive driver class is a good idea and can lower rates if your company offers it.
- Theft Deterrent – Cars, trucks, and SUVs optioned with advanced anti-theft systems have a lower chance of being stolen and will qualify for a discount on a Laredo car insurance quote.
- Military Deployment Discount – Having a family member in the military could mean lower prices.
- Club Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break on your next renewal.
- Discount for Swiching Early – A few companies give discounts for renewing your policy before your current coverage expires. You may see this discount when you get Laredo car insurance quotes online.
- Distant College Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
- Save with a New Car – Adding a new car to your policy can cost up to 25% less because new model year vehicles are generally safer.
- Life Insurance – Insurance companies who offer life insurance give better rates if you take out life insurance.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce the cost of specific coverages such as comp or med pay. So despite the fact that it appears all those discounts means the company will pay you, insurance companies wouldn’t stay in business.
The example below visualizes the comparison of Mercedes-Benz C350 insurance costs with and without policy discounts. The rates are based on a female driver, no tickets, no at-fault accidents, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, safe-driver, multi-policy, and claim-free discounts applied.
A few popular companies and their offered discounts include:
- GEICO may include discounts for multi-vehicle, daytime running lights, seat belt use, membership and employees, multi-policy, federal employee, and anti-lock brakes.
- Auto-Owners Insurance includes discounts for anti-lock brakes, safe vehicle, safe driver, mature driver, and company car.
- American Family discounts include TimeAway discount, defensive driver, good driver, Steer into Savings, air bags, and good student.
- Esurance offers discounts for good driver, online shopper, anti-lock brakes, claim free, and emergency road assistance.
- Progressive policyholders can earn discounts including homeowner, multi-vehicle, continuous coverage, good student, online quote discount, and multi-policy.
- State Farm may offer discounts for safe vehicle, anti-theft, passive restraint, Steer Clear safe driver discount, and driver’s education.
- AAA offers discounts including education and occupation, good student, multi-policy, good driver, AAA membership discount, and pay-in-full.
Before purchasing a policy, check with each company or agent to apply every possible discount. Some of the earlier mentioned discounts may not apply to policyholders in every state. If you would like to see a list of auto insurance companies with the best Mercedes-Benz C350 insurance discounts in Laredo, click here to view.
It may be expensive, but it’s not optional
Despite the high insurance cost for a Mercedes-Benz C350 in Laredo, insurance is required in Texas but also provides important benefits.
- Most states have compulsory liability insurance requirements which means you are required to carry specific minimum amounts of liability protection in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you took out a loan on your Mercedes-Benz, most banks will stipulate that you have insurance to guarantee their interest in the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Mercedes-Benz for a lot more money and force you to reimburse them for the much more expensive policy.
- Insurance protects both your Mercedes-Benz and your assets. It will also reimburse you for medical bills that are the result of an accident. Liability coverage, the one required by state law, will also pay to defend you if you are sued as the result of an accident. If damage is caused by hail or an accident, your car insurance policy will pay to restore your vehicle to like-new condition.
The benefits of insuring your C350 outweigh the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is currently overpaying as much as $865 each year so it’s recommended you shop around every year to help ensure money is not being wasted.
Are insurance agents used anymore?
A lot of people still like to have an agent’s advice and that is just fine! Experienced insurance agents can help you choose the best coverages and will help you if you have claims. The biggest benefit of price shopping on the web is that drivers can save money and get the lowest rates but still work with a licensed agent. Buying from local insurance agencies is important especially in Laredo.
Upon completion of this simple form, your information is emailed to insurance agents in Laredo that give free quotes for your coverage. There is no need to find an agent on your own because prices are sent straight to your inbox. If you need to quote rates for a specific company, you can always visit that company’s website to submit a rate quote request.
Best auto insurance agent in Laredo
If you prefer to buy auto insurance from a local Laredo insurance agent, there are a couple of types of agencies and how they are slightly different. Laredo agents can either be independent agents or exclusive agents. Both can insure your vehicles properly, but it’s worth mentioning the subtle differences since it can impact which type of agent you select.
Independent Insurance Agents
Independent insurance agents are not employed by one company so they have the ability to put coverage with a variety of different insurance companies and find the cheapest rate. To move your coverage to a new company, the business is moved internally without you having to go to a different agency.
If you are trying to find cheaper rates, we recommend you check rates from a few independent agents to get the most accurate price comparison. They often place coverage with lesser-known insurance companies which can be an advantage.
Listed below are Laredo independent agencies who can help you get price quote information.
- Gonzalez H P Insurance Agency
1910 Corpus Christi St – Laredo, TX 78043 – (956) 725-5015 – View Map - Cubriel Insurance LLC
1808 Commerce Dr – Laredo, TX 78041 – (956) 568-5290 – View Map - Medina Wright Insurance
1419 Clark Blvd – Laredo, TX 78040 – (956) 722-4618 – View Map
Exclusive Agencies
Agents in the exclusive channel work for only one company such as Allstate, Farmers Insurance or State Farm. They generally cannot provide other company’s prices so they are skilled at selling on more than just price. Exclusive agents are well schooled on what they offer and that allows them to sell at a higher price point. Some consumers prefer to choose to use an exclusive agent partially due to the prominent brand name and the convenience of having all coverages with one company.
Shown below is a list of exclusive insurance agencies in Laredo who can help you get price quotes.
- Allstate Insurance Agent: Mike Cortez
201 W Del Mar Blvd Ste 16 – Laredo, TX 78041 – (956) 723-6453 – View Map - Texas Farm Bureau Insurance – Melissa Arce
1505 Calle Del Norte Dr #210 – Laredo, TX 78041 – (956) 712-3276 – View Map - Farmers Insurance – Manuel Benavides
4001 McPherson Rd #105 – Laredo, TX 78041 – (956) 725-5901 – View Map
Deciding on a insurance agency requires more thought than just the premium amount. Get answers to these questions too.
- Do they get paid more for recommending certain coverages?
- Do they offer rental car reimbursement?
- Is the agency active in community causes in Laredo?
- Are they in the agency full-time?
- Do they feel the quoted coverages are adequate?
- Is the agency covered by Errors and Omissions coverage?
- Does the agency have a positive business rating?
- Does the agent have professional designations like CIC, CPCU or AIC?
Once you have reasonable responses to these questions as well as an affordable premium quote, you may have found an insurance agency that can be trusted to provide auto insurance coverage.