Discount Mercedes-Benz C350 insuranceAre you tired of trying to find low-cost Mercedes-Benz C350 insurance in Evansville? Trying to come up with a payment for overpriced auto insurance can bleed your funds and make it impossible to make ends meet. Getting a rate comparison is a smart way to ensure you are getting the best deal.

It's astonishing, but almost 70% of drivers have been with the same company for four years or more, and roughly 40% of drivers have never compared auto insurance rates at all. Drivers in Indiana could save almost 55% every year by just comparing quotes, but they just assume it takes a lot of time to shop their coverage around.

Companies like State Farm, Allstate, GEICO and Progressive constantly bombard you with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and take the time to shop coverage around.

It's a good idea to shop coverage around at least once a year since insurance prices are usually higher with each renewal. Despite the fact that you may have had the best rates on Mercedes-Benz C350 insurance in Evansville last year a different company probably has better rate quotes today. Forget anything you know (or think you know) about auto insurance because we're going to show you the best methods to properly buy coverages and cut your premium.

If you have insurance now, you stand a good chance to be able to get lower rates using the concepts covered in this article. Buying the cheapest car insurance in Evansville is quite easy. Nevertheless, Indiana consumers do need to know the way insurance companies charge you for coverage and use it to your advantage.

How to get Evansville Mercedes-Benz C350 insurance price quotes

Most of the larger companies like GEICO, State Farm and Progressive give insurance quotes online. Comparing prices online for Mercedes-Benz C350 insurance in Evansville is pretty easy as you simply type in your coverage preferences as requested by the quote form. Behind the scenes, their system collects your credit score and driving record and returns pricing information based on the data you entered. Using the web to get price quotes for Mercedes-Benz C350 insurance in Evansville makes it easy to compare insurance prices and it's necessary to get many rate quotes in order to find the lowest payment.

To save time and fill out one form to compare multiple rates now, check out the auto insurance providers below. To compare your current rates, we recommend you duplicate your coverages identical to your current policy. This helps ensure you will receive a rate comparison based on the exact same insurance coverage.

The providers in the list below are ready to provide quotes in Evansville, IN. If multiple companies are shown, we suggest you visit as many as you can to find the cheapest car insurance rates.

Mercedes-Benz C350 Insurance Rates in Evansville, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $302 $610 $380 $22 $114 $1,428 $119
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Data rating is based on single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific garaging location which can raise or lower auto insurance rates considerably.

Men versus women drivers and insurance cost

The example below illustrates the difference between Mercedes-Benz C350 premium costs for male and female drivers. The prices are based on a clean driving record, no claims, full coverage, $500 deductibles, marital status is single, and no discounts are applied to the premium.

Deductible analysis

One of the more difficult decisions when buying car insurance is how high should the physical damage coverage deductibles be. The comparison tables below can help you visualize how much more rates are between low and high physical damage deductibles. The first data set uses a $250 deductible for comp and collision and the second price table uses a $500 deductible.

Mercedes-Benz C350 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $272 $496 $280 $16 $84 $1,173 $98
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Mercedes-Benz C350 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $222 $400 $280 $16 $84 $1,002 $84
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Table data does not factor in specific garaging location which can increase or decrease premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you about $14 more each month or $168 for a full year than selecting the higher $500 deductible. Since you would pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you usually have at least 18 months between claims, you would come out ahead if you choose the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $250 deductibles: $98
Average monthly premium for $500 deductibles (subtract): - $84
Monthly savings from raising deductible: $14
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $14
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 18 months

An important sidenote is that a higher deductible level means you will have to cover more of the damage yourself when you have a physical damage claim. That will require some extra savings in the event you need to pay the deductible to have repairs made.

Comparison of full coverage and liability-only policies

The information below examines Mercedes-Benz C350 car insurance rates with and without physical damage coverage. The price estimates are based on no accidents, no driving violations, $100 deductibles, single female driver, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no clear-cut rule to drop comp and collision coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance 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 assume your Mercedes-Benz C350 claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $5,000 after the deductible is paid. If you are paying in excess of $500 a year to have full coverage, then you may want to consider only buying liability coverage.

There are a few situations where eliminating full coverage is not advised. If you still owe money on your vehicle, you must maintain physical damage coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Lower rates by qualifying for these seven discounts

Some providers don't always list all their discounts very clearly, so here is a list both well-publicized as well as some of the hidden credits that may apply to you.Auto insurance discounts

As a sidenote, most credits do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it appears you could get a free auto insurance policy, companies wouldn't make money that way.

A list of companies and their possible discounts are detailed below.

If you are trying to find the cheapest Mercedes-Benz C350 rate quotes, ask every company which discounts they offer. Some discounts might not be available to policyholders in your state.

Car insurance protects more than just your car

Despite the high cost of buying insurance for a Mercedes-Benz C350 in Evansville, insurance serves an important purpose.

The benefits of having car insurance more than cancel out the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying more than $850 per year so compare rates once a year at a minimum to ensure rates are competitive.

Auto insurance is available from your local insurance agencies

A lot of people still prefer to sit down and talk to an agent and that is recommended in a lot of cases The biggest benefit of price shopping on the web is you can get the lowest rates but still work with a licensed agent. Buying from and supporting local insurance agents is especially important in Evansville.

Find insurance agent in EvansvilleFor easy comparison, once you complete this simple form, your insurance coverage information is transmitted to insurance agents in Evansville who will gladly provide quotes to get your business. You won't even need to find an agent on your own because prices are sent to your email. It's the lowest rates without requiring a lot of work. If you wish to compare rates from a specific auto insurance provider, you would need to go to their quote page to submit a rate quote request.

What type of Evansville car insurance agent is right for you?

If you want to buy auto insurance from a reliable insurance agent, you must know there are a couple types of agencies and how they are slightly different. Insurance agencies in Evansville can either be exclusive or independent (non-exclusive).

Independent Auto Insurance Agencies

Independent agents are appointed with more than one company so they can quote policies with any number of different companies and find you cheaper rates. If you want to switch companies, they simply switch companies in-house and you won't have to switch agencies. When shopping rates, you should always get rate quotes from a few independent agents to get the best comparison.

Below are independent agents in Evansville who may provide free price quotes.


417 N Weinbach Ave #104 - Evansville, IN 47711 - (812) 402-9008 - View Map


1133 W Mill Rd #201b - Evansville, IN 47710 - (812) 205-2500 - View Map


3000 E Division St - Evansville, IN 47711 - (812) 424-5503 - View Map

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Exclusive Auto Insurance Agents

Exclusive agencies work for only one company like AAA, State Farm, Farmers Insurance, and Allstate. These agents are unable to shop your coverage around so always compare other rates. Exclusive agents receive a lot of sales training on what they offer and that enables them to sell even at higher rates.

Listed below are exclusive insurance agencies in Evansville who can help you get price quote information.


125 N Weinbach Ave #820a - Evansville, IN 47711 - (812) 401-4606 - View Map


5600 E Virginia St - Evansville, IN 47715 - (812) 962-5801 - View Map

Randy Robertson - State Farm Insurance Agent
1520 Bellemeade Ave - Evansville, IN 47714 - (812) 479-1881 - View Map

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Selecting an insurance agent should include more criteria than just the premium amount. The questions below may impact your decision as well.

After getting positive feedback to your questions as well as an affordable premium quote, chances are good that you have found an insurance agency that meets the criteria to properly insure your vehicles.

Specific coverages for a Mercedes-Benz C350

Learning about specific coverages of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, falling objects, damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle's value is low consider dropping full coverage.

Liability

This coverage can cover damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn't cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/10 which stand for $25,000 in coverage for each person's injuries, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers things such as repair costs for stationary objects, medical expenses and medical services. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford. Indiana requires minimum liability limits of 25/50/10 but you should think about purchasing more liability than the minimum.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don't have enough coverage. It can pay for injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Due to the fact that many Indiana drivers only carry the minimum required liability limits (25/50/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Frequently these coverages do not exceed the liability coverage limits.

Collision coverage

Collision insurance will pay to fix damage to your C350 resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible on your C350 to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like rehabilitation expenses, surgery, funeral costs and chiropractic care. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage