Insurance rates Mercedes-Benz E350 in AuroraDo you want to save money by finding more affordable auto insurance rates in Aurora, CO? Aurora shoppers have many options when shopping for low-cost Mercedes-Benz E350 insurance. They can either spend hours struggling with agents to get rate comparisons or utilize the internet to find the lowest rates.

There is a better way to compare auto insurance rates and we'll show you the best way to compare rates for your Mercedes-Benz and obtain the lowest price from Aurora insurance agents and online providers.

It is always a good idea to check auto insurance prices every six months because prices are rarely the same from one policy term to another. Even if you think you had the best price on Mercedes-Benz E350 insurance in Aurora two years ago other companies may now be cheaper. Ignore everything you know about auto insurance because you're about to learn the right way to reduce your cost while improving coverage.

The companies in the list below offer price quotes in Aurora, CO. If multiple companies are shown, it's highly recommended you get rate quotes from several of them to find the most competitive car insurance rates.

Mercedes-Benz E350 Insurance Rate Estimates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $346 $860 $308 $18 $92 $1,624 $135
E350 4-Dr Sedan $364 $688 $236 $14 $70 $1,372 $114
E350 with 4-MATIC 4-Dr Sedan $300 $652 $280 $16 $84 $1,332 $111
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Rate information does not factor in specific zip code location which can affect price quotes greatly.

Full coverage versus liability only rates

The chart below illustrates the difference between Mercedes-Benz E350 auto insurance costs when comparing full coverage to liability only. The data is based on no accidents or driving violations, $100 deductibles, married male driver, and no discounts are taken into consideration.

When to switch to liability coverage only

There is no set guideline that is best for determining when to drop physical damage insurance, but there is a broad guideline. If the annual cost of coverage is more than around 10% of the vehicle's replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let's say your Mercedes-Benz E350 replacement cost is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for physical damage coverage, then it may be the right time to buy liability only.

There are some cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you don't have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage.

Policy deductibles

One of the more difficult decisions when buying auto insurance is where should you set your physical damage deductibles. The following tables determine the rate fluctuation of buying low and high physical damage coverage deductibles. The first rate comparisons uses a $100 deductible and the second set of prices uses a $1,000 deductible.

Mercedes-Benz E350 insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $380 $936 $298 $18 $90 $1,747 $146
E350 4-Dr Sedan $420 $838 $232 $14 $70 $1,599 $133
E350 with 4-MATIC 4-Dr Sedan $420 $838 $232 $14 $70 $1,599 $133
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Mercedes-Benz E350 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $210 $492 $298 $18 $90 $1,108 $92
E350 4-Dr Sedan $232 $442 $232 $14 $70 $990 $83
E350 with 4-MATIC 4-Dr Sedan $232 $442 $232 $14 $70 $990 $83
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in vehicle garaging location which can revise price quotes noticeably.

We can derive from the above data that using a $100 deductible will cost in the ballpark of $51 more each month or $612 each year than quoting the higher $1,000 deductible. Since you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you normally average at least 18 months between claims, you would probably be better off going with the higher deductible.

How to determine when to raise deductibles

Average monthly premium for $100 deductibles: $137
Average monthly premium for $1,000 deductibles (subtract): - $86
Monthly savings from raising deductible: $51
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $51
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 raising deductibles means you will have to pay more when you file a claim. You will want to have enough disposable savings in the event you have to pay the deductible.

Affordable Mercedes-Benz E350 insurance quotes in Aurora

The price of auto insurance can be rather high, but you might find some hidden discounts to cut the cost considerably. Some of these discounts will be visible when you quote, but a few must be manually applied prior to receiving the credit. If you don't get every credit available, you're just leaving money on the table.Car insurance discounts

We need to note that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comp or med pay. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

For a list of providers with significant discounts in Colorado, follow this link.

Shop online but buy locally

Some consumers just want to get professional advice from a licensed agent and there is nothing wrong with that. Experienced insurance agents can point out coverage gaps and help file insurance claims. A good thing about getting online price quotes is the fact that drivers can get lower rates and also buy local. And supporting local agents is important especially in Aurora.

Aurora insurance agentsOnce you complete this simple form, the quote information gets sent to insurance agents in Aurora who will return price quotes to get your business. It simplifies rate comparisons since you won't have to search for any insurance agencies due to the fact that quote results will go straight to your inbox. If you want to quote rates from a specific company, you just need to navigate to their website and complete a quote there.

Below are Aurora auto insurance companies that are able to give rate quotes for Mercedes-Benz E350 insurance in Aurora.

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Finding the right insurer is decision based upon more than just a low price. Agents should be asked these questions:

Upon getting positive responses for all questions you ask and inexpensive Mercedes-Benz E350 insurance in Aurora quotes, it's possible that you found a company that meets the requirements to service your policy.

There's no such thing as the perfect car insurance policy

When it comes to buying a policy, there really is no "best" method to buy coverage. Your situation is unique.Higher deductibles save money

For instance, these questions might help in determining if your insurance needs might need an agent's assistance.

If you don't know the answers to these questions, you may need to chat with an insurance agent. If you don't have a local agent, complete this form. It's fast, free and can help protect your family.

Don't listen to company ads

Colorado consumers can't ignore all the ads that promise big savings by Allstate and Progressive. All the companies say the same thing about how much you will save if you get a free Aurora car insurance quote and switch your auto insurance coverage to their company.

How do they all make almost identical claims? Just pay attention to how they say it.

Companies look for specific characteristics for a prospective insured that will most likely be profitable. One example of this type of insured might be described as a mature driver, has no driving citations, and chooses high deductibles. Anybody who meets those qualifications will get low rates and therefore will save quite a bit of money when switching.

Insureds who do not meet the ideal profile may be required to pay higher prices which usually ends up with the customer buying from someone else. Company advertisements say "customers that switch" not "everybody who quotes" save that kind of money. That's why insurance companies can confidently make claims like that.

This really illustrates why drivers should get price quotes at each policy renewal. You cannot predict which auto insurance company will have the lowest Mercedes-Benz E350 insurance in Aurora.

Information about specific coverages

Understanding the coverages of insurance can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, chiropractic care, ambulance fees, doctor visits and funeral costs. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance covers damage to your E350 resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like crashing into a building, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible on your E350 to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle's occupants as well as your vehicle's damage.

Because many people carry very low liability coverage limits (Colorado limits are 25/50/15), their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits are set the same as your liability limits.

Liability insurance

This coverage will cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn't cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/15 which stand for $25,000 in coverage for each person's injuries, a total of $50,000 of bodily injury coverage per accident, and $15,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as attorney fees, medical expenses, loss of income and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible. Colorado state law requires minimum liability limits of 25/50/15 but you should think about purchasing higher limits.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, fire damage, damage from a tornado or hurricane, a broken windshield and rock chips in glass. 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.

How much can you save?

Discount Mercedes-Benz E350 insurance in Aurora is definitely available from both online companies and with local Aurora insurance agents, so get free Aurora car insurance quotes from both of them so you have a total pricing picture. Some insurance companies don't offer online rate quotes and most of the time these smaller providers only sell coverage through independent agents.

As you prepare to switch companies, it's very important that you do not buy poor coverage just to save money. There are too many instances where an insured cut full coverage only to regret they didn't have enough coverage. The goal is to get the best coverage possible for the lowest price, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of ways to shop for Mercedes-Benz E350 insurance online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding affordable Aurora car insurance quotes. Consumers could even find that the lowest prices come from a lesser-known regional company.

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