Want to learn how to find cheaper Mercedes-Benz C350 insurance in Fort Collins? Comparing and finding low cost coverage rates for Mercedes-Benz C350 insurance in Fort Collins can be quite difficult for beginners to online rate comparisons. People have so many options that it can turn into a challenge to find the perfect company for you.

Insurance for Mercedes-Benz C350Regrettably, almost 70% of insureds in Colorado have bought car insurance from the same company for over three years, and roughly 40% of drivers have never compared rates to find lower-cost insurance. The average driver in the United States can save as much as $860 each year just by getting comparison quotes, but they don't invest the time required to go online and compare rates.

It's a great practice to shop coverage around every six months because car insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on Mercedes-Benz C350 insurance in Fort Collins a couple years back you will most likely find a better premium rate today. Forget all the misinformation about car insurance because I'm going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Affordable Mercedes-Benz insurance price quotes in Fort Collins

The companies shown below provide free quotes in Colorado. If multiple companies are shown, we recommend you click on several of them in order to find the lowest rates.

Mercedes-Benz C350 Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $214 $416 $330 $20 $98 $1,078 $90
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Price data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Information does not factor in the specific area where the vehicle is garaged which can change coverage rates greatly.

Comparison of policy deductibles

When buying auto insurance, a common question is how high should your deductibles be. The comparison tables below approximate the rate fluctuation when you choose different policy deductibles. The first pricing table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Mercedes-Benz C350 insurance premium rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $342 $620 $352 $20 $106 $1,465 $122
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Mercedes-Benz C350 insurance premium rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $278 $500 $352 $20 $106 $1,256 $105
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Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific zip code location which can affect auto insurance rates noticeably.

Based on the data above, we can derive that using a $250 deductible will cost in the ballpark of $17 more each month or $204 annually than requesting the higher $500 deductible. Because you would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have more than 15 months between claims, you would more than likely save some money if you decide on a higher deductible.

Calculation for raising deductibles

Average monthly premium for $250 deductibles: $122
Average monthly premium for $500 deductibles (subtract): - $105
Monthly savings from raising deductible: $17
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $17
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

An important thing to remember is that increasing deductibles to lower your rates results in a higher out-of-pocket expense when you have a physical damage claim. That will require enough savings in the event you need to pay more to get your vehicle repaired.

Verify you're getting every discount

Not too many consumers would say insurance is affordable, but you might be missing out on some discounts that you may not even be aware of. Certain credits will be shown at quote time, but occasionally some discounts must be manually applied before you get the savings.Save money with discounts

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. So even though you would think it's possible to get free car insurance, company stockholders wouldn't be very happy.

Companies and some of the premium reductions they offer are included below.

Check with each company or agent how many discounts you can get. Depending on the company, some discounts may not be available everywhere. To locate insurers that offer discounts in Fort Collins, click this link.

Auto insurance agents near you

A lot of people prefer to buy from a licensed agent and that is a personal choice. One of the benefits of price shopping on the web is the fact that you can find cheaper premium rates but also keep your business local. And buying from neighborhood insurance agencies is especially important in Fort Collins.

Fort Collins insurance agentsBy using this short form, the quote information is submitted to agents in your area who will give you quotes and help you find cheaper coverage. It's much easier because you don't need to contact any agents due to the fact that quote results will go immediately to your email address. You can get cheaper auto insurance rates without the usual hassles of price shopping. If you wish to get a rate quote for a specific company, you can always find their quoting web page and submit a quote form there.

Choosing a provider should include more criteria than just the premium amount. The questions below may impact your decision as well.

Car insurance ads are enticing

Companies like State Farm, GEICO and Progressive regularly use television and radio advertisements. They all seem to make the promise that people will save if you move your policy. Is it even possible that every company can charge you a lower premium?

All companies look for specific characteristics for the type of driver they prefer to insure. One example of this type of risk profile might be over the age of 50, is a homeowner, and the vehicle is rated for pleasure use. Someone who fits those characteristics will get very good Fort Collins premium rates and most likely will save some money.

Drivers who fall short of this stringent profile will probably have to pay a higher rate and this results in business not being written. If you pay attention, the ads say "people who switch" not "everybody who quotes" save the amount stated. That is how companies can truthfully make claims like that.

Because every company is different, it's extremely important to get price quotes at each policy renewal. It is impossible to guess which car insurance company will provide the lowest Mercedes-Benz C350 insurance in Fort Collins.

Educate yourself about auto insurance coverages

Understanding the coverages of a auto insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

Collision insurance will pay to fix damage to your C350 caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as rolling your car, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It's also possible to bump up the deductible on your C350 to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage kick in for immediate expenses like funeral costs, X-ray expenses, prosthetic devices, ambulance fees and surgery. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle and falling objects. The maximum payout you'll receive from a claim is the actual cash value, so if it's not worth much more than your deductible consider dropping full coverage.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to other's property or people in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/15 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $15,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, structural damage, pain and suffering, legal defense fees and loss of income. How much coverage you buy is a personal decision, but you should buy higher limits if possible. Colorado state minimum liability requirements are 25/50/15 but you should think about purchasing more coverage.

Uninsured or underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz C350.

Due to the fact that many Colorado drivers have only the minimum liability required by law (Colorado limits are 25/50/15), their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually these coverages are set the same as your liability limits.

Insurance savings summarized

Low-cost Mercedes-Benz C350 insurance in Fort Collins can be bought from both online companies and also from your neighborhood Fort Collins agents, so you should compare both to have the best rate selection. Some insurance providers may not have rate quotes online and these regional carriers provide coverage only through independent insurance agencies.

People who switch companies do it for any number of reasons including high rates after DUI convictions, not issuing a premium refund, policy non-renewal or policy cancellation. Whatever your reason, finding a great new company can be easier than you think.

In this article, we covered a lot of tips how to find lower-cost Mercedes-Benz C350 insurance in Fort Collins. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the lowest prices come from a smaller regional carrier.

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