Insurance quote for Mercedes-Benz E350 in Fort CollinsTrying to come up with a payment for overpriced auto insurance can dry up your family's budget and put a big crunch on your finances.

Amazingly, a recent study showed that most consumers in Colorado have purchased from the same company for over three years, and practically 40% of auto insurance customers have never quoted rates to find affordable coverage. The average driver in the United States could pocket $850 a year by just comparing rate quotes, but they just don't understand how much they could save if they swap their current policy for a cheaper one. There is such a variety of car insurance companies to pick from, and although it's nice to have multiple companies, having more insurance companies makes it harder to get the best deal for Mercedes-Benz E350 insurance in Fort Collins.

It is always a good idea to shop coverage around once or twice a year because auto insurance rates tend to go up over time. Just because you found the best premium rates on Mercedes-Benz E350 insurance in Fort Collins six months ago you can probably find a better price now. There is too much inaccurate information about E350 insurance out there, but in a few minutes you can learn some great ideas on how to reduce your auto insurance bill.

The easiest way to compare insurance rates in your area is to understand all the major auto insurance companies provide online access to give rate comparisons. All consumers are required to do is provide information including if you are currently licensed, which vehicles you own, your general credit rating, and the ages of drivers. That information gets sent immediately to many of the top insurers and you will receive price estimates instantly.

To compare lower-cost Mercedes-Benz E350 insurance rates now, click here and find out if you can get cheaper insurance in Fort Collins.

The auto insurance companies shown below can provide free quotes in Fort Collins, CO. If more than one company is shown, we recommend you visit several of them to get a more complete price comparison.

Mercedes-Benz E350 Insurance Cost Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $278 $632 $298 $18 $90 $1,316 $110
E350 4-Dr Sedan $238 $482 $222 $14 $66 $1,022 $85
E350 with 4-MATIC 4-Dr Sedan $382 $770 $238 $14 $72 $1,476 $123
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Prices based on married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Price estimates do not factor in specific Fort Collins garaging location which can modify prices considerably.

Choosing deductibles

When buying auto insurance, a common question is how high should the physical damage coverage deductibles be. The premium rates below summarize the rate differences between low and high comp and collision deductibles. The first set of prices uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Mercedes-Benz E350 insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $342 $784 $298 $18 $90 $1,557 $130
E350 4-Dr Sedan $376 $702 $232 $14 $70 $1,419 $118
E350 with 4-MATIC 4-Dr Sedan $376 $702 $232 $14 $70 $1,419 $118
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Mercedes-Benz E350 insurance 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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Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, safe-driver, homeowner, and multi-policy. Prices do not factor in zip code location which can impact coverage rates substantially.

Based on the figures above, using a $250 deductible will cost in the ballpark of $36 more each month or $432 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 21 months between claims, you would probably be better off by selecting a higher deductible.

Analysis of deductible levels

The chart below shows how different deductible levels and can affect Mercedes-Benz E350 premium costs for each different age group. The information is based on a married female driver, full physical damage coverage, and no discounts are taken into consideration.

Auto insurance rates based on gender

The illustration below compares Mercedes-Benz E350 premium costs for male and female drivers. The data is based on no accidents or driving violations, full physical damage coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Will just any policy work for me?

Always remember that when buying coverage for your vehicles, there really is no one-size-fits-all type of policy. Every insured's situation is different and a cookie cutter policy won't apply.Car insurance savings For example, these questions can help discover if your insurance needs could use an agent's help.

If you're not sure about those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

You may need advice from an agent

Many drivers just prefer to talk to a local agent and that is a personal choice. Insurance agents will help you protect your assets and help in the event of a claim. One of the great benefits of price shopping on the web is that drivers can save money and get the lowest rates but also keep your business local. Buying from neighborhood insurance agencies is important particularly in Fort Collins.

Insurance agency in Fort CollinsFor easy comparison, once you complete this form (opens in new window), your information is transmitted to local insurance agents that provide free Fort Collins auto insurance quotes for your auto insurance coverage. It makes it easy because there is no need to do any legwork since rate quotes are delivered directly to your email. If you need to get a comparison quote from a specific insurance company, you can always find their quoting web page and fill out their quote form.

If you want a reputable agency, you should know the different agency structures and how they can quote your rates. Auto insurance policy providers can be described as either exclusive or independent. Either type can sell affordable auto insurance policies, but it is a good idea to know the subtle differences because it can factor into which agent you choose.

Independent Auto Insurance Agents (or Brokers)

Independent agencies are normally appointed by many insurers and that gives them the ability to insure with a variety of different insurance companies and find the cheapest auto insurance rates. If prices rise, they can switch companies in-house and that require little work on your part.

If you are trying to find cheaper rates, we recommend you compare prices from several independent agencies to get the most accurate price comparison.

Shown below is a small list of independent agents in Fort Collins that may be able to provide free price quotes.

148 W Oak St - Fort Collins, CO 80524 - (970) 490-1530 - View Map

4033 E Boardwalk Dr # 200 - Fort Collins, CO 80525 - (970) 207-4000 - View Map

220 Smith St - Fort Collins, CO 80524 - (970) 484-2805 - View Map

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Exclusive Insurance Agencies

Exclusive agencies can only write with one company such as State Farm or Allstate. These agents are unable to provide prices from multiple companies so if the price isn't competitive there isn't much they can do. Exclusive agents receive a lot of sales training on their company's products which aids in selling service over price.

Listed below are exclusive insurance agencies in Fort Collins willing to provide price quote information.

Allstate Insurance: Greg L. Howell
816 S College Ave - Fort Collins, CO 80524 - (970) 482-2200 - View Map

902 W Drake Rd #5 - Fort Collins, CO 80526 - (970) 493-2323 - View Map

5205 S College Ave - Fort Collins, CO 80525 - (970) 493-2196 - View Map

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Picking the best insurance agent should depend on more than just the price. Before buying a policy in Fort Collins, get answers to these questions.