Trying to find cheap Mercedes-Benz C350 insurance in Colorado Springs might be kind of frustrating for drivers new to online insurance quotes. With so many companies competing online, it can be a chore to find the lowest price on Mercedes-Benz C350 insurance.
Amazingly, over 70% of consumers kept their coverage with the same auto insurance company for over three years, and just short of a majority have never even shopped around for cheap coverage. Consumers in Colorado could save themselves approximately $600 a year just by getting comparison quotes, but they underestimate the amount of savings they would get if they swap their current policy for a cheaper one.
The quickest way to compare rates for Mercedes-Benz C350 insurance in Colorado Springs takes advantage of the fact almost all companies allow for online access to provide you with a free rate quote. To get started, all you need to do is give the companies some data such as your occupation, if you went to college, deductibles desired, and if it has an alarm system. Your details is then sent to multiple auto insurance providers and you should receive rate quotes immediately.
To find lower cheap Mercedes-Benz C350 insurance rates now, click here and enter the information requested.
The providers in the list below provide comparison quotes in Colorado Springs, CO. If multiple providers are shown, we suggest you compare several of them in order to get a fair rate comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C350 W 4-Dr Sedan||$238||$490||$396||$24||$118||$1,266||$106|
|Get Your Own Custom Quote Go|
Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, homeowner, and multi-vehicle. Rates do not factor in your specific Colorado Springs location which can raise or lower prices substantially.
Auto insurance premiums by gender
The example below visualizes the comparison of Mercedes-Benz C350 premium costs for male and female drivers. The premiums assume no claims or violations, full coverage, $100 deductibles, single marital status, and no additional discounts are factored in.
Full coverage rates vs. liability-only
The diagram below shows the difference between Mercedes-Benz C350 annual premium costs with full coverage compared to only the Colorado minimum liability coverage. The prices are based on no driving violations, no at-fault accidents, $500 deductibles, married male driver, and no other discounts are factored in.
When to stop paying for full coverage
There is no exact rule for excluding physical damage coverage on your policy, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let's pretend your Mercedes-Benz C350 book value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If premiums are more than $600 annually to have full coverage, then it's probably a good time to buy liability coverage only.
There are some situations where eliminating full coverage is not recommended. If you haven't satisfied your loan, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not buy liability only.
Insurance rate increases from tickets or accidents
The diagram below highlights how traffic violations and at-fault collisions influence Mercedes-Benz C350 insurance rates for different ages of insureds. The rates are based on a single female driver, full physical damage coverage, $250 deductibles, and no additional discounts are factored in.
There's no such thing as the perfect insurance policy
When quoting and comparing coverage, there really is not a one-size-fits-all type of policy. Your needs are unique to you.
These are some specific questions might help in determining whether your personal situation would benefit from an agent's advice.
- What if an uninsured driver hits me?
- Am I missing any policy discounts?
- Should I have a commercial auto policy?
- Am I covered when driving a rental car?
- What if I don't agree with a claim settlement offer?
- Does low annual mileage earn a discount?
- Can I rent a car in Mexico?
- Should I buy full coverage?
- Is borrowed equipment or tools covered if stolen or damaged?
- What policy terms are available?
If it's difficult to answer those questions, you might consider talking to an insurance agent. If you don't have a local agent, fill out this quick form.
Shop online but buy locally
A lot of people just want to get advice from a local agent and that can be a smart move A nice benefit of getting online price quotes is that you can obtain cheap rate quotes and still have an agent to talk to. And providing support for neighborhood insurance agencies is important especially in Colorado Springs.
Upon completion of this simple form, your insurance coverage information gets sent to local insurance agents in Colorado Springs that provide free Colorado Springs auto insurance quotes for your insurance coverage. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go directly to your email. You can get cheaper auto insurance rates and work with a local agent. If for some reason you want to compare rates from a specific auto insurance provider, feel free to visit that company's website and fill out the quote form the provide.
Pick the best car insurance agent in Colorado Springs for you
If you want a reliable agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Agents in Colorado Springs are categorized either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agencies or Brokers
Agents in the independent channel do not write with just one company and that is an advantage because they can write policies with multiple insurance companies and get the cheapest rates. To transfer your coverage to a different company, the business is moved internally and the insured can keep the same agent.
If you are comparing rate quotes, you will definitely want to get insurance quotes from at a minimum one independent agency so that you can do a thorough price comparison. Most can insure with small mutual carriers which may provide better rates.
Featured below are Colorado Springs independent insurance agents that may be able to provide free price quotes.
- O'Donnell Agency Inc
707 S Tejon St - Colorado Springs, CO 80903 - (719) 227-7100 - View Map
- Southern Colorado Insurance Center
4390 Academy Blvd N - Colorado Springs, CO 80918 - (719) 329-4441 - View Map
- Springs Insurance Brokers
1837 Austin Bluffs Pkwy #101 - Colorado Springs, CO 80918 - (719) 268-1300 - View Map
Exclusive Insurance Agents
These type of agents can only quote rates from one company and examples are State Farm, Allstate, and Farm Bureau. These agents are not able to place coverage with different providers so they have to upsell other benefits. Exclusive agents receive a lot of sales training on sales techniques and that allows them to sell at a higher price point. Consumers often buy from the same agent for years primarily because of loyalty to the company rather than low price.
Listed below are exclusive insurance agencies in Colorado Springs who can help you get price quote information.
- Progressive Insurance
12710 Voyager Pkwy - Colorado Springs, CO 80921 - (719) 582-2759 - View Map
- Kelly Muse - State Farm Insurance Agent
1635 W Uintah St D - Colorado Springs, CO 80904 - (719) 329-1818 - View Map
- Chris Sutherland - State Farm Insurance Agent
6130 Barnes Rd #104 - Colorado Springs, CO 80922 - (719) 598-8211 - View Map
Picking an auto insurance agent is decision based upon more than just the bottom line cost. The following questions are important to ask.
- Is the agent properly licensed in Colorado?
- Do you qualify for any additional discounts?
- Do they have designations such as AIC, CPCU, or CIC?
- Is there any savings for paying the full premium?
- How would your car be valued if totalled?