Cheapest Insurance for a Mercedes-Benz C350 in Baltimore

The best way we recommend to find lower priced auto insurance rates is to begin comparing prices regularly from insurers in Baltimore.

First, spend some time learning about how insurance companies determine prices and the steps you can take to prevent high rates. Many things that cause rate increases like speeding tickets, careless driving and a poor credit rating can be eliminated by making small lifestyle or driving habit changes. Later in this article we will cover additional tips to get better rates and find missing discounts.

Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agencies can give you price quotes for a wide range of companies.

Third, compare the new quotes to your current policy to see if cheaper C350 coverage is available. If you can save money and decide to switch, make sure coverage is continuous and does not lapse.

Fourth, notify your current company to cancel the current policy and submit payment and a signed application to your new insurance company. When you receive it, safely store the certificate verifying proof of insurance along with your vehicle registration.

A good tip to remember is to use similar limits and deductibles on every quote and and to get prices from every company you can. This provides a level playing field and a thorough selection of prices.

A recent study showed that nearly 70% of customers kept buying from the same company for at least four years, and practically 40% of car insurance customers have never even compared quotes to find lower-cost rates. With the average car insurance premium being $1,847, U.S. drivers can cut their rates by up to 46.5% a year just by comparing rates, but most just don’t grasp how much money they would save if they switched.

Choosing the best rates in Baltimore can be much easier if you know how to start. If you currently have a car insurance policy, you will definitely be able to find better prices using the ideas covered in this article. Shoppers just have to learn the best way to compare rates online.

Companies offering competitive Mercedes-Benz C350 rates in Baltimore, MD

The providers in the list below are our best choices to provide free quotes in Baltimore, MD. To locate cheap car insurance in MD, it’s a good idea that you visit two to three different companies to find the lowest car insurance rates.

Insurance coverage analysis

The information below outlines different insurance policy prices for Mercedes-Benz C350 models. Having insight into how prices are figured can assist in making decisions when shopping around.

Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Rates do not factor in your specific Baltimore location which can revise prices greatly.

Physical damage deductibles: Should you raise them?

The hardest decision when buying coverage is where should you set your physical damage deductibles. The rates below approximate how much more rates are of buying low and high coverage deductibles. The first rate estimation uses a $250 deductible for comprehensive and collision coverage and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Baltimore which can raise or lower premium rates considerably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $20 more each month or $240 a year averaged for all C350 models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to have at a minimum 13 months between claims, you would save more money if you choose the higher deductible.

How careless driving impacts insurance rates

The illustration below illustrates how speeding tickets and at-fault claims drive up Mercedes-Benz C350 insurance premiums for different insured age categories. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.

Annual premiums for males compared to females

The example below shows the comparison of Mercedes-Benz C350 annual premium costs for male and female drivers. The price estimates are based on no claims or violations, full physical damage coverage, $100 deductibles, single marital status, and no policy discounts are applied.

Reduce your car insurance rates with discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts to reduce the price significantly. Some trigger automatically at the time you complete a quote, but a few must be specifically requested before being credited.

• Discounts for New Vehicles – Insuring a vehicle that is new can save you some money since new model year vehicles have better safety ratings.
• Telematics Devices – People who choose to allow companies to spy on their driving habits remotely like Allstate’s Drivewise could save a few bucks as long as the data is positive.
• Senior Citizens – Drivers over the age of 55 may be able to get a discount up to 10%.
• Discounts for Good Drivers – Safe drivers may receive a discount up to 45% than less cautious drivers.
• Paperless Signup – A few larger online companies give back up to $50 just for signing your application digitally online.
• Seat Belts Save – Drivers who require all vehicle occupants to buckle up could save 15% on the premium charged for medical payments and/or PIP.
• No Claim Discounts – Drivers with accident-free driving histories pay much less as opposed to bad drivers.
• Life Insurance Discount – Select insurance companies reward you with a break if you buy some life insurance too.
• Early Switch Discount – Some car insurance companies give discounts for switching policies before your current expiration date. It can save you around 10%.

As a footnote on discounts, most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, companies don’t profit that way.

The diagram below visualizes the comparison of Mercedes-Benz C350 auto insurance costs with and without discounts applied. The prices are based on a female driver, no driving violations, no at-fault accidents, Maryland state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, multi-policy, homeowner, and marriage discounts applied.

A few of the larger companies and some of the premium reductions they offer are included below.

• Farmers Insurance offers discounts for youthful driver, homeowner, switch companies, mature driver, good student, multi-car, and distant student.
• State Farm policyholders can earn discounts including multiple autos, accident-free, multiple policy, driver’s education, good driver, and Steer Clear safe driver discount.
• Liberty Mutual has savings for safety features, good student, new graduate, new vehicle discount, and multi-car.
• MetLife offers premium reductions for good student, claim-free, defensive driver, multi-policy, and accident-free.
• Progressive includes discounts for multi-vehicle, continuous coverage, multi-policy, homeowner, online quote discount, and online signing.

Before you buy a policy, ask each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders everywhere. To find insurance companies who offer car insurance discounts in Maryland, click here to view.

How to know if you need help

Keep in mind that when it comes to choosing a policy for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different.

These are some specific questions might help in determining if you could use an agent’s help.

• Will damage be repaired with OEM parts?
• Is business property covered if stolen from my car?
• Why do I only qualify for high-risk insurance?
• Which companies will insure me after a DUI?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is my Mercedes-Benz C350 covered for smoke damage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Do I need an insurance agent?

A lot of people just want to talk to a local agent and that is recommended in a lot of cases Good agents can answer important questions and help submit paperwork. The best thing about comparing rates online is that you can obtain cheap insurance rates but still work with a licensed agent.

To make it easy to find an agent, after completing this form (opens in new window), your insurance data is immediately sent to agents in your area who will give competitive quotes for your business. You never need to contact an agency because quoted prices will be sent to you directly. If you have a need to get a price quote from a specific company, don’t hesitate to go to their quote page and give them your coverage information.

Finding the right company is decision based upon more than just the price. The questions below may impact your decision as well.

• How is replacement cost determined on your vehicle?
• Are all drivers listed on the coverage quote?
• How much can you save by raising your physical damage deductibles?
• Does their agency support local causes in Baltimore?
• Is there any savings for paying the full premium?
• Do they write coverage based solely on cost?

Cheap rates are available

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In many instances, someone sacrificed comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the best price.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, policy non-renewal and policy cancellation. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

Cheaper Mercedes-Benz C350 insurance in Baltimore can be found from both online companies and from local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers may not offer internet price quotes and these smaller companies only sell through independent agencies.

More tips and info about car insurance can be found in the articles below:

• Senior Drivers (Insurance Information Institute)
• What Car Insurance is Cheapest for Safe Drivers in Baltimore? (FAQ)
• How Much is Auto Insurance for First-time Drivers in Baltimore? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Coverage Information (Progressive Insurance)
• Vehicle Size and Weight FAQ (iihs.org)