Find Affordable Mercedes-Benz C350 Insurance in Columbus

Discount Mercedes-Benz C350 insuranceA recent study showed that the vast majority of consumers renewed their policy with the same company for at least the last four years, and almost half have never compared rates with other companies. With the average insurance premium being $1,343, Ohio drivers could pocket $730 a year, but most just don’t grasp the big savings they would realize if they changed companies.

The easiest way to get more affordable car insurance rates is to compare prices regularly from insurance carriers in Columbus.

First, gain an understanding of how auto insurance works and the measures you can take to keep rates in check. Many risk factors that drive up the price such as speeding tickets, careless driving and a bad credit rating can be amended by paying attention to minor details.

Second, compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from one company like GEICO or Farmers Insurance, while independent agencies can provide prices for a wide range of insurance providers.

Third, compare the price quotes to your current policy premium to determine if switching companies saves money. If you can save money and buy the policy, make sure coverage does not lapse between policies.

The most important part of shopping around is to use the same deductibles and limits on each quote and and to get price quotes from as many car insurance companies as possible. Doing this provides a level playing field and and a good selection of different prices.

The most recommended method to compare insurance rates in your area is to take advantage of the fact auto insurance companies allow for online access to give rate comparisons. To start a quote, the only thing you need to do is provide details including what your job is, coverage limits, how much school you completed, and if your license is active. Those rating factors is sent automatically to many of the top insurers and they provide comparison quotes instantly to find the best rate.

To check Mercedes-Benz C350 insurance prices now, click here and complete the quick form.

The providers in the list below are ready to provide price quotes in Columbus, OH. If multiple companies are listed, it’s highly recommended you visit as many as you can to find the most affordable auto insurance rates.

Mercedes-Benz C350 insurance rate analysis

The price information shown next outlines a range of prices for Mercedes-Benz C350 models. Being able to understand how policy rates are determined helps drivers make decisions on which insurance to purchase.

Mercedes-Benz C350 Insurance Rates in Columbus, OH
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $172 $366 $296 $18 $88 $940 $78
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Estimates do not factor in Columbus location which can decrease or increase rates noticeably.

Policy deductibles

The hardest decision when buying coverage is how high should the deductibles for physical damage be. The comparisons below highlight the premium difference of buying low and high physical damage coverage deductibles. The first rate quote example uses a $100 physical damage deductible and the second price table uses a $500 deductible.

Mercedes-Benz C350 insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $246 $478 $226 $14 $68 $1,057 $88
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Mercedes-Benz C350 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $180 $324 $226 $14 $68 $812 $68
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can revise auto insurance rates considerably.

We can estimate from the data above that using a $100 deductible would cost the average driver about $20 more each month or $240 annually averaged for all C350 models than selecting the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at least 20 months between claims, you would probably come out ahead if you choose the higher deductible.

The example below demonstrates how deductible levels and can influence Mercedes-Benz C350 insurance prices for different age groups. The premiums assume a married male driver, comp and collision included, and no additional discounts are factored in.

Impact of speeding/accidents on car insurance rates

The diagram below shows how speeding tickets and at-fault claims can increase Mercedes-Benz C350 insurance costs for different age groups. Data assumes a married male driver, full coverage, $250 deductibles, and no other discounts are factored in.

Liability only or full coverage

The chart below shows the comparison of Mercedes-Benz C350 insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Ohio. The rate quotes are based on a clean driving record, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.

Guidelines for eliminating full coverage

There is no definitive rule to delete comp and collision coverage, but there is a guideline you can consider. If the yearly cost of full coverage 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 say your Mercedes-Benz C350 settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If it’s costing in excess of $400 annually for full coverage, then you might consider buying liability only.

There are some cases where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should not drop full coverage.

You Can Change Your Insurance Rates

The best way to find cheaper insurance is to take a look at some of the things that help calculate the level of your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that could result in lower rates. Lots of factors are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving history, but others are less apparent like your vehicle usage or how financially stable you are.

The list below includes some of the items used by companies to determine rates.

Car insurance does more than just protect your car

Despite the high cost of buying insurance for a Mercedes-Benz C350 in Columbus, insurance serves several important purposes.

The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. But the average driver in Ohio overpays more than $830 a year so it’s recommended you shop around at every renewal to be sure current rates are still competitive.