How many times have you put off comparing quotes for the cheapest Mercedes-Benz C350 insurance in Detroit? If online insurance comparisons are new to you, by this point your are probably bewildered by the large number of insurance providers competing for business in Detroit.
It’s an obvious statement that insurance companies don’t want you to look for cheaper rates. People who do rate comparisons will presumably move their business because they stand a good chance of getting low-cost coverage. A study discovered that drivers who compared rates annually saved $3,450 over four years as compared to drivers who never compared rates.
If saving the most money on car insurance in Detroit is your goal, then having some knowledge of how to choose a company and compare cheaper coverage can make the process more efficient.
It is always a good idea to quote other rates every six months due to the fact that insurance prices trend upward over time. If you had the lowest rate on Mercedes-Benz C350 insurance in Detroit a few years ago there may be better deals available now. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best methods to get good coverage on Mercedes-Benz C350 insurance in Detroit at a lower rate.
If you have a current auto insurance policy, you should be able to find better prices using this information. Getting quotes for the cheapest coverage in Detroit is not as confusing as people think. But Michigan consumers must comprehend how the larger insurance companies calculate your policy premium because rates are impacted by many factors.
Companies offering Mercedes-Benz C350 insurance in Michigan
The following companies are our best choices to provide free quotes in Detroit, MI. To locate cheap auto insurance in Michigan, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Mercedes-Benz C350 detailed coverage information
The rate information displayed below outlines detailed analysis of insurance coverage prices for Mercedes-Benz C350 models. Having knowledge of how policy rates are established can help drivers make smart buying decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $398 | $866 | $898 | $54 | $268 | $2,484 | $207 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rate information does not factor in garaging location in Detroit which can lower or raise rates considerably.
Score discounts on Detroit insurance
Some companies don’t list the complete list of policy discounts in an easy-to-find place, so the next list breaks down a few of the more well known and also the more inconspicuous credits that may apply to you.
- New Vehicle Savings – Putting insurance on a new C350 may earn a small discount compared to insuring an older model.
- No Claim Discounts – Detroit drivers who stay claim-free can save substantially in comparison with drivers who are more careless.
- Good Student – A discount for being a good student could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
- Sign Online – Some of the larger companies will give a small break for completing your application over the internet.
- Braking Control Discount – Cars that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
- Senior Discount – Seniors can get reduced rates.
- Discounts for Government Workers – Active or retired federal employment can earn a discount up to 10% with select insurance companies.
Consumers should know that most discounts do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, it just doesn’t work that way.
The chart below illustrates the difference between Mercedes-Benz C350 premium costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Michigan state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, claim-free, homeowner, and safe-driver discounts applied.
To find insurance companies with the best discounts in Michigan, click here.
Car insurance can get complicated
When selecting your policy for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different and your car insurance should unique, too.
Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.
- Is my nanny covered when driving my vehicle?
- Do I have coverage for damage caused while driving under the influence?
- Is a driver training discount available?
- What is medical payments coverage?
- Do I have coverage if I rent a car in Mexico?
- Can I insure my car for more than it’s worth?
- Am I covered if my car is in a flood?
- Why am I required to get a high-risk car insurance policy?
- Can my teen drive my company car?
- Should I buy full coverage?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.
Buying insurance from Detroit insurance agencies
A lot of people prefer to go talk to an agent and that can be a smart move One of the great benefits of comparing rates online is that you can find lower rates and still have an agent to talk to.
Once you complete this quick form, your coverage information is immediately sent to participating agents in Detroit that can provide free Detroit car insurance quotes for your coverage. You don’t have to leave your house due to the fact that quote results will go immediately to you. It’s the lowest rates without a big time investment. In the event you want to get a rate quote for a specific company, you would need to jump over to their website and give them your coverage information.
Finding the right provider requires you to look at more than just the premium amount. Get answers to these questions too.
- What are the financial ratings for the companies they represent?
- Is there any savings for paying the full premium?
- Will they make sure you get an adequate claim settlement?
- Are claims handled at the agent’s location?
- Are there any discounts that you might be missing?
- Are aftermarket or OEM parts used to repair vehicles?
- Is there a 24/7 contact number?
Types of auto insurance agents in Detroit
When narrowing the list to find a reliable agent, it can be helpful to understand the different types of agencies from which to choose. Agencies in Detroit can be categorized as either exclusive or independent agents depending on their company appointments.
Exclusive Insurance Agents
Exclusive agents work for only one company and examples are State Farm, AAA, Farmers Insurance or Allstate. These agents are not able to give you multiple price quotes so you need to shop around if the rates are high. Exclusive agents are very knowledgeable on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to buy from exclusive agents primarily because of loyalty to the company rather than having the cheapest rates.
Shown below are Detroit exclusive agents who may provide you with comparison quotes.
- Kenya Wells – State Farm Insurance Agent
20021 Kelly Rd – Detroit, MI 48225 – (313) 822-5948 – View Map - John Cash – State Farm Insurance Agent
19203 Grand River Ave – Detroit, MI 48223 – (313) 537-1200 – View Map - Jim Saucedo – State Farm Insurance Agent
5602 Vernor Hwy – Detroit, MI 48209 – (313) 841-8100 – View Map
Independent Insurance Agencies
These type of agents are not employed by one company so they can quote policies through lots of different companies and potentially find a lower price. If they find a lower price, they simply switch companies in-house and you won’t have to switch agencies.
When comparing rates, you will definitely want to check rates from several independent agencies for the best price selection. They also have the ability to place coverage with additional companies that you may not be familiar with who may have lower rates.
The following is a list of independent agents in Detroit that can give you comparison quotes.
- Insurance Services of Michigan
615 Griswold St Griswold – Detroit, MI 48226 – (313) 963-7170 – View Map - Dave Gilead Insurance Agency
18323 W McNichols Rd – Detroit, MI 48219 – (313) 533-3220 – View Map - Look! Insurance
11324 W Jefferson Ave # 1 – River Rouge, MI 48218 – (888) 566-5467 – View Map
Specifics of your insurance policy
Understanding the coverages of insurance can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.
Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz C350.
Due to the fact that many Michigan drivers only carry the minimum required liability limits (20/40/10), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like nursing services, doctor visits, surgery and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like damaging your car on a curb, hitting a mailbox, sustaining damage from a pot hole, rolling your car and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible on your C350 to save money on collision insurance.
Comprehensive insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive can pay for things such as rock chips in glass, hitting a bird, vandalism and fire damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Auto liability – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 20/40/10 that translate to $20,000 bodily injury coverage, $40,000 for the entire accident, and a limit of $10,000 paid for damaged property.
Liability insurance covers things such as pain and suffering, funeral expenses, legal defense fees and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible. Michigan state minimum liability requirements are 20/40/10 but you should think about purchasing more coverage.
The chart below shows why buying the state minimum limits may not provide adequate coverage.
Final considerations
We just presented a lot of ways to find cheaper Mercedes-Benz C350 insurance in Detroit. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even be surprised to find that the lowest car insurance rates are with the smaller companies. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive and GEICO.
As you quote Detroit car insurance, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone dropped uninsured motorist or liability limits only to find out that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.
How to buy lower priced Mercedes-Benz C350 insurance in Detroit
If you want to find the absolute lowest rates, then the best way to get cheaper auto insurance rates is to compare prices once a year from insurance carriers who sell auto insurance in Detroit. Prices can be compared by following these guidelines.
First, try to understand the coverage provided by your policy and the measures you can take to prevent high rates. Many factors that result in higher prices like getting speeding tickets and a negative credit score can be improved by paying attention to minor details.
Second, compare prices from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can provide rates from a single company like GEICO or State Farm, while agents who are independent can give you price quotes from multiple sources. Click to view companies
Third, compare the new quotes to the premium of your current policy to see if switching to a new carrier will save money. If you find better rates and buy the policy, ensure there is no coverage lapse between policies.
Fourth, give proper notification to your current agent or company to cancel your current car insurance policy and submit payment and a signed application to the new company. Be sure to keep your new proof of insurance certificate in an accessible location in your vehicle.
A valuable tip to remember is to make sure you’re comparing similar limits and deductibles on each price quote and and to compare as many companies as you can. This provides a level playing field and the best price selection.
Even more information is located at these sites:
- Learn About Car Insurance (GEICO)
- Who Has Affordable Detroit Auto Insurance for Business Use? (FAQ)
- How Much are Auto Insurance Quotes for a Company Car in Detroit? (FAQ)
- How Much Does Car Insurance Go Up After a Speeding Ticket? (DetroitInsure.com)
- Vehicle Safety Ratings (iihs.org)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Institute)
- Alcohol Impaired Driving FAQ (iihs.org)