Affordable Rates for Mercedes-Benz E350 Insurance in Irvine

Everyone knows that car insurance companies want to keep your business as long as possible. Insureds who shop around for the cheapest rate will, in all likelihood, buy a new policy because there is a good chance of finding more affordable rates. Remarkably, a study showed that consumers who make a habit of shopping around saved $70 a month as compared to drivers who don’t make a habit of comparing rates.

If saving money on car insurance is the reason you’re here, learning how to find companies and compare auto insurance can make shopping around easier.

Truthfully, the best way to get discount Mercedes-Benz E350 insurance is to do an annual price comparison from different companies in Irvine.

• First, spend a few minutes and learn about the different coverages in a policy and the factors you can control to prevent expensive coverage. Many things that result in higher rates such as accidents, careless driving, and a negative credit score can be remedied by paying attention to minor details. Later in this article we will cover more details to get cheaper rates and earn a bigger discount.
• Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes from many different companies.
• Third, compare the price quotes to your existing coverage to see if a cheaper rate is available. If you find better rates and switch companies, make sure there is no coverage gap between policies.
• Fourth, notify your company or agent to cancel your current car insurance policy and submit a completed application and payment to your new company or agent. Once the application is submitted, keep your new proof of insurance paperwork in a readily accessible location in your vehicle.

One piece of advice is that you use similar limits and deductibles on every quote and and to get price estimates from as many car insurance companies as possible. Doing this helps ensure a fair rate comparison and many rates to choose from.

The easiest way to compare insurance rates from multiple companies takes advantage of the fact most insurance companies actually pay money for the chance to compare their rates. All consumers are required to do is provide information including how much school you completed, which vehicles you own, if a SR-22 is required, and whether the vehicles are used for commuting. That information is instantly sent to multiple companies and they return rate quotes very quickly.

To check rates for your Mercedes-Benz E350 now, click here then complete the form.

The companies in the list below can provide free rate quotes in Irvine, CA. To buy cheap auto insurance in CA, we suggest you visit several of them in order to get a fair rate comparison.

These discounts can reduce Mercedes-Benz E350 insurance rates

Some insurers don’t always list all available discounts very clearly, so we researched both well-publicized and the harder-to-find credits available to bring down your rates.

• Senior Citizens – Drivers that qualify as senior citizens are able to get a discount up to 10%.
• Anti-lock Brakes – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Save with More Vehicles Insured – Purchasing coverage when you have all your vehicles on the same insurance policy can reduce rates for all insured vehicles.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Accident Forgiveness – Not necessarily a discount, but companies like Liberty Mutual, GEICO and Allstate will allow you to have one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
• Savings for New Vehicles – Putting coverage on a new E350 may earn a small discount because new vehicles have to meet stringent safety requirements.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance.
• Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
• Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% depending on your company.

Remember that some of the credits will not apply to the entire cost. A few only apply to specific coverage prices like liability, collision or medical payments. So when the math indicates you could get a free insurance policy, it just doesn’t work that way.

The chart below illustrates the difference between Mercedes-Benz E350 annual premium costs with and without discounts applied to the rates. The rates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, homeowner, multi-policy, claim-free, and marriage discounts applied.

A list of insurance companies and the discounts they provide are:

• Travelers has savings for new car, multi-car, early quote, student away at school, home ownership, and hybrid/electric vehicle.
• 21st Century includes discounts for anti-lock brakes, automatic seat belts, early bird, homeowners, good student, and driver training.
• State Farm may have discounts that include Drive Safe & Save, anti-theft, multiple policy, defensive driving training, multiple autos, and driver’s education.
• GEICO may offer discounts for federal employee, military active duty, five-year accident-free, driver training, air bags, and emergency military deployment.
• SAFECO offers discounts for anti-lock brakes, drive less, teen safety rewards, safe driver, and accident prevention training.
• AAA has discounts for good student, education and occupation, AAA membership discount, multi-car, and anti-theft.

If you are trying to find the cheapest Mercedes-Benz E350 rate quotes, ask each company or agent which discounts you qualify for. Savings may not be available in Irvine.

Mercedes-Benz E350 coverage statistics

The premium information shown next showcases detailed analysis of insurance coverage prices for Mercedes-Benz E350 models. Learning how insurance premiums are formulated can help you make informed purchases.

Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Rate quotes do not factor in garaging location in Irvine which can impact coverage rates substantially.

Higher deductibles lower rates

One of the more difficult decisions when buying car insurance is what deductibles to buy. The tables below summarize the difference in cost when you choose different comp and collision deductibles. The first data table uses a $100 physical damage coverage deductible and the second pricing table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, multi-vehicle, and claim-free. Estimates do not factor in vehicle garaging location which can impact price quotes substantially.

Using the data above, we can ascertain that using a $100 deductible will cost you roughly $64 more each month or $768 each year averaged for all E350 models than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you have at least 14 months between claims, you would most likely save money if you elect the higher deductible.

Choices You Make Can Impact Your Insurance Prices

Smart consumers have a good feel for some of the things that aid in calculating the price you pay for insurance. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that could help you find better insurance rates. Lots of things are taken into consideration when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although some other factors are less obvious like where you live or your financial responsibility.

The itemized list below are some of the items used by insurance companies to determine rates.

• Liability coverage preserves assets – The liability coverage on your policy is the protection if ever a court rules you are at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive compared to comp and collision, so drivers should buy more than the minimum limits required by law.
• Continuous coverage lowers premiums – Driving without insurance can get you a ticket and your next policy will cost more because you let your insurance lapse for non-payment. Not only will you pay higher rates, not being able to provide proof of insurance could result in a revoked license or a big fine.
• Marriage is a factor – Having a spouse may cut your premiums on your insurance bill. Marriage demonstrates that you tend to be more financially stable and it’s statistically proven that married drivers get in fewer accidents.
• If you don’t need it don’t buy it – There are a lot of additional extra coverages you can purchase when buying insurance. Things like vanishing deductibles, accidental death, and extra equipment coverage are probably not needed. These coverages may sound good when deciding what coverages you need, but now you might not need them so think about removing them and cutting costs.

• Age of drivers – Drivers with little experience are proven to be more careless in a vehicle and because of this, their insurance rates are much higher. Older drivers tend to be more responsible, tend to cause fewer accidents, and receive fewer citations.

  The following data is based on a single driver, full coverage with $100 deductibles, and no discounts or violations.

• Safer the car lower the rate – Safe vehicles get lower rates. Safer cars help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less and lower rates for you. If your Mercedes-Benz E350 earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

• Gender is a factor – Statistics show that women are safer drivers than men. However, don’t assume that men are worse drivers. Females and males cause fender benders at about the same rate, but the males have costlier accidents. Men also tend to receive more costly citations like reckless driving and DUI. Male drivers age 16 to 19 generally have the highest accident percentage so it costs more to insure them.

  The chart below illustrates the comparison of Mercedes-Benz E350 premium costs for male and female drivers. The premiums are based on no accidents, no driving violations, full physical damage coverage, $250 deductibles, single status, and no discounts are applied.

Exclusive or independent insurance agencies

A small number of people just want to buy from a local agent and there is nothing wrong with that. Insurance agents can make sure you are properly covered and help you file claims. One of the benefits of comparing rate quotes online is that you can obtain cheap rate quotes and still have a local agent.

To make it easy to find an agent, after completing this simple form, your insurance data is sent to insurance agents in Irvine who will give you quotes for your coverage. It makes it easy because there is no need to contact an agency as quotes are delivered immediately to you. If you wish to get a rate quote from one company in particular, you can always navigate to their website and fill out the quote form the provide.

Picking the best company requires more thought than just the price. Any agent in Irvine should have no problem answering these questions:

• Is auto insurance their primary focus in Irvine?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Are there any discounts that you might be missing?

Shown below are agents in Irvine who can help you get rate quotes for Mercedes-Benz E350 insurance in Irvine.

• AIS | Auto Insurance Specialists | Irvine
  16969 Von Karman Ave #100 – Irvine, CA 92606 – (949) 660-7061 – View Map
• John Luithly – State Farm Insurance Agent
  16277 Laguna Canyon Rd F – Irvine, CA 92618 – (949) 727-4442 – View Map
• Isu Insurance Services Irvine
  18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100 – View Map
• Farmers Insurance – Berdy Gonzalez-Lubnau
  41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623 – View Map

More Irvine agents

Best auto insurance company in California

Buying coverage from a good quality insurance provider can be challenging considering how many companies sell insurance in Irvine. The rank data below could help you analyze which coverage providers you want to consider buying from.

Top 10 Irvine Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top 10 Irvine Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Persistence will pay off

Insureds change insurance companies for a number of reasons such as denial of a claim, poor customer service, questionable increases in premium and extreme rates for teen drivers. Regardless of your reason, choosing a new insurance company can be pretty painless.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, consumers will sacrifice comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your objective should be to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

The cheapest Mercedes-Benz E350 insurance in Irvine can be bought from both online companies in addition to many Irvine insurance agents, and you should be comparing both so you have a total pricing picture. Some auto insurance companies don’t offer rate quotes online and these small insurance companies provide coverage only through local independent agents.

More detailed auto insurance information can be read in the articles below:

• What is a Telematics Device? (Allstate)
• What Auto Insurance is Cheapest for Infrequent Drivers in Irvine? (FAQ)
• Who Has the Cheapest Auto Insurance Rates for Welfare Recipients in Irvine? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Honda Pilot in Irvine? (FAQ)
• Who Has the Cheapest Irvine Car Insurance for a Honda Accord? (FAQ)
• Teen Driving Statistics (iihs.org)
• Avoiding Deer Collisions (Insurance Information Institute)