Want to know how to find more affordable Mercedes-Benz C350 insurance in Orlando? Searching for the cheapest insurance for a new or used Mercedes-Benz C350 in Florida can be a painful process, but you can learn a few tricks to make it easier. There are more efficient ways to compare car insurance rates so we’re going to tell you the proper way to price shop coverage for a new or used Mercedes-Benz and locate the lowest price from both online companies and Orlando agents.
Unbelievable but true, almost 70% of drivers have stayed with the same insurance company for a minimum of four years, and just short of a majority have never taken the time to shop around. Florida consumers can cut their rates by almost 55% a year by just shopping around, but they think it’s difficult to go online and compare rates.
It’s smart to shop coverage around every six months since prices are adjusted regularly by insurance companies. Just because you had the best rates on Mercedes-Benz C350 insurance in Orlando two years ago other companies may now be cheaper. Forget all the misinformation about car insurance because you’re about to learn the fastest way to save money, get proper coverage and the best rates.
If you are insured now or are looking for a new policy, you can learn to reduce premiums without having to cut coverage. Quoting and comparing rates for the most affordable auto insurance coverage in Orlando is simple if you know the tricks. Drivers only need an understanding of the most efficient way to compare prices online.
The majority of larger companies like State Farm, GEICO and Progressive make it easy to get price estimates on their websites. Doing online price comparisons for Mercedes-Benz C350 insurance in Orlando is fairly simple as you just type in your required coverages into a form. Once you submit the form, the quote system pulls reports for credit and driving violations and generates a price based on the data you entered.
Being able to quote online for Mercedes-Benz C350 insurance in Orlando streamlines rate comparisons, and it is important to get many rate quotes in order to find the lowest payment possible.
To get comparison pricing now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you duplicate the insurance coverages as close as possible to your current policy. This ensures you are getting a rate comparison based on identical coverages.
The providers in the list below provide price quotes in Florida. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get the most affordable price.
Insurance policy discounts for Mercedes-Benz C350 insurance in Orlando
Auto insurance companies don’t always publicize the entire discount list in an easy-to-find place, so we break down both well-publicized in addition to some of the lesser obvious credits that may apply to you.
- Early Switch Discount – Some insurance companies give discounts for switching policies prior to your current C350 insurance policy expiring. This discount can save up to 10%.
- Passenger Safety Discount – Vehicles equipped with air bags or automatic seat belts may get savings of 25 to 30%.
- Drive Safe and Save – Safe drivers may save up to 50% more compared to accident prone drivers.
- Save with More Vehicles Insured – Buying coverage for more than one vehicle on the same insurance policy can get a discount for every vehicle.
- Life Insurance Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy some life insurance in addition to your auto policy.
- Seat Belts Save – Requiring all passengers to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
As a sidenote, most discounts do not apply to your bottom line cost. Some only reduce individual premiums such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.
The chart below visualizes the comparison of Mercedes-Benz C350 auto insurance rates with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, Florida state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, claim-free, homeowner, safe-driver, multi-policy, and multi-car discounts applied.
A list of companies and their offered discounts are outlined below.
- GEICO policyholders can earn discounts including anti-theft, good student, defensive driver, emergency military deployment, and multi-vehicle.
- USAA offers discounts including driver training, multi-policy, vehicle storage, good student, safe driver, loyalty savings, and new vehicle.
- Progressive may have discounts that include multi-vehicle, online signing, online quote discount, homeowner, and multi-policy.
- American Family may offer discounts for mySafetyValet, early bird, accident-free, defensive driver, multi-vehicle, Steer into Savings, and air bags.
- Esurance includes discounts for DriveSense, safety device, Pac-12 alumni, anti-theft, online quote, online shopper, and homeowner.
- Farmers Insurance has savings for pay in full, mature driver, electronic funds transfer, early shopping, switch companies, bundle discounts, and multi-car.
- State Farm has discounts for multiple autos, passive restraint, Drive Safe & Save, anti-theft, and driver’s education.
Check with each company which discounts you qualify for. Some discounts listed above might not be offered in every state. To see a list of companies who offer discounts in Orlando, click here.
Auto insurance analysis for a Mercedes-Benz C350
The data table displayed below showcases detailed analysis of coverage prices for Mercedes-Benz C350 models. Learning a little about how auto insurance policy rates are determined can be valuable when making decisions on the best policy coverages.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $250 | $464 | $418 | $24 | $124 | $1,280 | $107 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Information does not factor in Orlando location which can alter coverage prices noticeably.
Physical damage deductibles: Should you raise them?
One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The data tables below illustrate the premium difference when you select higher and lower physical damage deductibles. The first data table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $406 | $736 | $418 | $24 | $124 | $1,733 | $144 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $330 | $594 | $418 | $24 | $124 | $1,490 | $124 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific location information which can impact premium rates greatly.
Based on these figures, using a $250 deductible will cost you about $20 more each month or $240 annually averaged for all C350 models than requesting the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you normally average at a minimum 13 months between claims, you would probably save some money by going with a higher deductible.
How to calculate deductible break even point
| Average monthly premium for $250 deductibles: | $144 |
| Average monthly premium for $500 deductibles (subtract): | – $124 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 13 months |
The illustration below shows how different deductible levels and can raise or lower Mercedes-Benz C350 premium costs for each different age group. The rate quotes are based on a married female driver, full coverage, and no other discounts are factored in.
Accidents and violations increase rates
The diagram below demonstrates how traffic citations and at-fault collisions increase Mercedes-Benz C350 car insurance costs for each different age group. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Rate comparison of men versus women in Orlando
The diagram below visualizes the comparison of Mercedes-Benz C350 car insurance costs for male and female drivers. The data is based on no claims, a clean driving record, comp and collision included, $250 deductibles, drivers are single, and no policy discounts are applied.
Price comparison of only insuring for liability
The illustration below illustrates the difference between Mercedes-Benz C350 insurance prices with full coverage compared to only the Florida minimum liability coverage. The information is based on a clean driving record, no claims, $250 deductibles, single marital status, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no set guideline for phasing out full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then it might be time to buy liability only.
For example, let’s say your Mercedes-Benz C350 claim settlement value is $9,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after paying your policy deductible. If you are currently paying more than $800 annually to have full coverage, then it may be the right time to buy liability only.
There are some conditions where only buying liability is not in your best interest. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should keep full coverage in place.
What if I want to buy from local Orlando auto insurance agents?
Certain consumers just prefer to buy from a licensed agent and that is recommended in a lot of cases Professional agents can point out coverage gaps and help submit paperwork. One of the best bonuses of comparing rate quotes online is the fact that you can find the lowest rates and still have a local agent.
For easy comparison, once you complete this short form, your insurance data gets sent to local insurance agents in Orlando that can give you free Orlando car insurance quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent directly to you. If you have a need to compare rates from a specific insurance company, you can always navigate to their website and fill out the quote form the provide.
Finding a good insurance company shouldn’t rely on just a cheap price quote. Before buying a policy in Orlando, get answers to these questions.
- Are all drivers listed on the coverage quote?
- Are there any discounts that you might be missing?
- Who are their largest clients?
- Do they have designations such as AIC, CPCU, or CIC?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- How does the company pay claims for a total loss?
- Is vehicle mileage a factor when determining depreciation for repairs?
When researching a reputable agency, it can be helpful to understand the different agency structures from which to choose. Auto insurance agencies can either be independent agents or exclusive agents depending on their employer. Both sell auto insurance policies, but it’s good to learn how they are different since it could factor into the selection process.
Exclusive Insurance Agents
Exclusive insurance agents can only write with one company such as Allstate and State Farm. These agents are not able to provide other company’s prices so they have to upsell other benefits. They are very knowledgeable on the products they sell and that enables them to sell even at higher rates. Consumers frequently buy from the same agent for years partially due to high brand loyalty and strong financial ratings.
The following is a short list of exclusive insurance agencies in Orlando that can give you comparison quotes.
- Bill Cordy – State Farm Insurance Agent
2737 N Hiawassee Rd – Orlando, FL 32818 – (407) 298-9996 – View Map - Allstate Insurance: Luis T. Martell
7800 W Sand Lake Rd #201 – Orlando, FL 32819 – (407) 522-9293 – View Map - GEICO Insurance Agent
5005 E Colonial Dr – Orlando, FL 32803 – (407) 897-7157 – View Map
Independent Auto Insurance Agencies
Agents that choose to be independent can sell policies from many different companies so they can write business through many companies depending on which coverage is best. If you are not satisfied with one company, they can switch companies in-house and you don’t have to switch agencies. If you need lower rates, we recommend you get several quotes from at least one independent agent so that you have a good selection of quotes to compare. Most also write with lesser-known insurance companies which can save you money.
Below are Orlando independent agents who can help you get comparison quotes.
- J Meyers Insurance Agency
5003 Old Cheney Hwy – Orlando, FL 32807 – (407) 273-0230 – View Map - J Short Insurance Agency
2901 Curry Ford Rd #212 – Orlando, FL 32806 – (407) 849-9000 – View Map - Brightway Insurance, The Ourso Agency
4100 Edgewater Dr – Orlando, FL 32804 – (407) 901-0040 – View Map
How do I know if I need professional advice?
Always keep in mind that when comparing coverage, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.
These are some specific questions may help highlight if you might need an agent’s assistance.
- Do I have coverage for damage caused while driving under the influence?
- Do I need added coverage for expensive stereo equipment?
- Do I need replacement cost coverage on my Mercedes-Benz C350?
- Are there companies who specialize in insuring high-risk drivers?
- Should I buy only the required Florida minimum liability coverage?
- Am I missing any policy discounts?
- Is coverage enough to protect my assets?
- Should I put collision coverage on all my vehicles?
If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.
How Your C350 Insurance Rates are Determined
Part of the auto insurance buying process is learning a few of the rating criteria that are used to determine your policy premiums. When you understand what determines base rates, this helps enable you to make changes that may result in lower auto insurance prices. Many factors are considered when you quote your car insurance policy. Some are pretty understandable such as your driving record, but other criteria are less obvious such as your credit history or your commute time.
The following are a partial list of the pieces used by your company to calculate your prices.
Urban residents pay more – Living in less populated areas is a good thing if you are looking for the lowest rates. City drivers tend to have congested traffic and higher rates of accident claims. Less people means less chance of accidents and lower theft and vandalism rates.
Improve your credit rating and save – Having a bad credit history can be an important factor in your rate calculation. So if your credit can use some improvement, you could pay less to insure your Mercedes-Benz C350 by spending a little time repairing your credit. Drivers who have good credit tend to file fewer claims than drivers with bad credit.
Continuous auto insurance coverage lowers prices – Driving your car without having proper coverage is a misdemeanor and companies may charge more for letting your insurance lapse for non-payment. In addition to paying higher premiums, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.
Do you really need to file those insurance claims? – Insurance companies in Florida award the best rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can look forward to much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
Save money with higher coverage deductibles – Insurance for physical damage to your car, aka comp and collision, covers damage that occurs to your Mercedes-Benz. Some examples of claims that would be covered would be a broken side mirror, damage caused by hail, or theft. Your deductibles state the amount of money you are required to spend before a claim is paid by your company. The higher the amount you have to pay, the lower your rates will be.
It may be expensive, but it’s not optional
Even though it can be expensive, buying insurance is not optional due to several reasons.
- Most states have compulsory liability insurance requirements which means state laws require specific limits of liability protection in order to drive the car. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
- If you have a lien on your vehicle, it’s guaranteed your bank will make it mandatory that you have full coverage to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the lender will be forced to insure your Mercedes-Benz for a much higher rate and force you to pay for the much more expensive policy.
- Insurance safeguards not only your Mercedes-Benz but also your assets. It will also cover most medical and hospital costs for not only you but also any passengers injured in an accident. Liability coverage also covers all legal expenses up to the policy limit if someone files suit against you as the result of an accident. If mother nature or an accident damages your car, your policy will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance are without a doubt worth the cost, especially with large liability claims. Today the average American driver is wasting up to $850 per year so compare quotes from several companies at every policy renewal to make sure the price is not too high.
Do the work, save more money
Discount Mercedes-Benz C350 insurance in Orlando is attainable from both online companies in addition to many Orlando insurance agents, and you should be comparing both to have the best selection. Some auto insurance companies do not provide online rate quotes and these small insurance companies only sell through independent agencies.
You just learned many ways to shop for Mercedes-Benz C350 insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding inexpensive Orlando car insurance quotes. Drivers may even discover the best price on auto insurance is with a small mutual company.
When shopping online for auto insurance, make sure you don’t buy poor coverage just to save money. There are too many instances where drivers have reduced full coverage only to discover later that the small savings ended up costing them much more. Your goal should be to buy a smart amount of coverage at the best cost while not skimping on critical coverages.
How to find low-cost rates for Mercedes-Benz C350 insurance in Orlando
The most effective way to save money on Mercedes-Benz C350 insurance in Orlando is to compare prices once a year from different companies in Florida. Drivers can shop around by following these steps.
- First, try to comprehend how auto insurance works and the modifications you can make to prevent expensive coverage. Many policy risk factors that cause high rates like at-fault accidents, careless driving, and a substandard credit history can be remedied by making small lifestyle or driving habit changes.
- Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from one company like GEICO or State Farm, while independent agencies can provide prices for many different companies. View companies
- Third, compare the new quotes to your current policy premium to see if a cheaper price is available. If you can save money and change companies, ensure coverage does not lapse between policies.
- Fourth, provide notification to your current company of your decision to cancel your current auto insurance policy. Submit a signed application and payment for your new policy. Once received, put the new certificate of insurance in your glove compartment.
One key aspect of rate comparisons is to make sure you enter the same coverage limits and deductibles on every quote request and and to look at as many different insurance providers as possible. Doing this guarantees a level playing field and the best price selection.
More detailed auto insurance information is located at these sites:
- Tools for Teen Driving Safety (State Farm)
- Who Has the Cheapest Orlando Car Insurance Quotes for Young Drivers? (FAQ)
- Who Has Cheap Auto Insurance Quotes for a Ford Focus in Orlando? (FAQ)
- How to Avoid Buying a Flooded Car (Insurance Information Institute)
- Insurance Losses by Make and Model (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)