Save Money on Mercedes-Benz E350 Insurance in Riverside

Would you like to buy more competitive Mercedes-Benz E350 insurance in Riverside? Are you regretting the purchase of an under-performing, overpriced auto insurance policy? You’re preaching to the choir because you’re not the only one.

Insurance quote for Mercedes-Benz E350 in RiversideSurprisingly, a recent survey revealed that most consumers have remained with the same auto insurance company for well over three years, and nearly 40% of drivers have never even compared quotes to find cheap rates. Many consumers in Riverside could save themselves approximately 35% a year, but they just feel it’s too hard to save money by comparing rate quotes.

Lots of car insurance companies contend to insure your vehicles, so it can be very hard to choose a insurer and get the best coverage at the lowest price on Mercedes-Benz E350 insurance in Riverside.

You should make it a habit to shop coverage around every six months because auto insurance prices change regularly. Just because you found the best price on Mercedes-Benz E350 insurance in Riverside a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because you’re going to get a crash course in how to use online quotes to reduce your cost while increasing coverage.

If you have coverage now, you will definitely be able to get lower rates using the concepts you’re about to learn. Buying the cheapest auto insurance in Riverside can really be easy if you know what you’re doing. But California car owners must know how the larger insurance companies market insurance on the web because it varies considerably.

Cheaper Riverside car insurance rates with discounts

Auto insurance companies do not advertise the complete list of policy discounts very well, so the list below gives a summary of both well-publicized and the more hidden credits available to bring down your rates.Cheaper car insurance with discounts

You can save money using discounts, but some of the credits will not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it’s just not the way it works.

The example below illustrates the difference between Mercedes-Benz E350 car insurance costs with and without some available policy discounts. Data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, multi-policy, marriage, homeowner, and claim-free discounts applied.

If you would like to view providers with the best discounts in California, click here to view.

The are a couple different ways to compare quotes from companies that offer auto insurance in California. The best method to compare Mercedes-Benz E350 insurance prices consists of shopping online.

Getting quotes online is very simple and it makes it obsolete to drive to insurance agencies in your area. Comparing Mercedes-Benz E350 insurance rate quotes online eliminates this option unless you have a complicated situation and need the professional abilities that only a licensed agent can provide. Drivers can comparison shop your insurance online but have your policy serviced through an agent. It’s important to know that comparing all the rates in your area will enable you to find lower pricing. Some regional insurers cannot provide price estimates online, so you also need to get price estimates from those companies as well.

The companies shown below can provide comparison quotes in California. If multiple companies are listed, it’s highly recommended you visit two to three different companies to get a more complete price comparison.

Insurance statistics and figures

The premium information displayed below covers detailed analysis of insurance costs for Mercedes-Benz E350 models. Being more informed about how insurance prices are determined can help drivers make informed decisions when comparing rate quotes.

Mercedes-Benz E350 Insurance Rates in Riverside, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $530 $1446 $508 $30 $152 $2,666 $222
E350 4-Dr Sedan $586 $1296 $394 $24 $118 $2,418 $202
E350 with 4-MATIC 4-Dr Sedan $586 $1296 $394 $24 $118 $2,418 $202
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can influence price quotes substantially.

Physical damage deductibles

One of the most common insurance questions is which deductibles should you choose. The figures shown below can help you visualize how much more rates are between high and low policy deductibles. The first data table uses a $250 deductible and the second data table uses a $500 deductible.

Mercedes-Benz E350 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $430 $986 $376 $22 $112 $1,951 $163
E350 4-Dr Sedan $474 $882 $292 $18 $88 $1,779 $148
E350 with 4-MATIC 4-Dr Sedan $474 $882 $292 $18 $88 $1,779 $148
Get Your Own Custom Quote Go

Mercedes-Benz E350 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $348 $794 $376 $22 $112 $1,652 $138
E350 4-Dr Sedan $384 $712 $292 $18 $88 $1,494 $125
E350 with 4-MATIC 4-Dr Sedan $384 $712 $292 $18 $88 $1,494 $125
Get Your Own Custom Quote Go

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rates do not factor in the specific area where the vehicle is garaged which can affect premiums considerably.

Based on this data, using a $250 deductible could cost the average driver approximately $24 more each month or $288 a year than quoting the higher $500 deductible. Since the policyholder would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 10 months between claims, you would more than likely save some money if you decide on a higher deductible.

The chart below illustrates how your choice of deductibles and can impact Mercedes-Benz E350 insurance premiums for different categories of driver ages. The premiums assume a single male driver, comp and collision included, and no discounts are factored in.

Car insurance agents near you

Many people still prefer to sit down and talk to an agent and that is recommended in a lot of cases One of the best bonuses of price shopping on the web is the fact that drivers can get the best rates but still work with a licensed agent. Supporting small agencies is important especially in Riverside.

Insurance agents in RiversideTo find an agent, once you fill out this short form, the quote information is transmitted to companies in Riverside who want to provide quotes and help you find cheaper coverage. It’s much easier because you don’t need to leave your house since price quotes are sent immediately to you. It’s the lowest rates AND a local agent. If you have a need to get a rate quote from a particular provider, you can always navigate to their website and complete a quote there.

Two types of auto insurance agents

When researching a reliable agent, you must know there are a couple different agency structures from which to choose. Agents in Riverside can either be exclusive or independent.

Independent Car Insurance Agencies or Brokers

Agents in the independent channel often have affiliation with several companies and that is an advantage because they can write policies through many different car insurance companies and find the cheapest rate. If prices rise, they simply switch companies in-house and you stay with the same agent.

When searching for an agent, you will want to include price quotes from several independent agencies to have the most options to choose from.

Featured below are Riverside independent agents that may be able to provide free rate quotes.

3410 La Sierra AveRiverside, CA 92503(951) 732-7770View Map

5586 Mission BoulevardRiverside, CA 92509(951) 684-0494View Map

3727 6th StRiverside, CA 92501(951) 680-0575View Map

More Riverside agents

Exclusive Agencies

Agents in the exclusive channel have only one company to place business with and some examples include Allstate, Farmers Insurance or State Farm. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agents are very knowledgeable on their company’s products and that can be a competitive advantage.

Below is a list of exclusive insurance agencies in Riverside who can help you get price quotes.

6748 Brockton AveRiverside, CA 92506(888) 231-8822View Map

6325 Rutland AveRiverside, CA 92503(951) 527-5050View Map

7344 Magnolia Ave #100Riverside, CA 92504(951) 637-3100View Map

More Riverside agents

Picking an car insurance agent shouldn’t rely on just the bottom line cost. These are valid questions to ask:

Insurance specifics

Understanding the coverages of insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz E350.

Since a lot of drivers carry very low liability coverage limits (California limits are 15/30/5), their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Comprehensive insurance

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, damage from getting keyed, damage from flooding, rock chips in glass and damage from a tornado or hurricane. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability insurance

This will cover injuries or damage you cause to other people or property in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 15/30/5 which means $15,000 in coverage for each person’s injuries, $30,000 for the entire accident, and a total limit of $5,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, bail bonds and medical expenses. How much coverage you buy is up to you, but buy as much as you can afford. California state law requires minimum liability limits of 15/30/5 but you should think about purchasing better liability coverage.

The chart below shows why minimum state limits may not be enough coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills like hospital visits, X-ray expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverage

This pays for damage to your E350 from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible on your E350 to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

We covered quite a bit of information on how to find lower-cost Mercedes-Benz E350 insurance in Riverside. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive Riverside auto insurance quotes. You may even find the best auto insurance rates are with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm and Allstate.

More affordable car insurance in Riverside can be bought on the web as well as from independent agents in Riverside, and you need to price shop both in order to have the best chance of saving money. Some companies may not have rates over the internet and these regional carriers work with independent agents.

How to find better rates for Mercedes-Benz E350 insurance in Riverside

Really, the only way to get discount auto insurance rates is to make a habit of comparing prices annually from insurers in Riverside.

The most important part of shopping around is to try to compare identical coverages on every quote and to quote with as many car insurance companies as possible. This helps ensure a level playing field and the best price selection.

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