Compare Mercedes-Benz E350 Insurance Quotes in Long Beach

Locating the lowest cost Long Beach Mercedes-Benz E350 insurance quotes online might appear difficult for beginners to shopping for insurance on the web. When there are so many insurers available, how can consumers effectively compare every one to find the lowest rates?

Steps to finding more affordable Mercedes-Benz E350 insurance in Long Beach

If saving the most money is your goal, then the best way to get low-cost auto insurance rates in Long Beach is to do a yearly price comparison from insurance carriers who can sell car insurance in California. Prices can be compared by completing these steps.

Step 1: Learn about how car insurance works and the changes you can make to prevent rate increases. Many factors that cause high rates such as careless driving and a negative credit history can be controlled by making lifestyle changes or driving safer.

Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can give you price quotes for a wide range of companies.

Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you can save some money and switch companies, make sure coverage does not lapse between policies.

Step 4: Notify your company or agent of your intention to cancel your existing policy and submit a signed application and payment for the new coverage. Don’t forget to keep your new proof of insurance certificate in your vehicle.

An essential thing to point out is to try to compare the same level of coverage on every price quote and and to get rates from every insurance company. This helps ensure a level playing field and the best price quote selection.

Regrettably, nearly 70% of customers kept their coverage with the same auto insurance company for at least the last four years, and nearly the majority have never taken the time to shop around. With the average premium in California being $1,400, drivers could save roughly 35% every year by just comparing quotes, but most undervalue how much savings they would realize if they switched to a cheaper policy.

Shopping around for the best auto insurance coverage in Long Beach is not as hard as you think. Practically anyone who comparison shops for auto insurance should get better rates. But California drivers should learn how companies set your policy premium and use it to find better rates.

The most recommended method to get rate comparisons for Mercedes-Benz E350 insurance in Long Beach is to realize most larger insurance companies pay for the opportunity to compare their rates. The only thing you need to do is give them rating details such as the year, make and model of vehicles, any included safety features, an estimate of your credit level, and whether or not you need a SR-22. Those rating factors gets sent immediately to many highly-rated insurers and you will get price comparisons very quickly.

To find the cheapest car insurance rates, click here and see if a lower rate is available in Long Beach.

The car insurance companies shown below offer comparison quotes in Long Beach, CA. If multiple companies are listed, we recommend you visit several of them in order to find the most competitive rates.

Why you need quality insurance for your Mercedes-Benz E350

Despite the potentially high cost of Mercedes-Benz E350 insurance, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.

First, almost all states have mandatory liability insurance requirements which means the state requires specific limits of liability insurance if you drive a vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you took out a loan on your Mercedes-Benz E350, it’s guaranteed your bank will force you to have insurance to guarantee their interest in the vehicle. If the policy lapses, the bank may insure your Mercedes-Benz for a lot more money and require you to pay a much higher amount than you were paying before.

Third, insurance protects not only your Mercedes-Benz but also your financial assets. It will also pay for medical expenses that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.

The benefits of insuring your E350 more than cancel out the cost, particularly when you have a large claim. But the average American driver is wasting up to $865 each year so you should quote and compare rates at every policy renewal to be sure current rates are still competitive.

Rates and information analytics

The premium table shown below outlines detailed analysis of insurance coverage prices for Mercedes-Benz E350 models. Knowing how insurance prices are determined can help customers make informed decisions when comparing rates.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in garaging location in Long Beach which can lower or raise prices greatly.

Can higher deductibles save money?

A question often asked by Long Beach drivers is which deductible level should you buy. The data tables below highlight the premium difference when you buy lower versus higher insurance deductibles. The first set of prices uses a $250 comprehensive and collision deductible and the second pricing table uses a $1,000 deductible.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, claim-free, and safe-driver. Premium costs do not factor in specific Long Beach garaging location which can impact coverage prices significantly.

Based on these figures, using a $250 deductible will cost you approximately $45 more each month or $540 for a full year than selecting the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to average at least 17 months between claims, you would come out ahead by going with a higher deductible.

The information below shows how choosing a deductible and can influence Mercedes-Benz E350 annual premium costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, and no policy discounts are applied.

Rate increases following a ticket or accident

The diagram below demonstrates how traffic citations and accident claims can raise Mercedes-Benz E350 auto insurance costs for each different age group. The data assumes a single female driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

Affordable Mercedes-Benz E350 insurance in Long Beach

Insuring your fleet can be pricey, but there may be some discounts that many consumers don’t even know exist. Certain discounts will be applied at quote time, but a few must be asked about before you will receive the discount.

• Discounts for Federal Employees – Employees or retirees of the government can save as much as 8% depending on your insurance provider.
• Military Rewards – Having an actively deployed family member can result in better prices.
• New Car Discount – Insuring a new E350 can be considerably cheaper because new model year vehicles keep occupants safer.
• Own a Home – Owning a house in Long Beach can earn you a little savings because of the fact that having a home shows financial diligence.
• Organization Discounts – Joining a qualifying organization could earn you a nice discount on insurance.
• Anti-theft Discount – Vehicles optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more on E350 insurance in Long Beach.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, it’s just not the way it works.

The illustration below illustrates the comparison of Mercedes-Benz E350 car insurance costs with and without discounts applied to the policy rates. The prices are based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, safe-driver, marriage, multi-car, claim-free, and multi-policy discounts applied.

A partial list of companies that may offer some of the discounts shown above include:

• State Farm
• Nationwide
• GEICO
• AAA
• 21st Century
• The Hartford

It’s a good idea to ask all the companies to apply every possible discount. All car insurance discounts may not apply in Long Beach. To locate insurance companies that offer many of these discounts in California, click here to view.

You are unique and your car insurance should be too

When selecting proper insurance coverage for your vehicles, there is no one-size-fits-all type of policy. Every situation is different and your car insurance should be unique as well.
Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

• Are my friends covered when driving my Mercedes-Benz E350?
• Is my trailer covered?
• If I drive on a suspended license am I covered?
• Why am I required to get a high-risk car insurance policy?
• Which companies are cheaper for teen drivers?
• Does every company file a SR-22 automatically?
• Do I need rental car coverage?
• Does coverage follow the driver or the vehicle?
• When does my teenage driver need to be added to my policy?
• Can I cancel at any time?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Ratings for Long Beach car insurance companies

Buying coverage from the highest-rated auto insurance provider is difficult considering how many different insurance companies sell coverage in Long Beach. The company information shown below may help you decide which auto insurance companies to look at buying from.

Top 10 Long Beach 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