We don’t have to point out that fact that auto insurance companies don’t want you comparing rates. Consumers who shop around for the cheapest rate are likely to switch to a new company because they stand a good chance of finding a lower rate. A study discovered that consumers who did price comparisons regularly saved as much as $3,500 over four years compared to policyholders who never shopped around for cheaper prices.
If finding low prices for insurance is your ultimate goal, understanding how to quote prices and compare coverage rates can help make the process easier.
It takes a few minutes, but the best way to get more affordable car insurance rates is to annually compare prices from providers in Virginia Beach. You can compare prices by following these steps.
- Step 1: Try to comprehend coverages and the measures you can control to keep rates in check. Many factors that cause rate increases like traffic citations, accidents, and poor credit can be eliminated by improving your driving habits or financial responsibility. Read the full article for more ideas to get low prices and get discounts that may be available to you.
- Step 2: Request price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can provide price quotes from multiple companies.
- Step 3: Compare the new rate quotes to the premium of your current policy and determine if cheaper C350 coverage is available in Virginia Beach. If you find a lower rate and switch companies, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Give notification to your current company of your intent to cancel your current policy. Submit the application along with any required down payment for the new policy. Once coverage is bound, place the new proof of insurance paperwork somewhere easily accessible.
The most important part of shopping around is to make sure you’re comparing identical deductibles and limits on each quote request and and to get prices from as many auto insurance providers as possible. Doing this ensures an apples-to-apples comparison and a thorough price selection.
The quickest way to compare policy rates for Mercedes-Benz C350 insurance in Virginia Beach is to know the trick almost all companies provide online access to provide you with free rate quotes. The only thing you need to do is provide a small amount of information such as level of coverage desired, how your vehicles are used, if the vehicle is leased, and if you are currently licensed. That information is automatically sent to multiple different insurance companies and they provide comparison quotes quickly.
To compare cheaper Mercedes-Benz C350 insurance rates now, click here then complete the form.
The companies in the list below can provide free quotes in Virginia. If multiple companies are listed, it’s a good idea that you visit as many as you can to find the lowest auto insurance rates.
Auto insurance data for a Mercedes-Benz C350
The price information below covers detailed analysis of insurance coverage prices for Mercedes-Benz C350 models. Being aware of how auto insurance policy rates are formulated can help drivers make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $226 | $450 | $348 | $20 | $104 | $1,148 | $96 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rates do not factor in specific Virginia Beach garaging location which can alter rates substantially.
The example below demonstrates how deductible levels and can impact Mercedes-Benz C350 insurance rates for each age group. The data assumes a married male driver, full physical damage coverage, and no discounts are applied to the premium.
Age-based auto insurance rates by gender in Virginia Beach
The illustration below illustrates the difference between Mercedes-Benz C350 car insurance costs for male and female drivers. The price estimates are based on no violations or accidents, comp and collision included, $500 deductibles, marital status is single, and no discounts are taken into consideration.
Insurance is an important decision
Despite the high cost of buying insurance for a Mercedes-Benz C350 in Virginia Beach, maintaining insurance may be required and benefits you in several ways.
- Almost all states have compulsory liability insurance requirements which means the state requires a minimum amount of liability if you want to drive legally. In Virginia these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
- If you have a loan on your vehicle, it’s most likely the lender will force you to have insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the lender may have to buy a policy to insure your Mercedes-Benz at a much higher premium rate and force you to pay for it.
- Insurance preserves not only your Mercedes-Benz C350 but also your financial assets. It will also pay for medical expenses that are the result of an accident. One of the most valuable coverages, liability insurance, will also pay attorney fees if you cause an accident and are sued. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will pay to have it repaired.
The benefits of buying insurance definitely exceed the cost, particularly for liability claims. According to a recent study, the average American driver is wasting up to $855 a year so we recommend shopping around at least once a year to ensure rates are competitive.
Smart Buyers Can Cut Their Insurance Prices
Many factors are used when you get your auto insurance bill. A few of the factors are predictable like an MVR report, although others are more obscure like your vehicle usage or your commute time.
The items below are some of the most common factors used by companies to determine your rate level.
Vehicle risk affects prices – The performance of the vehicle you are insuring makes a significant difference in your car insurance bill. The most favorable rates are usually for small economy passenger vehicles, but the final cost of insurance is determined by many other factors.
The following data assumes a single female driver age 20, full coverage with $100 deductibles, and no discounts or violations. The chart compares Mercedes-Benz C350 policy rates compared to other models of vehicles that have different performance rating factors.
Cheaper rates by bundling – Many companies apply lower prices to customers that buy multiple policies, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you already get this discount, it’s in your best interest to compare Mercedes-Benz C350 rates in Virginia Beach to make sure you are getting the best deal.
Good drivers pay the best rates – Whether or not you get tickets can have a huge impact on auto insurance premiums. Good drivers receive lower rates than their less careful counterparts. Even a single citation may increase your cost to the point where it’s not affordable. People who have serious citations such as DUI or willful reckless driving may need to complete a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
The illustration below illustrates how violations and at-fault accidents impact Mercedes-Benz C350 annual premium costs for each age group. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
Insurance policy lapses increase premiums – Not having insurance is not a good idea and your next policy will cost more because you let your coverage have a gap. In addition to paying higher rates, the inability to provide proof of insurance will get you fines and jail time. Then you may be required to file a SR-22 with the Virginia motor vehicle department.
Buy a safe car and pay less – Vehicles with good safety scores cost less to insure. Vehicles built for safety result in less severe injuries and lower injury rates means less money paid by your insurance company passed on to you as lower rates. If your Mercedes-Benz C350 scored better than four stars on Safercar.gov you may be receiving a better rate.
Where you live is a factor – Choosing to live in less populated areas can be a good thing when buying insurance. Less people translates into fewer accidents. People in densely populated areas tend to have more auto accidents and more time behind the wheel. More time on the road translates into higher accident risk.
How do I know if I need professional advice?
When it comes to choosing insurance from an agent or online, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different.
For example, these questions can help discover whether you will benefit from professional help.
- What policy terms are available?
- Does my Mercedes-Benz C350 qualify for pleasure use?
- Will my rates increase for filing one claim?
- What is PIP insurance?
- What if I don’t agree with a claim settlement offer?
- Why does it cost so much to insure a teen driver in Virginia Beach?
If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form.
Virginia Beach car insurance company ratings
Ending up with the right company can be difficult considering how many companies provide coverage in Virginia. The ranking information displayed below may help you decide which car insurance providers you want to consider comparing rate quotes with.
Top 10 Virginia Beach Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Cheaper insurance premiums are possible
Cheaper Mercedes-Benz C350 insurance in Virginia Beach is available both online as well as from independent agents in Virginia Beach, and you should compare rates from both to have the best rate selection. Some insurance companies may not offer internet price quotes and usually these small, regional companies provide coverage only through local independent agencies.
Throughout this article, we presented a lot of techniques to get a better price on Mercedes-Benz C350 insurance in Virginia Beach. The key concept to understand is the more you quote Virginia Beach auto insurance, the better your comparison will be. Drivers may even discover the lowest car insurance rates are with a company that doesn’t do a lot of advertising.
Insureds who switch companies do it for many reasons like an unsatisfactory settlement offer, denial of a claim, being labeled a high risk driver and unfair underwriting practices. No matter why you want to switch, finding a new insurance company can be less work than you think.
Much more information about insurance in Virginia can be found below:
- Frontal Crash Tests (iihs.org)
- Who Has the Cheapest Car Insurance Quotes for Welfare Recipients in Virginia Beach? (FAQ)
- Who Has Affordable Virginia Beach Auto Insurance for 16 Year Olds? (FAQ)
- What Car Insurance is Cheapest for a Kia Forte in Virginia Beach? (FAQ)
- Who Has Cheap Car Insurance Quotes for State Employees in Virginia Beach? (FAQ)
- Who Has Cheap Virginia Beach Auto Insurance Rates for a Honda CR-V? (FAQ)
- Who Has Affordable Virginia Beach Car Insurance Rates for Low Income Drivers? (FAQ)
- Think You’re a Safe Driver? (State Farm)
- Protect Yourself Against Auto Theft (Insurance Information Institute)
- Five Mistakes to Avoid (Insurance Information Institute)