Auto Insurance Quotes for a Mercedes-Benz C350 in Atlanta

How long has it been since you shopped around for low-cost Mercedes-Benz C350 insurance in Atlanta? Scraping up a payment for high-priced Mercedes-Benz C350 insurance in Atlanta can empty your budget and possibly require postponing other expenditures. Getting a rate comparison can lower your rates and help to lower your monthly bill.

A study showed that most insurance policyholders renewed their policy with the same company for at least the last four years, and nearly half have never even compared quotes to find cheap rates. Drivers in Georgia could cut their rates by nearly $960 a year, but they don’t know the amount of savings they would get if they changed companies. Due to the abundance of insurance companies to choose from that have cheaper insurance for a Mercedes-Benz C350 in Atlanta, it’s difficult to find a more affordable insurance company.

The purpose of this post is to tell you how to get online quotes and how you can save the most money. If you already have coverage, you will definitely be able to buy cheaper car insurance using the concepts you’re about to learn. Drivers just need to use the quickest method to shop their coverage around online.

Cheap Mercedes-Benz insurance rate quotes in Atlanta

The auto insurance companies shown below offer price quotes in Atlanta, GA. If multiple companies are shown, we recommend you compare several of them to get the best price comparison.

Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, safe-driver, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates considerably.

Where to set your deductibles

When comparing car insurance rates, the most common question is at what level do you set your deductibles. The rates shown below lay out the premium difference when you buy lower versus higher physical damage coverage deductibles. The first table uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in Atlanta location which can affect coverage prices greatly.

Based on the above data, using a $250 deductible could cost the average driver approximately $19 more each month or $228 every year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally average more than 13 months between claim filings, you would most likely save money if you elect the higher deductible. The illustration below shows a better example of how you can do this calculation yourself.

An important sidenote is that increasing deductibles to lower your rates means you pay more out-of-pocket if you have a claim. You need some savings in the event you have to pay the deductible for vehicle repair.

Lower the Price of Insurance with These Tips

Part of the insurance buying process is learning the rating factors that come into play when calculating your insurance rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes some of the factors that factor into your premiums.

• Employer stress can affect rates – Jobs such as fire fighters, air traffic controllers, and dentists have higher rates than average due to high stress and lots of time spent at work. On the other hand, occupations such as farmers, athletes and the unemployed pay lower than average rates.
• Insurance companies don’t like frequent insurance claims – Companies in Georgia generally give better rates to people who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Your car insurance is intended to be relied upon for the large, substantial claims.
• Never have coverage lapses – Going without insurance can be a guaranteed way to increase your insurance rates. And not only will insurance be more expensive, getting caught without coverage will get you a revoked license or a big fine. You may then be required to file a SR-22 with the Georgia department of motor vehicles.
• Raising physical damage deductibles lowers prices – Physical damage coverage, also called comprehensive and collision insurance, helps pay for damage to your vehicle. Some coverage claims are a broken side mirror, hitting a deer, and having your car stolen. Comp and collision deductibles define the amount you are required to pay in the event of a claim. The more expense you are required to pay out-of-pocket, the lower your rates will be.

Lower-cost Atlanta car insurance rates with discounts

Not too many consumers would say car insurance is affordable, but companies offer discounts that you may not even know about. Certain reductions will be credited when you purchase, but occasionally some discounts must be manually applied prior to receiving the credit.

• Multi-car Discount – Purchasing coverage when you have multiple cars or trucks on the same car insurance policy qualifies for this discount.
• Anti-lock Brake System – Cars equipped with ABS or steering control can avoid accidents and will save you 10% or more on C350 insurance in Atlanta.
• Policy Bundle Discount – When you combine your home and auto insurance with the same company you could get a discount of up to 20% off your total C350 insurance premium.
• Drive Less and Save – Low annual miles can qualify you for cheaper premium rates.
• Passive Restraint Discount – Cars that have air bags could see savings of more than 20%.

Please keep in mind that most discount credits are not given to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

If you would like to choose from a list of providers who offer discounts in Georgia, click here.

Buying insurance from Atlanta auto insurance agents

Many people just prefer to buy from a licensed agent and that is OK! Most agents can help determine the best coverages and help you file claims. One of the benefits of comparing insurance online is that you can find better rates and still buy from a local agent. And supporting neighborhood agents is important especially in Atlanta.

To help locate an agent, after submitting this quick form, the coverage information is immediately sent to agents in your area who will gladly provide quotes to get your business. You won’t even need to search for any insurance agencies since rate quotes are delivered directly to your email. If you have a need to get a price quote from a specific insurance company, feel free to search and find their rate quote page to submit a rate quote request.

If you’re trying to find a reliable agent, it can be helpful to understand the different agency structures and how they differ in how they can insure your vehicles. Agents are considered either exclusive or independent (non-exclusive). Either one can properly insure your vehicles, but it’s worth learning the difference between them since it can affect the kind of agent you use.

Independent Agents

Agents in the independent channel often have affiliation with several companies and that gives them the ability to insure with many different companies and get you the best rates possible. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent. If you are trying to find cheaper rates, it’s recommended you include rate quotes from at a minimum one independent agency to get the most accurate price comparison.

Shown below are Atlanta independent insurance agencies that can give you free insurance quotes.

View more Atlanta agents

Exclusive Insurance Agents

Agents of this type can usually just insure with one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to give you multiple price quotes so they have to upsell other benefits. These agents are very knowledgeable on sales techniques which aids in selling service over price.

Listed below are exclusive insurance agencies in Atlanta willing to provide price quotes.

View more Atlanta agents

Picking the best insurance agent requires more thought than just the premium amount. Any agent in Atlanta should have no problem answering these questions:

• Is there a local claims center in Atlanta?
• Does the quote include credit and driving reports?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• How much training do they have in personal risk management?
• How often do they review policy coverages?
• Is the agency active in community causes in Atlanta?

Auto insurance can get complicated

Always keep in mind that when comparing coverage online or from an agent for your personal vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your auto insurance should be unique as well.
For instance, these questions could help you determine whether your personal situation could use an agent’s help.

• Can my teen driver be rated on a liability-only vehicle?
• Should I have a commercial auto policy?
• Can I get a multi-policy discount?
• Is my Mercedes-Benz C350 covered for smoke damage?
• What discounts do I qualify for?
• Can I pay claims out-of-pocket if I buy high deductibles?
• What is motorclub and do I need it?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

Smart consumers save more

When searching for affordable Mercedes-Benz C350 insurance quotes, it’s a bad idea to skimp on coverage in order to save money. There have been many cases where consumers will sacrifice liability limits or collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the best price, but don’t skip important coverages to save money.

You just read some good ideas how to get a better price on Mercedes-Benz C350 insurance in Atlanta. The key concept to understand is the more providers you compare, the better your chances of lowering your premium rates. Drivers may even discover the lowest car insurance rates come from a small local company. Regional companies may often insure only within specific states and give better rates compared to the large companies like Progressive and GEICO.

Cheaper insurance in Atlanta can be found on the web and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance providers do not offer the ability to get quotes online and usually these regional carriers only sell through independent insurance agents.

For more information, take a look at the following helpful articles:

• Child Safety Seats (Insurance Information Institute)
• How Much are Atlanta Car Insurance Rates for Postal Workers? (FAQ)
• What Insurance is Cheapest for Low Mileage Drivers in Atlanta? (FAQ)
• Uninsured Motorist Statistics (Insurance Information Institute)
• Red Light Cameras (State Farm)
• Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)