If saving money is your primary concern, then the best way to get the cheapest Mercedes-Benz C350 insurance in Santa Ana is to compare prices at least once a year from insurance carriers in California.
- Step 1: Get a basic knowledge of the coverage provided by your policy and the things you can control to keep rates down. Many rating factors that cause high rates such as traffic violations, accidents, and a substandard credit history can be amended by improving your driving habits or financial responsibility.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive or State Farm, while agents who are independent can provide rate quotes from multiple insurance companies.
- Step 3: Compare the new rate quotes to your existing policy to see if a cheaper price is available. If you find a lower rate quote and decide to switch, make sure coverage is continuous and does not lapse.
The most important part of shopping around is to make sure you enter the same amount of coverage on every quote request and to quote with every insurance company. Doing this enables a fair rate comparison and the best price quote selection.
Anyone knows that auto insurance companies don't want you to look for cheaper rates. People who shop around once a year are inclined to switch companies because they stand a good chance of finding a lower-priced company. A recent survey found that consumers who did price comparisons regularly saved an average of $72 a month as compared to drivers who never compared other company's rates.
If finding the cheapest price on Mercedes-Benz C350 insurance is your objective, then having some insight into the best ways to shop for cheaper coverage can help you be more efficient.
Quoting and buying more affordable protection in Santa Ana is not as hard as you think. Just about every driver who shops around for auto insurance most likely will get a lower-priced policy. But California drivers can benefit from knowing how companies calculate your policy premium because rates fluctuate considerably.
Cheapest companies for Mercedes-Benz C350 insurance in California
The auto insurance companies shown below provide price quotes in California. If several companies are displayed, it's a good idea that you visit as many as you can to get a more complete price comparison.
Rates and information analytics
The table shown below highlights a range of insurance rates for Mercedes-Benz C350 models. Learning how rates are figured can help you make smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $412 | $960 | $500 | $30 | $150 | $2,052 | $171 |
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Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in the specific area where the vehicle is garaged which can affect coverage rates considerably.
Car insurance deductibles
The hardest decision when buying coverage is how low should you set your deductibles. The tables below highlight the rate difference when you choose different deductibles. The first data table uses a $250 deductible for comprehensive and collision coverage and the second price grid uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $430 | $780 | $442 | $26 | $132 | $1,835 | $153 |
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| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $266 | $490 | $442 | $26 | $132 | $1,356 | $113 |
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in vehicle garaging location which can affect coverage rates greatly.
Using the data above, we can ascertain that using a $250 deductible will cost you about $40 more each month or $480 a year averaged for all C350 models than quoting the higher $1,000 deductible. Since you would have to pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 19 months between claims, you would save more money by going with a higher deductible. The table below illustrates how this determination is made.
| Average monthly premium for $250 deductibles: | $153 |
| Average monthly premium for $1,000 deductibles (subtract): | - $113 |
| Monthly savings from raising deductible: | $40 |
| Difference between deductibles ($1,000 - $250): | $750 |
| Divide difference by monthly savings: | $750 / $40 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One big caveat is that increasing deductibles to lower your rates results in having to pay to pay more out-of-pocket when you file a claim. You should have access to more funds in the event you have to pay the deductible to have repairs made.
How violations and accidents impact rates
The diagram below shows how speeding tickets and at-fault claims raise Mercedes-Benz C350 car insurance rates for different insured age categories. The rate quotes are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are factored in.
Mercedes-Benz C350 liability rates compared to full coverage
The information below illustrates the difference between Mercedes-Benz C350 premium costs with and without full coverage. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, drivers are single, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no specific rule to exclude comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.
For example, let's assume your Mercedes-Benz C350 claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is destroyed, you would only receive $2,000 after you pay the deductible. If premium cost is more than $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.
There are a few cases where dropping full coverage is not a good plan. If you haven't satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if you don't have enough money to buy a different vehicle if your current one is in an accident, you should not drop full coverage.
You may qualify for discounts for Mercedes-Benz C350 insurance in Santa Ana
Companies don't always advertise the complete list of policy discounts very well, so the next list breaks down a few of the more common and also the lesser-known credits that you can use to lower your rates. If they aren't giving you every credit available, you could be saving more on your insurance.
- New Car Discount - Buying a new car model can be considerably cheaper because newer vehicles have to meet stringent safety requirements.
- Telematics Data Discounts - Insureds that choose to allow their insurance company to look at their driving habits through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
- Defensive Driver - Taking time to complete a defensive driver class may get you a small discount and easily pay for the cost of the class.
- Driver's Ed - Have your child participate in a local driver's education class in school.
- Homeowners Savings - Just owning your own home can help you save on insurance due to the fact that maintaining a home demonstrates responsibility.
Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that all those discounts means the company will pay you, companies don't profit that way.
The example below visualizes the comparison of Mercedes-Benz C350 auto insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, marriage, claim-free, multi-policy, and safe-driver discounts applied.
If you would like to see a list of companies with significant discounts in California, click here to view.
Situations that may require an agent's advice
When quoting and comparing your policy for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else's.
For example, these questions can aid in determining whether or not you would benefit from an agent's advice.
- Does my insurance cover my expensive audio equipment?
- How much liability insurance is required?
- Do I have any recourse if my insurance company denies a claim?
- Should I pay a claim out-of-pocket?
- At what point should I drop full coverage?
- Will my Mercedes-Benz C350 be repaired with OEM or aftermarket parts?
- What are good deductibles for a Mercedes-Benz C350?
If it's difficult to answer those questions but a few of them apply then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.
Insurance agent or online?
A small number of people just prefer to get advice from a local agent and doing so can bring peace of mind The biggest benefit of comparing rate quotes online is that you can find lower rates and still choose a local agent. Supporting small agencies is definitely important in Santa Ana.
Upon completion of this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area that can give you free Santa Ana auto insurance quotes for your insurance coverage. You won't even need to search for an agent because prices are sent directly to your email. Get lower rates AND a local agent. If you wish to get a rate quote from one company in particular, you just need to find their quoting web page and submit a quote form there.
If you would like to find a local Santa Ana insurance agent, you should know the different types of agents and how they can service your needs differently. Car insurance agents may be either independent agents or exclusive agents depending on their employer.
Independent Agents
Agents in the independent channel often have many company appointments so they can insure your vehicles amongst many companies and get you the best rates possible. If your premiums go up, the business is moved internally which makes it simple for you.
When comparing car insurance rates, we recommend you get several quotes from several independent agencies to have the best price comparison. They also have the ability to place coverage with small mutual carriers which may provide better rates.
Featured below are Santa Ana independent agencies that can give you free car insurance quotes.
- CRC Insurance Services Inc
1551 N Tustin Ave # 450 - Santa Ana, CA 92705 - (714) 689-0101 - View Map - Santa Ana Insurance
1331 W 1st St #101 - Santa Ana, CA 92703 - (714) 953-9341 - View Map - ZIBARA INSURANCE AGENCY, INC.
1700 E Garry Ave #206 - Santa Ana, CA 92705 - (949) 660-8800 - View Map
Exclusive Car Insurance Agencies
Agents that elect to be exclusive can usually just insure with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. They are unable to place coverage with different providers so you might not find the best rates. Exclusive agencies are well trained on what they offer which helps them sell insurance even at higher premiums. Many people use the same exclusive agent mainly due to the prominent brand name rather than low rates.
Listed below are exclusive insurance agencies in Santa Ana willing to provide price quote information.
- David Reyes - State Farm Insurance Agent
1077 W 17th St b - Santa Ana, CA 92706 - (714) 285-0155 - View Map - Monica Drevon - State Farm Insurance Agent
3740 S Bristol St - Santa Ana, CA 92704 - (714) 966-2679 - View Map - Farmers Insurance: Ray Cheng Insurance Agency Inc.
540 N Golden Cir Dr #315 - Santa Ana, CA 92705 - (888) 395-4847 - View Map
Finding the right car insurance agent requires you to look at more than just a cheap price quote. Here are some questions to ask:
- Who are their largest clients?
- How long has their agency been open in Santa Ana?
- What discounts might you be missing?
- Do they offer accident forgiveness?
- Does the agency support the community they serve?
- What are their preferred companies if they are an independent agency?
- Is there any savings for paying the full premium?
- Will they take your side in the event of a claim?
Best car insurance company in California
Buying coverage from the highest-rated car insurance provider can be rather challenging considering how many companies provide coverage in Santa Ana. The company ratings in the next section may help you analyze which companies to look at buying from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Compare auto insurance prices regularly to save
Cost effective Mercedes-Benz C350 insurance can be found online and also from your neighborhood Santa Ana agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies do not provide rate quotes online and most of the time these regional carriers only sell through independent agents.
We covered some good ideas how to compare Mercedes-Benz C350 insurance car insurance rates in Santa Ana. The most important thing to understand is the more you quote Santa Ana auto insurance, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from a smaller regional carrier.
Insureds change insurance companies for many reasons like delays in paying claims, delays in responding to claim requests, questionable increases in premium or denial of a claim. It doesn't matter why you want to switch finding a new auto insurance company can be easier than you think.
More resources
- Credit Impacts Car Insurance Rates (State Farm)
- Who Has the Cheapest Auto Insurance for Single Moms in Santa Ana? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Teenagers in Santa Ana? (FAQ)
- Who Has Affordable Auto Insurance for Drivers Under 21 in Santa Ana? (FAQ)
- How Much is Santa Ana Auto Insurance for Good Students? (FAQ)
- How Much are Car Insurance Quotes After a Speeding Ticket in Santa Ana? (FAQ)
- Who Has Cheap Auto Insurance for Unemployed Drivers in Santa Ana? (FAQ)
- Who Has the Cheapest Santa Ana Car Insurance for Low Income Drivers? (FAQ)
- Who Has Cheap Auto Insurance for a Toyota RAV4 in Santa Ana? (FAQ)
- What Auto Insurance is Cheapest for High School Students in Santa Ana? (FAQ)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Pickups fall short in headlight tests (Insurance Institute for Highway Safety)
- Senior Drivers (Insurance Information Institute)
- Choosing an Insurance Company (Insurance Information Institute)