Cheap Mercedes-Benz C350 Insurance in Durham

Discount Mercedes-Benz C350 insuranceIt’s a fact that insurance companies don’t want their customers to go rate shopping. Drivers who compare other prices will probably buy a different policy because of the high probability of finding better rates. Remarkably, a study showed that consumers who did price comparisons regularly saved approximately $3,400 over four years as compared to drivers who never compared prices.

If finding the lowest price on Mercedes-Benz C350 insurance in Durham is why you’re here, then understanding how to choose a company and compare auto insurance can make shopping around easier.

The most effective way to save on Mercedes-Benz C350 insurance in Durham is to annually compare prices from companies that insure vehicles in North Carolina.

First, it will benefit you to learn about coverages and the measures you can control to drop your rates. Many rating factors that increase rates like multiple speeding tickets and a less-than-favorable credit history can be improved by making small lifestyle or driving habit changes.

Second, request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO or State Farm, while independent agencies can provide rate quotes for a wide range of insurance providers. Select a company

Third, compare the price quotes to your existing policy to determine if switching companies saves money. If you find a better price and make a switch, ensure there is no coverage lapse between policies.

Fourth, tell your current company to cancel your current car insurance policy and submit payment and a completed application to your new company or agent. Once coverage is bound, keep the new certificate of insurance somewhere easily accessible.

One bit of advice is that you use identical coverages on every price quote and to quote with every insurance company. Doing this enables a level playing field and a good representation of prices.

The quickest way to compare policy rates for Mercedes-Benz C350 insurance in Durham is to realize most larger insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is give them rating details including driver ages, if the car is leased, whether you drive to work or school, and types of safety features. Your insurance information gets sent immediately to multiple top-rated companies and you will get price comparisons instantly.

If you would like to compare rates now, click here and find out if lower rates are available in Durham.

The providers in the list below can provide price comparisons in North Carolina. If multiple companies are listed, we suggest you get rates from several of them to find the most competitive car insurance rates.

Three good reasons to insure your C350

Even though Durham C350 insurance rates can get expensive, insurance may be mandatory for several reasons.

The benefits of having car insurance more than offset the price you pay, especially when you need to use it. But the average driver in North Carolina overpays as much as $865 each year so compare rate quotes at every renewal to ensure rates are inline.

Rates and information analytics

The rate information displayed next outlines detailed analysis of insurance coverage prices for Mercedes-Benz C350 models. Having knowledge of how car insurance premiums are determined can help drivers make smart choices when choosing a car insurance company.

Mercedes-Benz C350 Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $220 $404 $256 $16 $76 $972 $81
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Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Table data does not factor in Durham location which can increase or decrease price quotes considerably.

Where to set your deductibles

A question often asked by Durham drivers is how high should the physical damage coverage deductibles be. The premium rates below determine the costs and benefits between high and low comp and collision deductibles. The first data set uses a $250 deductible for comprehensive and collision coverage and the second set of rates uses a $1,000 deductible.

Mercedes-Benz C350 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $242 $440 $250 $14 $74 $1,045 $87
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Mercedes-Benz C350 insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $150 $276 $250 $14 $74 $764 $64
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in specific Durham garaging location which can decrease or increase auto insurance rates greatly.

Based on the data above, we can derive that using a $250 deductible costs roughly $23 more each month or $276 every year than choosing the higher $1,000 deductible. Because you would be required to pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you go more than 33 months between claims, you would more than likely save some money if you choose the higher deductible.

The chart below shows how choosing a deductible and can impact Mercedes-Benz C350 insurance costs for each age group. The prices are based on a married male driver, comp and collision included, and no discounts are taken into consideration.

Get cheaper Mercedes-Benz C350 insurance rates in Durham

Some companies don’t list every discount they offer in an easy-to-find place, so here is a list a few of the more well known as well as the least known discounts that you can inquire about if you buy Durham auto insurance online.Save money with discounts

Please keep in mind that most discount credits are not given to the entire policy premium. Some only apply to specific coverage prices like liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, you aren’t that lucky.

The example below shows the difference between Mercedes-Benz C350 insurance costs with and without discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, North Carolina state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.

A few popular companies and their possible discounts are included below.

Before buying, ask all companies you are considering to give you their best rates. A few discounts might not be offered in Durham. To locate insurance companies with the best Mercedes-Benz C350 insurance discounts in Durham, click this link.

Buying from auto insurance agents

Certain consumers just prefer to visit with an insurance agent and we recommend doing that One of the benefits of price shopping on the web is you can get cheaper premium rates and still have a local agent.

Find insurance agent in DurhamUpon completion of this short form, your coverage information is transmitted to participating agents in Durham who will gladly provide quotes for your business. You don’t have to find an agent due to the fact that quote results will go to your email. It’s the lowest rates without having to waste a lot of time. If you need to get a price quote from a specific insurance company, feel free to go to their quote page and submit a quote form there.

Finding the right insurer requires you to look at more than just the premium amount. Below are some questions you should ask.

The type of car insurance agent you choose is important

When looking for an insurance agent, it’s helpful to know the different types of agencies and how they function. Car insurance policy providers are considered either independent agents or exclusive agents.

Exclusive Insurance Agents

Exclusive agencies normally can only provide a single company’s rates such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to provide prices from multiple companies so keep that in mind. Exclusive agents are usually well trained on their products and sales techniques which helps overcome the inability to quote other rates.

The following are Durham exclusive agencies that can give you rate quotes.

4324 S Alston AveDurham, NC 27713(919) 249-7291View Map

2310 S Miami Blvd Ste 131Durham, NC 27703(919) 484-2493View Map

3702 Hillsborough Rd #2bDurham, NC 27705(919) 383-3887View Map

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Independent Agencies or Brokers

Independent agents do not have single company limitations so as a result can place your coverage through many companies and get the cheapest rates. If they find a lower price, your policy is moved internally and you don’t have to do anything. When shopping rates, you will want to compare prices from a couple of independent agencies for the best price selection.

Shown below are Durham independent agents that are able to give comparison quotes.

16 Consultant Pl Suite 102Durham, NC 27707(919) 682-4814View Map

1320 Hill StDurham, NC 27707(919) 403-3611View Map

1210 Cole Mill Rd Suite 101Durham, NC 27705(919) 294-6613View Map

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If you feel you receive satisfactory answers to any questions you may have as well as offering an affordable quote, most likely you have located an auto insurance agent that meets your needs to properly insure your vehicles.

Your car insurance coverage should be tailored to you

Keep in mind that when it comes to choosing your policy, there is no one size fits all plan. Each situation is unique so your insurance needs to address that.Drive safe and save
Here are some questions about coverages that may help highlight if your situation may require specific advice.

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Quote. Compare. Save.

More affordable car insurance in Durham is available online and with local Durham insurance agents, and you should compare price quotes from both to have the best rate selection. Some car insurance companies do not offer the ability to get quotes online and many times these regional carriers only sell through local independent agencies.

When shopping online for car insurance, make sure you don’t buy poor coverage just to save money. There are too many instances where someone dropped uninsured motorist or liability limits and discovered at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at the best cost.

In this article, we covered quite a bit of information on how to save on Mercedes-Benz C350 insurance in Durham. It’s most important to understand that the more you quote Durham auto insurance, the higher your chance of finding inexpensive Durham auto insurance quotes. Consumers may even find the lowest premium rates come from the smaller companies. Some small companies may cover specific market segments cheaper than their larger competitors like Allstate, GEICO and Progressive.

More detailed car insurance information is located at these sites: