Save on Mercedes-Benz E350 Insurance in Chula Vista

The recommended way to get budget auto insurance rates in Chula Vista is to start comparing prices regularly from providers that sell auto insurance in California. You can compare prices by following these steps.

Step 1: Read about what coverages are included in your policy and the factors you can control to keep rates down. Many policy risk factors that are responsible for high rates like speeding tickets, careless driving and an unacceptable credit score can be remedied by making minor changes in your lifestyle.

Step 2: Request price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give rate quotes from one company like Progressive or Allstate, while independent agents can provide price quotes for many different companies.

Step 3: Compare the new rates to the premium of your current policy to determine if switching companies saves money. If you find a lower rate and buy the policy, make sure there is no lapse in coverage.

A key point to remember is to use the same coverage limits and deductibles on every price quote and and to get price estimates from every insurance company. Doing this provides a fair price comparison and a complete selection of prices.

Surprisingly, a recent survey revealed that the majority of drivers kept buying from the same company for at least the last four years, and just under half have never compared rates from other carriers. The average driver in the U.S. could save an average of 46.5% each year by just comparing rate quotes, but most just don’t grasp the rate savings if they just switched companies.

Low Cost Mercedes-Benz insurance prices in Chula Vista

The providers in the list below provide free quotes in Chula Vista, CA. If you want the best car insurance in Chula Vista, CA, we recommend you compare several of them to get a more complete price comparison.

Mercedes-Benz E350 detailed coverage information

The rate information displayed below outlines estimates of policy rates for Mercedes-Benz E350 models. Having insight into how premiums are figured is important for you to make decisions on the best policy coverages.

Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Estimates do not factor in vehicle garaging location which can lower or raise prices considerably.

Where to set your deductibles

One frequently asked question is how high or low should comp and collision deductibles be. The rates shown below show how much more you’ll pay between high and low comp and collision deductibles. The first table uses a $250 physical damage deductible and the second set of rates uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Prices do not factor in specific garaging location which can raise or lower rates significantly.

We can estimate from the data above that using a $250 deductible costs roughly $45 more each month or $540 each year than opting for 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 usually have more than 17 months between claim filings, you would save money if you decide on a higher deductible.

An important thing to remember is that higher deductibles means you will have to pay more of your own money at claim time. That will necessitate some available funds in order to pay the deductible to have repairs made.

The example below shows how choosing a deductible and can impact Mercedes-Benz E350 premium costs for each age group. The data is based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

Mercedes-Benz E350 liability rates compared to full coverage

The chart below shows the comparison of Mercedes-Benz E350 car insurance costs with full physical damage coverage and with liability coverage only. The rate quotes are based on no violations or claims, $100 deductibles, marital status is single, and no discounts are factored in.

When to switch to liability coverage only

There is no specific rule to drop physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s assume your Mercedes-Benz E350 replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $8,000 after the policy deductible has been paid. If premium cost is more than $800 a year for your policy with full coverage, then you might consider buying liability only.

There are a few cases where only buying liability is not a good plan. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.

Get Cheaper Insurance Prices by Understanding These Factors

Part of the car insurance buying process is learning the factors that aid in calculating the rates you pay for car insurance. When you understand what positively or negatively impacts your premiums, this enables informed choices that will entitle you to cheaper rates. Many different elements are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other criteria are more transparent like your vehicle usage or how safe your car is.

The list below includes some of the major factors used by your company to calculate premiums.

Little extras can really add up – Insurance policies have a lot of additional extra coverages that you can get tricked into buying if you aren’t careful. Coverages for replacement cost coverage, high-cost glass coverage, and membership fees may be costing you every month. The coverages may be enticing when talking to your agent, but now you might not need them so think about removing them and cutting costs.

Raising comp and collision deductibles lowers rates – Insurance for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your Mercedes-Benz. A few examples of covered claims are collision with another vehicle, damage caused by hail, and windstorm damage. Comprehensive and collision coverage deductibles define the amount you are required to spend before your car insurance pays a claim. The higher the amount you have to pay, the lower your rates will be.

Pay more by driving carelessly – A bad driving record impacts premiums far more than you think. Drivers who don’t get tickets have lower premiums compared to bad drivers. Even one driving citation can increase the cost of insurance substantially. Drivers who have multiple violations like DWI, reckless driving or hit and run convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to drive a vehicle legally.

The information below shows how traffic citations and accidents impact Mercedes-Benz E350 annual premium costs for different age groups. Data assumes a married female driver, full coverage, $250 deductibles, and no additional discounts are factored in.

Gender and insurance rates – Statistics have proven that females take fewer risks when driving. The data does not necessarily mean that females are better drivers. Both genders get in auto accidents at about the same rate, but the men get into accidents with more damage. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.

The chart below shows the comparison of Mercedes-Benz E350 auto insurance costs for male and female drivers. The premium estimates are based on no claims or violations, comp and collision included, $100 deductibles, single status, and no discounts are applied.

Car insurance discounts help lower rates for Mercedes-Benz E350 insurance in Chula Vista

Companies offering auto insurance do not advertise every available discount in a way that’s easy to find, so we took the time to find a few of the more common and also the lesser-known discounts that you may qualify for.

• Membership in Organizations – Being in a civic or occupational organization in Chula Vista may earn a discount on your next renewal.
• Use Seat Belts – Forcing all vehicle occupants to use their safety belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Good Student – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount up to age 25.
• College Student – College-age children who attend college more than 100 miles from Chula Vista and leave their car at home may be insured at a cheaper rate.
• 55 and Retired – Seniors could receive better car insurance rates.
• Payment Method – By making one initial payment rather than paying monthly you could save up to 5%.

Policy discounts save money, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like having all the discounts means you get insurance for free, you aren’t that lucky. Any amount of discount will help reduce your car insurance premiums.

The diagram below shows the comparison of Mercedes-Benz E350 insurance costs with and without some available policy discounts. The data assumes a female driver, no violations or claims, California 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 multi-policy, homeowner, claim-free, marriage, multi-car, and safe-driver discounts applied.

Popular car insurance companies and a summarized list of policyholder discounts can be found below.

• State Farm may have discounts that include driver’s education, Steer Clear safe driver discount, multiple autos, multiple policy, student away at school, good driver, and anti-theft.
• Nationwide may include discounts for Farm Bureau membership, easy pay, business or organization, defensive driving, and multi-policy.
• GEICO includes discounts for anti-theft, daytime running lights, federal employee, good student, driver training, membership and employees, and anti-lock brakes.
• AAA offers premium reductions for anti-theft, good driver, good student, pay-in-full, AAA membership discount, multi-policy, and multi-car.
• 21st Century policyholders can earn discounts including air bags, teen driver, good student, homeowners, defensive driver, 55 and older, and driver training.
• The Hartford offers discounts for air bag, bundle, good student, defensive driver, driver training, and vehicle fuel type.

When comparing rates, check with all companies you are considering which credits you are entitled to. Some discounts listed above may not apply to policyholders in Chula Vista. If you would like to see a list of companies who offer free Mercedes-Benz E350 insurance quotes in Chula Vista, click here.

Compare rates but buy from a local Chula Vista insurance agency

Certain consumers just want to sit down with an agent and doing so can bring peace of mind Insurance agents are highly skilled in risk management and give you someone to call. One of the benefits of comparing insurance prices online is that you can find lower premium rates but still work with a licensed agent.

Once you complete this form (opens in new window), your insurance data is emailed to agents in your area that give free quotes and help you find cheaper coverage. You won’t need to contact any agents because quoted prices will be sent to your email. If for some reason you want to quote rates for a specific company, feel free to go to their quote page and fill out the quote form the provide.

Choosing the best insurer is decision based upon more than just a cheap price quote. Below are some questions you should ask.

• Do they get extra compensation for selling add-on coverages?
• Does the agent help file claims?
• Is assistance available after office hours?
• What insurance company do they write the most business with?
• Are they giving you every discount you deserve?
• Is insurance their full-time profession?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• If your car is in the repair shop, do you have coverage for a rental car?

If you need to find a local Chula Vista insurance agent, it’s important to understand the different types of agents and how they differ in how they quote coverages. Chula Vista agents can either be exclusive or independent agents depending on their company appointments. Either can write car insurance policies, but it’s important to know the subtle differences because it can impact which agent you choose.

Exclusive Agencies

Agents that choose to be exclusive have only one company to place business with and some examples include Farmers Insurance or State Farm. These agents are unable to provide other company’s prices so it’s a take it or leave it situation. Exclusive agencies are usually quite knowledgeable on the products they sell and that enables them to sell even at higher rates.

Listed below is a list of exclusive agents in Chula Vista that can give you comparison quotes.

More insurance agents

Independent Agents (or Brokers)

These type of agents are not employed by one company so they can insure your vehicles with an assortment of companies and potentially find a lower price. If your agent finds better pricing, they can switch companies in-house and that require little work on your part.

If you are comparing car insurance prices, you should always compare prices from a couple of independent agencies so that you have a good selection of quotes to compare.

The following is a short list of independent insurance agencies in Chula Vista that can give you comparison quotes.

More insurance agents

What is the best auto insurance company in California?

Picking the top insurance company can be challenging considering how many companies are available to choose from in Chula Vista. The company ratings in the next section could help you pick which auto insurers you want to consider when shopping your coverage around.

Top 10 Chula Vista Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. AAA of Southern California
5. Titan Insurance
6. The General
7. AAA Insurance
8. State Farm
9. Mercury Insurance
10. Nationwide

Get the best coverage at the lowest price

Some insurance companies may not have internet price quotes and many times these regional carriers only sell coverage through local independent agents. Affordable Mercedes-Benz E350 insurance in Chula Vista can be found on the web and from local agencies, so compare prices from both in order to have the best chance of saving money.

When getting Chula Vista auto insurance quotes online, make sure you don’t skimp on critical coverages to save a buck or two. Too many times, an accident victim reduced full coverage only to regret that it was a big mistake. Your objective should be to get the best coverage possible for the lowest cost, but do not sacrifice coverage to save money.

In this article, we presented some good ideas how you can compare Mercedes-Benz E350 insurance prices in Chula Vista. The key concept to understand is the more companies you get rates for, the better your chances of lowering your rates. Consumers may even find the most savings is with a small local company. Some small companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Even more information can be read at these sites:

• Auto Insurance Learning Center (State Farm)
• Who Has Cheap Car Insurance Quotes for 16 Year Olds in Chula Vista? (FAQ)
• How Much are Car Insurance Quotes for Teachers in Chula Vista? (FAQ)
• What Car Insurance is Cheapest for Teenage Males in Chula Vista? (FAQ)
• A Tree Fell on Your Car: Now What? (Allstate)
• Medical Payments Coverage (Liberty Mutual)