Compare Mercedes-Benz C350 Insurance Quotes in Chula Vista

It’s shocking but nearly 70% of consumers kept their coverage with the same auto insurance company for a minimum of four years, and 38% of customers have never even compared rates from other companies. With the average auto insurance premium being $1,387, Chula Vista drivers could save an average of 35% each year just by getting comparison quotes, but they don’t believe the benefits if they switched to a more affordable policy.

Insurance quote for Mercedes-Benz C350 in Chula VistaIt takes a few minutes, but the best way to find the cheapest price for Mercedes-Benz C350 insurance is to annually compare prices from companies who provide car insurance in Chula Vista.

  1. Read and learn about how companies price auto insurance and the things you can control to lower rates. Many rating factors that drive up the price such as at-fault accidents and a low credit rating can be eliminated by making minor changes in your lifestyle.
  2. Request rate estimates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive or Farmers Insurance, while independent agents can provide prices from many different companies.
  3. Compare the price quotes to your existing coverage and see if you can save money. If you find a better price and decide to switch, make sure there is no coverage gap between policies.
  4. Tell your current agent or company of your decision to cancel your existing policy and submit a signed application and payment for the new policy. When you receive it, keep the new proof of insurance paperwork in your vehicle’s glove compartment or console.

An important bit of advice to remember is to make sure you’re comparing the same amount of coverage on every quote and and to get quotes from as many companies as possible. Doing this enables the most accurate price comparison and a complete rate analysis.

Finding affordable car insurance coverage in Chula Vista is actually quite simple. If you have insurance now, you will surely be able to reduce the price you pay using the ideas presented in this article. Drivers just need to know the most time-saving way to shop on the web.

The companies in the list below provide price quotes in California. To find the cheapest car insurance in California, we recommend you visit as many as you can to get the best price comparison.

Protect more than your Mercedes-Benz vehicle

Despite the potentially high cost of Mercedes-Benz C350 insurance, buying insurance may be required for several reasons.

The benefits of buying enough insurance are definitely more than the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is overpaying over $830 a year so it’s recommended you shop around once a year at a minimum to ensure rates are inline.

Statistics and details

The premium table below outlines detailed analysis of insurance coverage prices for Mercedes-Benz C350 models. Knowing how policy premiums are formulated can be of help when making smart choices when choosing a car insurance company.

Mercedes-Benz C350 Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $490 $780 $578 $34 $174 $2,056 $171
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Table data does not factor in specific location which can impact coverage rates greatly.

Policy deductibles

The hardest decision when buying coverage is which deductibles should you choose. The data tables below show how much more you’ll pay when you select higher and lower policy deductibles. The first data set uses a $250 deductible and the second price grid uses a $1,000 deductible.

Mercedes-Benz C350 insurance premium rates with $250 deductibles
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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Mercedes-Benz C350 insurance premium rates with $1,000 deductibles
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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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Information does not factor in garaging location in Chula Vista which can influence rates substantially.

Based on the figures above, using a $250 deductible costs about $40 more each month or $480 every year than buying the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you normally go at a minimum 19 months between claims, you would probably come out ahead if you choose the higher deductible.

How to calculate deductible break even period

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 thing to be aware of is that increasing deductibles to lower your rates results in more money out-of-pocket when you have a physical damage claim. It will be required that you have enough disposable savings in the event you have to pay the higher deductible in order to repair your vehicle.

The example below shows how choosing a deductible and can influence Mercedes-Benz C350 insurance costs for different age categories. The information is based on a married male driver, comp and collision included, and no additional discounts are factored in.

Bad driving habits will cost you more

The diagram below highlights how speeding tickets and at-fault collisions impact Mercedes-Benz C350 insurance rates for different age groups. The premiums are based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are applied.

Get cheaper rates on Mercedes-Benz C350 insurance in Chula Vista with these auto insurance discounts

Some providers don’t list every discount they offer in a way that’s easy to find, so here is a list a few of the more common as well as the least known credits available to lower your premiums when you buy Chula Vista auto insurance online. If you do not check that you are getting every discount you deserve, you’re just leaving money on the table.Save money with discounts

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, companies don’t profit that way.

The illustration below illustrates the difference between Mercedes-Benz C350 auto insurance costs with and without discounts being applied to the rates. The price estimates are based on a female driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-car, multi-policy, claim-free, and safe-driver discounts applied.

The best auto insurance companies and their offered discounts include:

Check with each insurance company the best way to save money. Some discounts might not be offered in Chula Vista.

Neighborhood insurance agents

Certain consumers would rather get advice from a local agent and that is just fine! Insurance agents can help you build your policy and help file insurance claims. One of the benefits of comparing rates online is that you can find cheap insurance rates and still have an agent to talk to.

Upon completion of this form (opens in new window), your insurance coverage information is instantly submitted to agents in your area who will give competitive quotes and help you find cheaper coverage. You never need to do any legwork since rate quotes are delivered to you. If you want to compare rates for a specific company, you can always go to their quote page and fill out their quote form.

Picking the best provider requires you to look at more than just a cheap price. Here are some questions to ask:

Multiple types of car insurance agents in Chula Vista

When researching a reliable insurance agency, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance policy providers are considered either independent agents or exclusive agents depending on their employer. Either type can insure your vehicles properly, but it is a good idea to know the differences because it may have an impact on your agent selection.

Exclusive Insurance Agents

These type of agents can only provide one company’s prices like State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to place coverage with different providers so always compare other rates. These agents are well trained in insurance sales which helps overcome the inability to quote other rates.

Shown below are exclusive agencies in Chula Vista willing to provide price quote information.

45 Third Ave Ste 104Chula Vista, CA 91910(619) 426-6580View Map

240 F StChula Vista, CA 91910(619) 425-1216View Map

1105 Broadway #202Chula Vista, CA 91911(619) 420-7000View Map

More Chula Vista agents

Independent Insurance Agents

These agents can quote rates with many companies so they can write business with many different companies and help determine which has the cheapest rates. To transfer your coverage to a different company, they simply move your policy to a different company without you having to go to a different agency. When comparing rate quotes, you absolutely need to get rate quotes from several independent insurance agents to get the most accurate price comparison.

Shown below are Chula Vista independent insurance agents willing to provide comparison quotes.

401 H St #10Chula Vista, CA 91910(619) 827-0522View Map

Robert Osorio Insurance
513 Windy WayChula Vista, CA 91914(619) 216-0991View Map

1090 3rd Ave #5Chula Vista, CA 91911(619) 591-1540View Map

More Chula Vista agents

When do I need an agent’s advice?

When buying insurance from an agent or online for your vehicles, there really is not a “perfect” insurance plan. You are unique and your insurance should be unique as well.Higher deductibles save money
Here are some questions about coverages that might point out if your situation would benefit from an agent’s advice.

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Chula Vista auto insurance companies

Insuring your vehicle with the right auto insurance provider is difficult considering how many companies provide coverage in California. The company rank data in the lists below may help you select which auto insurers to look at when comparing rate quotes.

Chula Vista, California Auto Insurance Company Rankings
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: Best Car Insurance Companies

More quotes mean more auto insurance savings

We covered some good ideas how to find cheap Mercedes-Benz C350 insurance in Chula Vista. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper Chula Vista auto insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from a smaller regional carrier. These smaller insurers may have significantly lower prices on certain market segments compared to the large companies like Progressive and GEICO.

Some insurance providers may not provide rates over the internet and these small, regional companies only sell through independent insurance agents. Affordable Mercedes-Benz C350 insurance in Chula Vista is possible on the web and also from your neighborhood Chula Vista agents, and you need to price shop both to have the best rate selection.

More information is available at the links below