Mercedes-Benz E350 Insurance Rate Quotes in Arlington

Trying to come up with a payment for pricey car insurance can deplete your bank account and possibly require you to analyze your spending habits. Performing a rate comparison is a smart way to make ends meet.

Insurance for Mercedes-Benz E350It’s safe to conclude that car insurance companies want to keep you from comparing rates. Consumers who get price quotes annually are likely to switch companies because there is a significant possibility of finding a lower-priced company. Surprisingly, a recent survey revealed that people who routinely compared quotes saved as much as $3,500 over four years compared to drivers who never shopped around for cheaper prices.

If finding discount rates on Mercedes-Benz E350 insurance is why you’re reading this, learning how to shop and compare insurance premiums can help simplify the process. Many insurers vie for your insurance dollar, and it can be difficult to compare rates and get the definite cheapest price on Mercedes-Benz E350 insurance in Arlington.

You should make it a habit to check car insurance prices as often as possible because car insurance rates are variable and change quite frequently. Just because you had the best rate on Mercedes-Benz E350 insurance in Arlington a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the right way to save on car insurance.

If you already have coverage or are shopping for new coverage, use these money-saving tips to find better prices and possibly find even better coverage. Locating the best rates in Arlington can be much easier if you know how to start. Smart buyers just need to learn the quickest way to compare prices from multiple carriers.

Arlington car insurance discounts

Companies that sell car insurance don’t necessarily list all discounts very well, so the list below details a few of the more well known as well as the least known credits available to you.Discount car insurance

It’s important to note that most of the big mark downs will not be given to the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates it’s possible to get free car insurance, that’s just not realistic.

The chart below shows the comparison of Mercedes-Benz E350 auto insurance costs with and without policy discounts. The prices are based on a female driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, claim-free, safe-driver, homeowner, and marriage discounts applied.

To find providers with the best discounts in Arlington, click here.

The following companies have been selected to offer free rate quotes in Texas. If multiple companies are listed, we suggest you visit two to three different companies to get a more complete price comparison.

Premium rates and analysis

The table displayed below covers estimates of insurance coverage prices for Mercedes-Benz E350 models. Being aware of how policy premiums are established can benefit drivers when making informed decisions when comparing rate quotes.

Mercedes-Benz E350 Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $178 $454 $310 $18 $94 $1,054 $88
E350 4-Dr Sedan $196 $408 $242 $14 $72 $932 $78
E350 with 4-MATIC 4-Dr Sedan $196 $408 $242 $14 $72 $932 $78
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Prices do not factor in specific garaging location which can raise or lower auto insurance rates greatly.

Policy deductible comparison

A question often asked by Arlington drivers is how high or low should comp and collision deductibles be. The comparisons below highlight the rate differences of buying low and high deductibles. The first set of rates uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Mercedes-Benz E350 insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $370 $850 $324 $20 $96 $1,685 $140
E350 4-Dr Sedan $408 $762 $252 $14 $76 $1,537 $128
E350 with 4-MATIC 4-Dr Sedan $408 $762 $252 $14 $76 $1,537 $128
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Mercedes-Benz E350 insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $300 $686 $324 $20 $96 $1,426 $119
E350 4-Dr Sedan $332 $614 $252 $14 $76 $1,288 $107
E350 with 4-MATIC 4-Dr Sedan $332 $614 $252 $14 $76 $1,288 $107
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific Arlington garaging location which can increase or decrease insurance rates substantially.

Based on the data above, we can derive that using a $250 deductible costs about $21 more each month or $252 every year averaged for all E350 models than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at least 12 months between claim filings, you would probably be better off by going with a higher deductible.

Safe drivers pay cheaper rates

The chart below shows how violations and at-fault claims impact Mercedes-Benz E350 auto insurance costs for each different age category. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.

Should you buy full coverage?

The diagram below shows the comparison of Mercedes-Benz E350 insurance prices with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are applied.

When to stop buying full coverage

There is no exact rule for excluding physical damage coverage, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of replacement cost minus your deductible, then you might want to consider buying only liability coverage.

For example, let’s assume your Mercedes-Benz E350 book value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying the physical damage deductible. If premiums are more than $400 annually for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are a few situations where removing full coverage is not in your best interest. If you haven’t paid off your loan, 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 in the even your car is totaled, you should keep full coverage in place.

Can’t I compare rate quotes from local Arlington auto insurance agents?

Many drivers just want to visit with an insurance agent and that can be a smart move Agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing insurance prices online is you may find lower prices and still buy from a local agent. And providing support for neighborhood insurance agencies is especially important in Arlington.

Insurance agency in ArlingtonFor easy comparison, once you complete this short form, your insurance data is emailed to companies in Arlington who will gladly provide quotes for your business. You don’t have to contact any agents as quotes are delivered immediately to you. If you need to compare prices from a specific company, you can always go to their quote page to submit a rate quote request.

Finding a good insurance company shouldn’t rely on just the price. These are some questions your agent should answer.

Car insurance coverage information

Learning about specific coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types available from insurance companies.

Liability – This provides protection from damage that occurs to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 30/60/25 that means you have a $30,000 limit per person for injuries, a per accident bodily injury limit of $60,000, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, legal defense fees, structural damage, court costs and emergency aid. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Texas state minimum liability requirements are 30/60/25 but drivers should carry more coverage.

The illustration below shows why buying low liability limits may not be adequate.

Medical expense coverage – Med pay and PIP coverage pay for expenses such as X-ray expenses, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with a tree, sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible on your E350 in order to get cheaper collision rates.

Comprehensive protection – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many Texas drivers carry very low liability coverage limits (Texas limits are 30/60/25), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liability limits.

Don’t give up on cheaper rates

You just learned a lot of information how to reduce Mercedes-Benz E350 insurance prices online in Arlington. The key thing to remember is the more you quote Arlington car insurance, the better likelihood of getting cheaper Arlington car insurance quotes. Consumers may even find the biggest savings come from a small local company. These companies can often insure niche markets at a lower cost compared to the large companies like Allstate, GEICO and Progressive.

When trying to cut insurance costs, never reduce coverage to reduce premium. There are a lot of situations where an accident victim reduced collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

How to find low-cost Mercedes-Benz E350 insurance in Arlington

Truthfully, the best way to get low-cost Mercedes-Benz E350 insurance is to make a habit of regularly comparing prices from different companies in Arlington.

Step 1: Take a little time to learn about coverages and the measures you can control to prevent expensive coverage. Many factors that cause rate increases such as inattentive driving and bad credit can be amended by improving your driving habits or financial responsibility.

Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can only give prices from one company like GEICO or State Farm, while independent agents can quote prices from multiple sources. View insurance agents

Step 3: Compare the new rates to your current policy and determine if there is any savings. If you find a better price, make sure coverage is continuous and does not lapse.

Step 4: Provide notification to your current agent or company of your intention to cancel your current car insurance policy and submit a down payment along with a completed application for your new coverage. Once received, place the new certificate verifying coverage above your visor, in the console, or in the glove compartment.

The most important part of shopping around is to try to use identical limits and deductibles on every quote request and and to get price quotes from as many carriers as you can. This ensures a fair rate comparison and the best price quote selection.

More detailed insurance information is available at these sites: