Best Portland Mercedes-Benz C350 Insurance

If you want to find the absolute lowest rates, then the best way to find affordable quotes for Mercedes-Benz C350 insurance in Portland is to compare prices at least once a year from insurance carriers in Oregon. You can shop around by following these guidelines.

First, get an understanding of how your policy works and the measures you can control to prevent rate increases. Many rating criteria that cause rate increases like traffic tickets, fender benders, and a bad credit rating can be improved by paying attention to minor details.

Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agents can provide rate quotes from multiple sources. Click to view companies

Third, compare the new rate quotes to the price on your current policy and determine if there is any savings. If you find better rates and switch companies, ensure coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company of your decision to cancel the current policy. Submit payment along with a signed and completed policy application for your new policy. Once coverage is bound, put the certificate of insurance in an easily accessible location.

One tip to remember is to compare similar coverage information on each quote request and and to compare as many car insurance companies as possible. Doing this helps ensure a level playing field and a complete price analysis.

It’s an obvious statement that car insurance companies don’t want customers comparing rates. Insureds who compare other prices are likely to switch companies because of the good chance of finding coverage at a more affordable price. Remarkably, a study showed that drivers who routinely compared rates saved approximately $865 a year compared to other drivers who never shopped around for cheaper prices.

If finding low prices for Mercedes-Benz C350 insurance is your ultimate goal, learning how to quote and compare auto insurance can make the process less intimidating.

The providers in the list below offer comparison quotes in Oregon. To get cheaper auto insurance in Portland, it’s a good idea that you visit several of them to get a more complete price comparison.

Portland car insurance discounts

Not too many consumers would say car insurance is affordable, but you might be missing out on some discounts that may help make it more affordable. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be specifically requested before being credited.

• Home Ownership Discount – Just owning your own home may earn you a small savings because of the fact that having a home requires personal responsibility.
• Online Discount – A few companies will discount your bill up to fifty bucks for signing up on your computer.
• Seat Belt Discounts – Buckling up and requiring all passengers to buckle up may be able to save a few bucks off the medical payments premium.
• Anti-theft System – Vehicles that have factory anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Savings for New Vehicles – Putting insurance on a new C350 can be considerably cheaper because new model year vehicles keep occupants safer.
• Discount for Low Mileage – Low annual miles could earn lower rates on the low mileage vehicles.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think you can get free auto insurance, that’s just not realistic. But all discounts should help lower your policy premium.

The diagram below compares Mercedes-Benz C350 insurance costs with and without discounts applied to the policy rates. The premium estimates are based on a male driver, no accidents, no driving violations, Oregon state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, multi-policy, and marriage discounts applied.

Larger car insurance companies and some of the premium reductions they offer can be read below.

• State Farm offers premium reductions for good driver, student away at school, Drive Safe & Save, driver’s education, accident-free, multiple autos, and safe vehicle.
• Progressive offers discounts for multi-vehicle, multi-policy, homeowner, continuous coverage, good student, and online signing.
• Travelers may offer discounts for continuous insurance, IntelliDrive, multi-policy, save driver, hybrid/electric vehicle, new car, and multi-car.
• American Family has discounts for bundled insurance, multi-vehicle, accident-free, good student, early bird, mySafetyValet, and defensive driver.
• Liberty Mutual may have discounts that include new graduate, safety features, newly married, new vehicle discount, and preferred payment discount.

If you need lower rates, check with every prospective company which discounts can lower your rates. Discounts might not be available to policyholders in every state. To locate insurance companies that offer discounts in Portland, click this link.

Detailed insurance information

The premium information displayed below showcases detailed analysis of insurance coverage prices for Mercedes-Benz C350 models. Learning more about how insurance policy rates are formulated is important for drivers to make decisions when shopping your coverage around.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Oregon minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in your specific Portland location which can impact price quotes significantly.

Physical damage deductibles

When buying insurance, a common question is how high or low should comp and collision deductibles be. The data tables below outline the rate differences when you buy lower versus higher coverage deductibles. The first table uses a $100 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Oregon minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in zip code location which can raise or lower insurance rates noticeably.

Based on this data, we can arrive at the conclusion that using a $100 deductible costs about $41 more each month or $492 each year than opting for the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you go more than 22 months between claims, you would save money if you elect the higher deductible. Below is a better example of how you can come to your own conclusion.

One important caveat is that raising deductibles to save money means you will have to pay more of your own money when you have a physical damage claim. That will require enough disposable savings in order to pay the deductible for vehicle repair.

The example below illustrates how your deductible choice and can affect Mercedes-Benz C350 insurance costs for different categories of driver ages. The premiums assume a married male driver, comp and collision included, and no additional discounts are factored in.

How careless driving impacts Portland insurance rates

The information below illustrates how violations and accidents drive up Mercedes-Benz C350 annual premium costs for different age groups of insureds. The premiums are based on a married male driver, full physical damage coverage, $500 deductibles, and no other discounts are factored in.

Insurance premiums based on gender

The chart below shows the comparison of Mercedes-Benz C350 insurance premiums for male and female drivers. The data assumes no accidents, no driving violations, comp and collision included, $1,000 deductibles, single status, and no additional discounts are factored in.

Liability only or full coverage

The example below shows the comparison of Mercedes-Benz C350 insurance prices with full physical damage coverage compared to only buying the minimum liability limits required in Oregon. The prices are based on no claims or driving violations, $100 deductibles, single marital status, and no discounts are taken into consideration.

Deciding between full coverage and liability only

There is no set guideline of when to stop paying for physical damage coverage, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s pretend your Mercedes-Benz C350 replacement cost is $7,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, you would only receive $6,000 after paying your deductible. If premiums are more than $600 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where dropping physical damage coverage is not financially feasible. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not buy liability only.

When should I have guidance from a local insurance agent?

Certain consumers just want to visit with an insurance agent. Professional agents can help you build your policy and help submit paperwork. One of the great benefits of comparing insurance prices online is that you can find cheap car insurance rates and still choose a local agent.

Upon completion of this short form, your information gets sent to agents in your area that provide free Portland car insurance quotes for your car insurance coverage. It’s much easier because you don’t need to contact an agency since rate quotes are delivered immediately to you. If you wish to get a comparison quote from a specific car insurance provider, you would need to go to their quote page to submit a rate quote request.

Deciding on an provider needs to be determined by more than just a cheap price quote. Here are some questions to ask:

• Is there a Errors and Omissions policy in force?
• Do they offer claims assistance after hours?
• Do they specialize in personal lines auto insurance in Portland?
• Can you use your own choice of collision repair facility?
• What kind of financial rating does the company have?
• Are they involved in claim handling?

Choose the right car insurance agent

If you prefer to buy car insurance from a local Portland insurance agency, you need to know there are two different types of agencies and how they are distinctly different. Agents can be described as either independent or exclusive depending on the company they work for. Both can handle car insurance, but it’s important to point out why they differ since it may influence which agent you choose.

Exclusive Insurance Agents

Exclusive agencies can only write with one company and examples are American Family, State Farm, and Allstate. They are unable to shop your coverage around so keep that in mind. Exclusive insurance agents are well trained on sales techniques which helps them sell insurance even at higher premiums.

Listed below is a list of exclusive agents in Portland that are able to give comparison quotes.

View more agents

Independent Car Insurance Agencies

Agents of this type are not limited to a single company so they can quote policies with an assortment of companies depending on which coverage is best. If your premiums go up, they can switch companies in-house and you won’t have to switch agencies.

When searching for an agent, you definitely need to get several quotes from at least one independent agent for maximum quote selection.

Listed below are Portland independent insurance agencies willing to provide price quotes.

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Special considerations

When it comes to proper insurance coverage for your personal vehicles, there really isn’t a “best” method to buy coverage. Your situation is unique and a cookie cutter policy won’t apply.
Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

• Do I need replacement cost coverage?
• Exactly who is provided coverage by my policy?
• What is the ISO rating for a Mercedes-Benz C350?
• Does my medical payments coverage pay my health insurance deductible?
• How does medical payments coverage work?
• Does having multiple vehicles earn me a discount?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance is an important decision

Despite the high insurance cost for a Mercedes-Benz C350 in Portland, auto insurance is most likely required but also gives you several important benefits.

• Most states have minimum liability requirements which means you are required to carry specific minimum amounts of liability insurance coverage if you want to drive legally. In Oregon these limits are 25/50/20 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $20,000 of property damage coverage.
• If you bought your vehicle with a loan, almost all lenders will require that you buy insurance to guarantee loan repayment. If you default on your policy, the lender may insure your Mercedes-Benz at a more expensive rate and force you to reimburse them for the expensive policy.
• Auto insurance protects both your Mercedes-Benz and your personal assets. It also can pay for medical expenses for both you and anyone you injure as the result of an accident. As part of your policy, liability insurance also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.

The benefits of insuring your C350 more than offset the price you pay, particularly for liability claims. The average driver in America overpays more than $865 each year so you should quote rates each time the policy renews to be sure current rates are still competitive.

Learn about auto insurance coverages for a Mercedes-Benz C350

Knowing the specifics of your auto insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Coverage for liability – Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/20 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $20,000.

Liability coverage pays for claims such as court costs, medical services and medical expenses. How much coverage you buy is your choice, but buy higher limits if possible. Oregon state minimum liability requirements are 25/50/20 but drivers should carry better liability coverage.

The illustration below shows why buying minimum limits may not be enough.

Comprehensive auto insurance – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like fire damage, damage from a tornado or hurricane and falling objects. The most your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many Oregon drivers only purchase the least amount of liability that is required (which is 25/50/20), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance pay for bills such as dental work, surgery and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage – This covers damage to your C350 caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, colliding with a tree, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible on your C350 to bring the cost down.

Best auto insurance in Oregon

Buying coverage from the best insurer can be a challenge considering how many companies are available to choose from in Portland. The company rank data in the lists below can help you pick which auto insurance companies you want to consider purchasing coverage from.

Top 10 Portland Car Insurance Companies Ranked by Customer Service

1. GEICO
2. State Farm
3. The Hartford
4. Mercury Insurance
5. The General
6. Progressive
7. Allstate
8. AAA Insurance
9. American Family
10. Nationwide

Top 10 Portland Car Insurance Companies by A.M. Best Rank

1. USAA – A++
2. Travelers – A++
3. GEICO – A++
4. State Farm – A++
5. The Hartford – A+
6. Esurance – A+
7. Nationwide – A+
8. Allstate – A+
9. Mercury Insurance – A+
10. Titan Insurance – A+

Don’t give up on cheap rates

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. The ultimate goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

You just learned many tips how you can find affordable Mercedes-Benz C350 insurance in Portland. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding affordable Portland car insurance quotes. Consumers could even find that the lowest car insurance rates are with some of the lesser-known companies. Some small companies often have lower premium rates on specific markets than the large multi-state companies such as Allstate and Progressive.

Cost effective Mercedes-Benz C350 insurance is possible online as well as from independent agents in Portland, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Helpful articles

• Hybrid vehicles cost insurers more (Insurance Institute for Highway Safety)
• Who Has Cheap Auto Insurance for a Toyota Highlander in Portland? (FAQ)
• How Much are Auto Insurance Rates for a Subaru Outback in Portland? (FAQ)
• Alcohol Impaired Driving FAQ (iihs.org)
• What to do at the Scene of an Accident (Insurance Information Institute)
• Where can I buy Insurance? (Insurance Information Institute)
• Winter Driving (Insurance Information Institute)