Want to learn the secrets to finding cheaper car insurance rates in San Diego, CA? San Diego shoppers have lots of choices when shopping for the best price on Mercedes-Benz E350 insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to find the lowest rates. There is a right way and a wrong way to find car insurance online and we’ll show you the best way to get price quotes for your Mercedes-Benz and locate the lowest price.
It’s a good idea to get comparison quotes before your next renewal because insurance prices are usually higher with each renewal. Even if you think you had the lowest rates on Mercedes-Benz E350 insurance in San Diego a year ago you can probably find a lower rate today. Block out anything you think you know about car insurance because you’re going to get a crash course in the right way to save money, get proper coverage and the best rates.
Cheap Mercedes-Benz insurance rates in San Diego
The companies shown below are ready to provide comparison quotes in San Diego, CA. If multiple companies are shown, we recommend you visit several of them to get the most affordable price.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| E350 2-Dr Coupe | $334 | $838 | $360 | $22 | $108 | $1,662 | $139 |
| E350 4-Dr Sedan | $300 | $606 | $280 | $16 | $84 | $1,286 | $107 |
| E350 with 4-MATIC 4-Dr Sedan | $540 | $882 | $382 | $22 | $114 | $1,940 | $162 |
| Get Your Own Custom Quote Go | |||||||
Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in San Diego location which can influence insurance rates greatly.
Auto insurance deductibles
The example below illustrates how your choice of deductibles and can impact Mercedes-Benz E350 insurance prices for different insured age categories. The prices are based on a single female driver, full physical damage coverage, and no discounts are applied.
Slash rates with these eight discounts
Insurance can cost an arm and a leg, but there’s a good chance there are discounts that you may not know about. A few discounts will be applied at the time you complete a quote, but some need to be asked about before they will apply. If you do not double check each discount possible, you are paying more than you should be.
- Claim Free – Drivers with accident-free driving histories have much lower rates in comparison to policyholders that have many claims.
- Safe Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than drivers with accidents.
- Defensive Driving Course – Taking part in a class that teaches defensive driving techniques could earn you a small percentage discount and also improve your driving technique.
- Paperless Signup – Some of the larger companies will discount your bill up to fifty bucks for buying your policy over the internet.
- Early Renewal Discounts – Some insurance companies reward drivers for switching companies prior to the expiration date on your current E350 insurance policy. This can save 10% or more.
- Payment Method – If you pay your entire premium ahead of time rather than paying in monthly installments you may have a lower total premium amount.
- Buy New and Save – Insuring a new E350 can be considerably cheaper since new model year vehicles have better safety ratings.
- Auto/Life Discount – Some insurance companies give a discount if you purchase life insurance.
Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
Insurance companies that may have most of the discounts above include:
When getting a coverage quote, ask all the companies what discounts are available to you. Some discounts listed above may not be offered in every state. To view companies offering auto insurance discounts in California, click here.
Will just any policy work for me?
When choosing your policy, there really isn’t a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that.
For example, these questions may help you determine if your situation would benefit from an agent’s advice.
- Do I benefit by insuring my home with the same company?
- Will my insurance pay for OEM parts?
- Am I covered by my spouse’s policy after a separation?
- Will my rates increase for filing one claim?
- Why do I have to buy liability insurance?
- Where can I find high-risk insurance?
- Do I need special coverage while pulling a rented trailer?
If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.
You may want advice from an insurance agency
Many people just prefer to get professional advice from a licensed agent and that is a smart decision Good insurance agents are highly skilled in risk management and help in the event of a claim. A nice benefit of getting free rate quotes online is you may find cheap insurance quotes and still choose a local agent.
By using this simple form, your coverage information is transmitted to local insurance agents who can give free rate quotes and help you find cheaper coverage. You won’t need to visit any agencies since price quotes are sent to you directly. If you need to compare rates from a specific company, you just need to search and find their rate quote page and fill out the quote form the provide.
Choosing an provider requires more thought than just a cheap quote. Agents should be asked these questions:
- Will the company cover a rental car if your car is getting fixed?
- Do they review policy coverages at every renewal?
- Is the agent CPCU or CIC certified?
- What insurance companies do they recommend if they are an independent agent?
- Who is covered by the car insurance policy?
- How many years have they been established?
- Does the agent have a valid license to sell insurance in California?
- Can they provide you with a list of referrals?
Exclusive and independent San Diego auto insurance agents
When narrowing the list to find a local agent, you must know there are a couple types of agencies to choose from. Insurance agencies can be classified as either independent agents or exclusive agents depending on their employer. Both types can sell and service insurance coverage, but it’s important to know the difference in how they write coverage because it may have an impact on the type of agent you choose.
Exclusive Insurance Agencies
These type of agents generally can only insure with one company such as Farmers Insurance or State Farm. Exclusive agents cannot compare other company’s rates so always compare other rates. Exclusive agents are highly trained on their products and sales techniques and that can be a competitive advantage. Many people buy from exclusive agents mainly due to the brand name and solid financial strength.
The following is a list of exclusive insurance agents in San Diego that are able to give rate quotes.
- Steve Lewis – State Farm Insurance Agent
7424 Jackson Dr Ste 7 – San Diego, CA 92119 – (619) 466-3276 – View Map - Lazaro Neto – State Farm Insurance Agent
4444 El Cajon Blvd #13 – San Diego, CA 92115 – (619) 229-6799 – View Map - Fred Shadlow – State Farm Insurance Agent
7332 Casper Dr – San Diego, CA 92119 – (619) 464-4261 – View Map
Independent Agents (or Brokers)
Independent agencies are not limited to a single company so they can insure your vehicles with multiple insurance companies and find the cheapest rate. If they find a lower price, an independent agent can move your coverage and you don’t have to find a new agent.
If you are comparing insurance prices, we recommend you include rate quotes from several independent agencies to have the best price comparison. Many independent agencies also insure through less well-known companies which can be an advantage.
Shown below is a short list of independent insurance agencies in San Diego who can help you get price quotes.
- AG Insurance Agency
11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880 – View Map - Rubin Insurance
6363 Greenwich Dr #120 – San Diego, CA 92122 – (858) 457-5720 – View Map - ARROWHEAD General Insurance Agency, Inc.
701 B St #2100 – San Diego, CA 92101 – (619) 744-5000 – View Map
Auto insurance coverages and their meanings
Understanding the coverages of your auto insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.
Uninsured or underinsured coverage – This provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz E350.
Due to the fact that many California drivers carry very low liability coverage limits (15/30/5 in California), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive protection – This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims such as vandalism, damage from getting keyed, fire damage, a tree branch falling on your vehicle and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Liability – Liability coverage provides protection from injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 15/30/5 that translate to a $15,000 limit per person for injuries, $30,000 for the entire accident, and a limit of $5,000 paid for damaged property.
Liability can pay for claims like pain and suffering, attorney fees, legal defense fees and medical expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford. California requires drivers to carry at least 15/30/5 but you should think about purchasing more coverage.
Collision coverages – Collision insurance covers damage to your E350 caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sideswiping another vehicle, sustaining damage from a pot hole, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible on your E350 to bring the cost down.
Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like hospital visits, doctor visits, rehabilitation expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available and may carry a deductible
Get the best coverage at the best price
Some car insurance companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents. The cheapest Mercedes-Benz E350 insurance in San Diego is possible on the web and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from.
We covered a lot of tips how to reduce Mercedes-Benz E350 insurance rates online in San Diego. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the biggest savings come from some of the smallest insurance companies. Smaller companies can often provide lower auto insurance rates in certain areas than the large multi-state companies such as Allstate or State Farm.
Other articles
- Your Car has been Stolen: Now What? (Allstate)
- Who Has the Cheapest Auto Insurance Quotes for Drivers Requiring a SR22 in San Diego? (FAQ)
- Auto Insurance Facts and Statistics (Insurance Information Institute)
- State Laws for Cellphones and Texting (iihs.org)