Compare Mercedes-Benz E350 Insurance Rates in San Diego

Discount Mercedes-Benz E350 insuranceWant 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.

Mercedes-Benz E350 Insurance Costs in San Diego, CA
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
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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.Save money with discounts

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.Higher deductibles save money
For example, these questions may help you determine if your situation would benefit from an agent’s advice.

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:

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.

View more San Diego agents

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.

View more San Diego agents

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.

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