Find Affordable Mercedes-Benz E350 Insurance in Seattle

Would you like to stop wasting money and find low-cost Mercedes-Benz E350 insurance in Seattle? Trying to come up with a payment for high-priced auto insurance can diminish your savings and possibly require you to analyze your spending habits.

Unimaginable but true, most consumers have purchased from the same company for more than four years, and roughly 40% of drivers have never compared rate quotes at all. Washington consumers can cut their rates by 40% a year by just comparing quotes, but they just don’t understand how easy it is to shop their coverage around. Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with fancy advertisements and it can be hard to ignore the propaganda and effectively compare rates to find the best deal.

It’s a good habit to take a look at other company’s rates before your policy renews because prices trend upward over time. Even if you got the best deal on Mercedes-Benz E350 insurance in Seattle two years ago other companies may now be cheaper. There is lot of inaccurate information about E350 insurance online, but I’m going to show you some good information on how to buy auto insurance cheaper in Seattle.

Mercedes-Benz E350 Insurance Price Factors

Many things are considered when premium rates are determined. Some factors are common sense like your driving record, but others are less apparent such as your marital status or how safe your car is. One of the most helpful ways to save on insurance is to to have a grasp of the factors that help determine your insurance rates. When you understand what influences your rates, this helps enable you to make changes that could help you find better insurance rates.

• Teen vs. older drivers – Teenage drivers in Washington tend to be inattentive and easily distracted with other occupants in the car so insurance rates are higher. Older, more experienced drivers tend to be more responsible, cause fewer claims and accidents, and get fewer tickets.
• Liability risk factors in – Your policy’s liability coverage provides coverage if ever a court rules you are at fault for causing personal injury or damage in an accident. Your liability coverage provides for a legal defense which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so do not cut corners here.
• Bad credit hurts insurance premiums – An insured’s credit history will be a significant factor in determining premium rates. Consumers who have very high credit ratings tend to be better drivers and file fewer claims than drivers with bad credit. Therefore, if your credit score is low, you may save money insuring your Mercedes-Benz E350 if you improve your credit rating.
• Do you save by driving less? – The more you drive your Mercedes-Benz each year the higher your rates will be. Many insurance companies calculate prices determined by how the vehicle is used. Cars left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Ask your agent if your vehicle rating shows the right rating data, because improper ratings can cost you money. An improperly rated E350 can cost quite a bit.
• Your location is a factor – Residing in less populated areas of the country may provide you with better prices when talking about insurance. Fewer drivers on the road means fewer accidents in addition to lower liability claims City drivers have to deal with congested traffic and longer commute times. More time behind the wheel means higher likelihood of an accident.
• Optional features impact premiums – Owning a car that has a built-in theft deterrent system can help lower your premiums. Systems that thwart thieves like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping auto theft and help lower rates.
• Fast cars cost more to insure – The performance level of the vehicle you are trying to find cheaper insurance for makes a significant difference in your car insurance bill. The lowest rates are usually for lower cost passenger cars, but that’s not the only thing that factors into the final price. Due to the fact that the Mercedes-Benz E350 is classified as a luxury sedan, insuring your vehicle will cost more as compared to the average rate in Seattle.

The best way to compare insurance rates from multiple companies is to know the trick auto insurance companies provide online access to compare their rates. All you need to do is give the companies some data like if you are currently licensed, deductibles desired, the type of vehicles you drive, and the ages of drivers. That information is sent automatically to many different companies and you will receive price estimates instantly.

To compare rates for your Mercedes-Benz E350 now, click here and find out if lower rates are available in Seattle.

The car insurance companies shown below are ready to provide free rate quotes in Washington. If multiple providers are shown, it’s highly recommended you visit several of them to get a more complete price comparison.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in vehicle garaging location which can modify coverage rates noticeably.

An analysis of deductible level

The diagram below demonstrates how choosing different deductibles and can change Mercedes-Benz E350 premium costs for different insured age categories. The rates are based on a married female driver, comp and collision included, and no other discounts are factored in.

Male drivers compared to female drivers in Seattle

The example below visualizes the comparison of Mercedes-Benz E350 insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are factored in.

How high should deductibles be?

One of the more difficult decisions when buying car insurance is the level to set your comp and collision deductibles. The rates below can help you visualize how much more you’ll pay between high and low comp and collision deductibles. The first price estimate table uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can influence premium rates greatly.

Based on the above data, using a $250 deductible costs approximately $17 more each month or $204 each year than buying the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally go at least 15 months between claims, you would save more money if you opt for a higher deductible.

Car insurance does more than just repair your car

Despite the high cost of buying insurance for a Mercedes-Benz E350 in Seattle, insurance serves an important purpose.

First, the majority of states have mandatory insurance requirements which means the state requires a specific level of liability in order to drive the car. In Washington these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if your Mercedes-Benz E350 has a lien holder, more than likely the lender will require you to carry insurance to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Mercedes-Benz at an extremely high rate and force you to reimburse them for the expensive policy.

Third, car insurance protects both your Mercedes-Benz and your personal assets. It will also provide coverage for many types of medical costs for not only you but also any passengers injured in an accident. As part of your policy, liability insurance will also pay attorney fees if you are sued as the result of an accident. If mother nature or an accident damages your car, collision and comprehensive coverages will pay to have it repaired.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. According to a recent study, the average American driver is overpaying more than $700 annually so it’s very important to do a rate comparison once a year at a minimum to save money.

Cheaper Mercedes-Benz E350 insurance quotes in Seattle

Insurance can cost an arm and a leg, but there could be significant discounts that can dramatically reduce your bill. Many of these discounts will be applied automatically at the time you complete a quote, but less common discounts must be asked for before you get the savings.

• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of more than 20%.
• Defensive Driver Discount – Completing a course in defensive driver could earn you a small percentage discount and also improve your driving technique.
• Sign Online – Many larger companies will provide an incentive simply for signing on the web.
• Life Insurance Discount – Some insurance companies give a small discount if you purchase life insurance from them.
• Anti-lock Brake Discount – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and therefore earn up to a 10% discount.
• Safe Driver Discounts – Insureds who avoid accidents can save as much as half off their rates than drivers with accident claims.
• Driver’s Ed – Teen drivers should enroll in driver’s education if offered at their school.

Don’t be shocked that some of the credits will not apply to the overall cost of the policy. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like having all the discounts means you get insurance for free, it’s just not the way it works.

Some of the larger companies that possibly offer these money-saving discounts may include but are not limited to:

• State Farm
• GEICO
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

When getting free Seattle auto insurance quotes, it’s a good idea to each company the best way to save money. Some discounts listed above may not apply to policies in your state. If you would like to view companies that offer discounts in Seattle, click this link.

Local Seattle auto insurance agents and insurance

Some consumers still prefer to get professional advice from a licensed agent and that can be a great decision Good insurance agents can answer important questions and help submit paperwork. The biggest benefit of comparing rate quotes online is you can get cheaper rates and also buy local. And supporting local insurance agencies is important especially in Seattle.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to local insurance agents in Seattle who will give you bids and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to contact an agency because prices are sent to you instantly. If you need to compare prices from a specific insurance provider, feel free to navigate to their website and complete a quote there.

The following are agents in Seattle that may be able to provide rate quotes for Mercedes-Benz E350 insurance in Seattle.

View more agents

Picking a provider requires you to look at more than just a cheap price quote. Any good agent in Seattle should know the answers to these questions.

• Do they get paid more for recommending certain coverages?
• Will they give you a referral list?
• How long has their agency been in business in Seattle?
• How many companies do they write for?
• Are there any extra charges for paying monthly?

What insurance coverages do I need?

When quoting and comparing coverage online or from an agent for your personal vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that
For example, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

• Is extra glass coverage worth it?
• Will my Mercedes-Benz E350 be repaired with OEM or aftermarket parts?
• Should I have combined single limit or split liability limits?
• Do I need motorclub coverage?
• Should I sign the liability waiver when renting a car?
• I don’t drive much so do I pay less?
• Do I need higher collision deductibles?
• Can good grades get a discount?
• Will my rates increase for filing one claim?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Compare car insurance rates regularly to save

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. The ultimate goal is to buy the best coverage you can find at a price you can afford while still protecting your assets.

In this article, we covered a lot of techniques to lower your Mercedes-Benz E350 insurance rates in Seattle. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with an unexpected company. Regional companies often have lower auto insurance rates on specific markets than their larger competitors like State Farm or Progressive.

Lower-priced car insurance in Seattle can be bought on the web and from local agencies, so you need to quote Seattle auto insurance with both to have the best rate selection. Some car insurance companies do not offer online quoting and most of the time these regional insurance providers only sell coverage through local independent agents.

Other information

• Auto Insurance Basics (Insurance Information Institute)
• What Auto Insurance is Cheapest for Welfare Recipients in Seattle? (FAQ)
• Who Has Cheap Seattle Car Insurance for Immigrants? (FAQ)
• Young Drivers: The High Risk Years Video (iihs.org)
• How to Avoid Common Accidents (State Farm)
• Child Safety Seats (Insurance Information Institute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)