If you want to save money, the best way to get affordable Mercedes-Benz E350 insurance in Stockton is to start comparing prices regularly from providers that insure vehicles in California. You can shop around by following these guidelines.
- It will benefit you to learn about how insurance works and the factors you can control to prevent expensive coverage. Many things that result in higher rates such as accidents, traffic tickets, and a poor credit rating can be rectified by making minor driving habit or lifestyle changes.
- Obtain price quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can quote rates for a wide range of insurance providers.
- Compare the new rate quotes to the price on your current policy and see if you can save money. If you find a better price and change companies, ensure coverage does not lapse between policies.
One bit of advice is to use similar coverage information on each quote and and to analyze every company you can. Doing this guarantees the most accurate price comparison and a good representation of prices.
A recent NerdWallet.com study revealed that a large majority of drivers in California have been with the same company for more than four years, and approximately 38% of consumers have never compared car insurance rates at all. With the average premium in the United States being $1,847, drivers can cut their rates by 47% a year by just comparing quotes, but most undervalue how much savings they would realize if they moved their coverage to a different company.
Finding the lowest-priced insurance in Stockton is simple if you know the tricks. If you have insurance now or are shopping for new coverage, you can follow these tips to save money without reducing coverage. Drivers just have to use the tricks to get comparison quotes online.
Finding cheaper Stockton auto insurance prices is a fairly straight forward process. The only thing you need to do is take a few minutes to compare rates provided by online insurance companies.
Online shopping is fast and free, and it makes it obsolete to physically go to insurance agents’ offices. The internet eliminates this option unless you have a need for the personal advice only provided by licensed Stockton agents. Although you can comparison shop online but buy the policy through an agent.
The car insurance companies shown below are our best choices to provide free rate quotes in California. If multiple companies are shown, we recommend you compare several of them in order to find the cheapest rates.
Why you need to buy car insurance
Despite the potentially high cost of Mercedes-Benz E350 insurance, insuring your vehicle is required by state law in California and it also provides benefits you may not be aware of.
- Just about all states have minimum mandated liability insurance limits which means state laws require a minimum amount of liability coverage in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your E350, almost all lenders will have a requirement that you buy insurance to guarantee their interest in the vehicle. If coverage lapses or is canceled, the bank may buy a policy for your Mercedes-Benz at a more expensive rate and force you to pay the higher price.
- Insurance protects both your vehicle and your personal assets. It also can pay for most medical and hospital costs that are the result of an accident. Liability coverage, the one required by state law, also covers legal expenses if you are sued as the result of an accident. If your Mercedes-Benz gets damaged, comprehensive and/or collision insurance will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance more than offset the price you pay, especially if you ever need it. Today the average American driver is currently overpaying as much as $800 each year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.
Premium rates and analysis
The data table displayed next outlines a range of insurance coverage prices for Mercedes-Benz E350 models. Understanding how insurance prices are established is important for making smart choices when selecting a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| E350 2-Dr Coupe | $398 | $794 | $492 | $30 | $148 | $1,862 | $155 |
| E350 4-Dr Sedan | $438 | $712 | $382 | $22 | $114 | $1,668 | $139 |
| E350 with 4-MATIC 4-Dr Sedan | $438 | $712 | $382 | $22 | $114 | $1,668 | $139 |
| Get Your Own Custom Quote Go | |||||||
Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Rates do not factor in specific location which can revise coverage prices substantially.
The information below illustrates how your choice of deductibles and can impact Mercedes-Benz E350 premium costs for each different age category. The data assumes a married male driver, full coverage, and no discounts are factored in.
Impact of careless driving on auto insurance rates
The example below illustrates how speeding tickets and at-fault claims can influence Mercedes-Benz E350 car insurance rates for each different age category. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
Take advantage of these discounts on Mercedes-Benz E350 insurance in Stockton
Not many people think insurance is cheap, but you may be missing some discounts to reduce the price significantly. A few discounts will automatically apply when you purchase, but some may not be applied and must be specially asked for before you will receive the discount. If you’re not getting every credit possible, you could be paying more than you need to.
- Senior Citizen Rates – Mature drivers can get a small decrease in premiums.
- ABS Braking Discount – Cars with ABS and/or traction control can reduce accidents and therefore earn up to a 10% discount.
- Auto/Home Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
- Multi-car Discount – Buying a policy with several vehicles on one policy may reduce the rate for each vehicle.
- Student in College – College-age children who live away from home to go to college and do not take a car to college can receive lower rates.
- Discounts for Government Workers – Active or retired federal employment may reduce rates when you quote Stockton auto insurance with select insurance companies.
It’s important to understand that some of the credits will not apply to the entire cost. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, companies wouldn’t make money that way.
The information below illustrates the comparison of Mercedes-Benz E350 insurance costs with and without discounts applied to the policy rates. The information is based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, homeowner, marriage, claim-free, multi-car, and safe-driver discounts applied.
If you would like to see a list of insurers that offer some of these discounts in Stockton, click here to view.
Car insurance is unique, just like you
When buying coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique so this has to be addressed.
These are some specific questions could help you determine whether or not you might need an agent’s assistance.
- How high should my uninsured/underinsured coverage be in California?
- Should I have combined single limit or split liability limits?
- At what point should I drop full coverage?
- Is my ex-spouse still covered by my policy?
- What can I do if my company denied a claim?
- What is an adequate liability insurance limit?
- Am I covered if I crash into my own garage door?
- Does low annual mileage earn a discount?
- Are all vehicle passengers covered by medical payments coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.