It takes a few minutes, but the best way to get discount Mercedes-Benz C350 insurance in Long Beach is to annually compare prices from different companies in California. Drivers can shop around by completing these steps.
Step 1: Learn about how companies price auto insurance and the measures you can take to keep rates in check. Many policy risk factors that are responsible for high rates like speeding tickets, accidents and a not-so-good credit history can be rectified by making minor changes in your lifestyle. Continue reading for additional ideas to help keep prices low and find available discounts that you may qualify for.
Step 2: Get rate quotes from direct, independent, and exclusive agents. Exclusive and direct companies can only give prices from a single company like Progressive or Allstate, while independent agents can quote rates for many different companies.
Step 3: Compare the new quotes to your existing rates to see if you can save by switching companies. If you can save money and buy the policy, ensure there is no coverage lapse between policies.
A crucial key to this process is to use identical deductibles and limits on each price quote and and to get price estimates from every company you can. Doing this guarantees the most accurate price comparison and the best price selection.
Smart shoppers know that insurance companies don’t want customers comparing rates. Consumers who shop around once a year are very likely to buy a different policy because there are good odds of finding more affordable rates. A recent insurance study revealed that people who compared prices regularly saved over $865 a year compared to policyholders who never compared prices.
If saving the most money on insurance is why you’re here, learning how to shop and compare cheaper coverage can make it easier for you to save money.
To find low cost Long Beach car insurance quotes, there are several ways to get quotes from many available insurance companies in California. One of the best ways to comparison shop consists of obtaining rate quotes online.
When quoting insurance, remember that making a lot of price comparisons provides better odds of finding a lower rate. Some companies don’t provide Long Beach C350 insurance quotes online, so it’s recommended that you also compare price quotes on coverage from those companies, too.
The companies in the list below are our best choices to provide free quotes in California. If multiple companies are listed, we recommend you get price quotes from several of them to get a more complete price comparison.
Rates and statistics
The information below covers different insurance policy prices for Mercedes-Benz C350 models. Being aware of how insurance prices are calculated is important for drivers to make smart policy decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C350 W 4-Dr Sedan||$478||$932||$442||$26||$132||$2,010||$168|
|Get Your Own Custom Quote Go|
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can impact coverage prices greatly.
Mercedes-Benz C350 insurance rates: Men versus women
The information below illustrates the difference between Mercedes-Benz C350 insurance prices for male and female drivers. Data assumes no claims or driving violations, full physical damage coverage, $500 deductibles, marital status is single, and no other discounts are factored in.
Rate difference between full and liability-only coverage
The illustration below illustrates the comparison of Mercedes-Benz C350 insurance costs when comparing full coverage to liability only. The premium estimates are based on no violations or claims, $1,000 deductibles, drivers are not married, and no policy discounts are applied.
Should you be buying full coverage?
There is no definitive formula to delete comp and collision coverage, but there is a guideline you can use. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Mercedes-Benz C350 book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most you would receive is $8,000 after paying your deductible. If you are paying over $800 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are some cases where buying only liability insurance is not in your best interest. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should keep full coverage in place.
What insurance coverages do I need?
Always keep in mind that when comparing insurance from an agent or online, there isn’t really a single plan that fits everyone. Each situation is unique so this has to be addressed.
These are some specific questions can aid in determining if you might need professional guidance.
- Why do I have to buy liability insurance?
- What if a claim settlement is too low?
- Will I be non-renewed for getting a DUI or other conviction?
- Is my babysitter covered when using my vehicle?
- What is an umbrella policy?
- Is pleasure use cheaper than using my Mercedes-Benz C350 to commute?
- How long can I keep a teen driver on my policy?
- Does my car insurance cover rental cars?
- Who sells insurance for high-risk drivers?
- Where can I get insurance after a DUI in California?
If you can’t answer these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.
Local Long Beach auto insurance agents and car insurance
Some people just want to get professional advice from a licensed agent and often times that is recommended One of the great benefits of getting online price quotes is you may find cheaper premium rates and still buy from a local agent.
To help locate an agent, after submitting this form (opens in new window), the quote information is submitted to companies in Long Beach that give free quotes for your coverage. You never need to leave your computer since rate quotes are delivered to your email. Get lower rates without the usual hassles of price shopping. If you have a need to compare prices from a particular provider, you just need to go to their quote page to submit a rate quote request.
Picking the best provider is decision based upon more than just the bottom line cost. These are some questions your agent should answer.
- Will one accident increase rates?
- Will they make sure you get an adequate claim settlement?
- Do they have a Better Business Bureau rating in Long Beach?
- Are they involved in claim handling?
- Do the companies they represent have a solid financial rating?
If you would like to find a reputable agency, it helps to know the two different types of agents and how they can service your needs differently. Long Beach agents can be categorized as either independent or exclusive depending on the company they work for.
Exclusive Car Insurance Agents
Exclusive agencies can only provide one company’s prices and some examples include Allstate, State Farm and Farm Bureau. They generally cannot provide other company’s prices so keep that in mind. These agents are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Some consumers prefer to buy from the same agent for years partially due to the brand legacy rather than having the cheapest rates.
Below are exclusive agencies in Long Beach willing to provide price quotes.
- Farmers Insurance – Troy Kelly
5353 E 2nd St #207 – Long Beach, CA 90803 – (562) 434-0301 – View Map
- Allstate Insurance: Brenda Soto Bryan
4202 Atlantic Ave Ste 201 – Long Beach, CA 90807 – (562) 426-1752 – View Map
- Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291 – View Map
Independent Car Insurance Agents
Agents that choose to be independent are not employed by one company and that allows them to write policies amongst many companies enabling the ability to shop coverage around. If premiums increase, they simply move your policy to a different company and you don’t have to switch agencies.
When shopping rates, you will want to include at a minimum one independent agency to get the most accurate price comparison. Most also have access to companies that do not advertise much which can save you money.
Listed below are independent agencies in Long Beach willing to provide comparison quotes.
- Adriana’s Insurance Services Inc
1075 E Pacific Coast Hwy – Long Beach, CA 90806 – (562) 344-9222 – View Map
- Global Guard Insurance
1310 Pine Ave d – Long Beach, CA 90813 – (562) 591-5181 – View Map
- Lanterman Insurance Agency, Inc.
5318 E 2nd St #643 – Long Beach, CA 90803 – (562) 743-1607 – View Map
Auto insurance companies ranked
Finding the highest-rated auto insurance provider is difficult considering how many choices drivers have in Long Beach. The ranking information in the lists below can help you select which auto insurance companies you want to consider when comparing rate quotes.
Top 10 Long Beach Car Insurance Companies Ranked by Claims Service
- AAA of Southern California
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
Top 10 Long Beach Car Insurance Companies Overall
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance