Surprisingly, a recent survey revealed that a large majority of consumers have stayed with the same insurance company for more than four years, and 38% of customers have never compared rate quotes at all. Cleveland drivers could save $700 every year, but they just assume it takes a lot of time to shop their coverage around.
The easiest way to find more affordable auto insurance rates in Cleveland is to do an annual price comparison from insurance carriers who provide car insurance in Ohio.
- Try to learn about auto insurance and the measures you can control to drop your rates. Many rating criteria that cause rate increases such as at-fault accidents and a poor credit score can be remedied by making minor driving habit or lifestyle changes.
- Quote rates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only give prices from a single company like GEICO or State Farm, while independent agencies can provide prices from multiple sources. View prices
- Compare the new rate quotes to your existing policy and see if you can save money. If you can save some money and decide to switch, make sure coverage does not lapse between policies.
An essential thing to point out is that you use identical limits and deductibles on each quote request and and to get price estimates from as many auto insurance providers as possible. This enables the most accurate price comparison and many rates to choose from.
The quickest method we recommend to compare car insurance company rates for Mercedes-Benz C350 insurance in Cleveland takes advantage of the fact most of the larger companies actually pay money for the chance to quote your coverage. The only thing you need to do is provide information such as if you are currently licensed, what you do for a living, how you use your vehicles, and the make and model of your vehicles. That rating data is instantly submitted to insurance carriers in your area and they return cost estimate immediately.
To get price quotes for your Mercedes-Benz C350 now, click here and enter the information requested.
The companies shown below are our best choices to provide quotes in Ohio. If your goal is to find cheap car insurance in Cleveland, OH, we suggest you click on several of them to get the best price comparison.
Rates and other information
The premium information below highlights estimates of coverage prices for Mercedes-Benz C350 models. Knowing how prices are determined is important for making smart choices when purchasing an insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $190 | $412 | $256 | $16 | $76 | $950 | $79 |
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium amounts do not factor in specific location which can alter premiums noticeably.
Impact of citations and accidents on Cleveland insurance rates
The chart below highlights how speeding tickets and at-fault collisions raise Mercedes-Benz C350 insurance costs for different categories of driver ages. The rate quotes are based on a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
Rate comparison of men versus women
The diagram below shows the comparison of Mercedes-Benz C350 car insurance rates for male and female drivers. The rates are based on no claims or driving violations, full physical damage coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
Should you buy full coverage?
The illustration below illustrates the comparison of Mercedes-Benz C350 insurance premiums with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no driving violations, no at-fault accidents, $250 deductibles, marital status is single, and no other discounts are factored in.
When to drop comprehensive and collision
There is no set guideline to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
For example, let’s say your Mercedes-Benz C350 replacement cost is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after paying your deductible. If you are paying over $500 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are some conditions where buying only liability insurance is not advised. If you haven’t paid off your loan, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.
Buy Cheaper Auto Insurance with These Tips
Lots of things are used when quoting car insurance. Some factors are common sense such as traffic violations, but other criteria are not quite as obvious such as your marital status and annual miles driven. It’s important that you understand a few of the rating criteria that play a part in calculating your premiums. If you understand what positively or negatively impacts your premiums, this enables informed choices that can earn you big savings.
The factors shown below are some of the things that factor into prices.
Long commutes cost more – Driving more miles annually the more you will pay for auto insurance. A lot of insurance companies charge rates based upon how much you drive. Vehicles that have low annual miles receive better premium rates than vehicles that are driven to work every day. Double check that your policy shows annual mileage, because it can save money. An improperly rated C350 can cost quite a bit.
Liability coverage – Your policy’s liability coverage will afford coverage if ever you are ruled to be at fault for an accident. Your liability coverage provides for a legal defense starting from day one. This coverage is relatively inexpensive compared to comp and collision, so insureds should have plenty of protection for their assets.
Where you live plays a part – Having an address in a small town is a positive aspect when insuring your vehicles. Drivers in populated areas regularly have much more traffic and a longer drive to work. Less people means reduced accidents.
Low deductibles cost more – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Mercedes-Benz. Some examples of covered claims could be a broken windshield, hitting a deer, and damage caused by flying debris. Your deductibles define the amount you are willing to pay before your auto insurance pays a claim. The more of the claim the insured is willing to pay, the less your auto insurance will be.
Reserve policy claims for larger damages – If you file a lot of claims you should expect higher rates. Companies in Ohio award cheaper rates to insureds who only file infrequent claims. Insurance coverage is intended for more catastrophic claims.
Why insurance is not optional
Despite the potentially high cost of Mercedes-Benz C350 insurance, insurance is a good idea for several reasons.
First, almost all states have mandatory insurance requirements which means it is punishable by state law to not carry specific limits of liability insurance if you don’t want to risk a ticket. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you have a loan on your vehicle, more than likely the lender will make it mandatory that you buy full coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Mercedes-Benz for a lot more money and make you pay for the much more expensive policy.
Third, insurance preserves both your Mercedes-Benz C350 and your personal assets. It will also pay for medical transport and hospital expenses for not only you but also any passengers injured in an accident. As part of your policy, liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your insurance policy will pay to repair the damage.
The benefits of having insurance greatly outweigh the cost, especially for larger claims. An average driver in America is currently overpaying as much as $850 per year so compare quotes from several companies each time the policy renews to make sure the price is not too high.