Dallas consumers have lots of choices when looking for the lowest priced Mercedes-Benz E350 insurance. They can either spend hours driving around trying to get quotes or save time using the internet to find the lowest rates.
There are more efficient ways to shop for car insurance so you’re going to learn the absolute fastest way to compare rates for your Mercedes-Benz and locate the lowest price from both online companies and Dallas agents.
It’s a good habit to do rate comparisons on a regular basis since prices change quite often. Even if you think you had the best deal on E350 insurance on your last policy you will most likely find a better rate quote today. Ignore everything you know about car insurance because we’re going to demonstrate how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.
This article will teach you the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. But Texas drivers need to learn how the larger insurance companies sell online and apply this information to your search.
Insurance Premium Influencing Factors
One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help determine your policy premiums. When consumers understand what influences your rates, this empowers consumers to make smart changes that could help you find cheaper rates.
The items below are a few of the things that factor into your rate level.
- Costs may be higher where you live – Residing in a rural area has it’s advantages when trying to find low car insurance rates. Fewer drivers and short commutes means fewer accidents in addition to fewer liability claims. Drivers who live in large Texas cities have to deal with congested traffic and longer commutes to work. More time behind the wheel means higher likelihood of an accident.
- Increase coverage deductibles and save – Your deductibles represent how much money you are willing to pay before a claim is paid by your company. Coverage for physical damage, also called comprehensive and collision insurance, insures against damage to your car. Examples of covered claims would be collision with another vehicle, damage from fire, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the less your company will charge you for insurance on E350 insurance.
- Save money by eliminating add-on coverages – There are a lot of optional add-on coverages that sound like a good idea at the time if you aren’t diligent. Insurance for roadside assistance, towing, and extra equipment coverage are examples of these. They may sound like good ideas when talking to your agent, but if you’ve never needed them in the past get rid of them and save.
- Guys pay higher rates – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. It does not mean men are worse drivers. They both cause auto accidents at about the same rate, but guys have costlier accidents. Men also statistically get ticketed for serious violations such as DWI and reckless driving.
- Protect yourself with liability protection – Your car insurance policy’s liability coverage will afford coverage in the event that a court rules you are at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense starting from day one. This coverage is very inexpensive compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
- Lower annual miles equals lower premium – Driving more miles in a year the more you will pay for car insurance. A lot of insurance companies rate vehicles based on their usage. Cars that are left in the garage can be on a lower rate level than vehicles that are driven to work every day. Double check that your vehicle rating is rated on the correct driver usage, because improper ratings can cost you money. A policy that improperly rates your E350 is throwing money out the window.
Buy Dallas car insurance online
All the larger car insurance companies like GEICO, State Farm and Progressive allow consumers to get prices for coverage on their websites. Getting prices online doesn’t take a lot of time because it’s just a matter of typing in the coverage amounts you desire as detailed in the form. After you complete the form, the quote system makes automated requests for information on your driving record and credit history and generates a price based on the information you submitted.
This simplifies rate comparisons, but the work required to visit different websites and type in the same data is a waste of time. But it’s necessary to have as many quotes as possible if you want to find better car insurance pricing.
A more efficient way to compare car insurance pricing utilizes a single form to return rates from a lot of companies. It saves time, reduces the work, and makes comparison shopping a little more enjoyable. As soon as you send your information, it is rated and you are able to buy any one of the pricing results.
If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and could lower your rates considerably.
To find out how much you’re overpaying now, click here to open in a new tab and complete the simple form. To compare your current rates, we recommend you duplicate just like they are on your policy. This makes sure you will have a price comparison using the same coverage and limits.
These discounts can lower your car insurance rates
Companies offering auto insurance don’t list every discount very clearly, so the following is a list of some of the best known as well as the least known credits available to lower your premiums when you . If you don’t get every credit you qualify for, you are just wasting money.
- Discount for Swiching Early – Select larger companies give a discount for switching to them early. It can save you around 10%.
- Pay Upfront and Save – By paying your entire bill at once instead of paying each month you can avoid monthly service charges.
- Discount for Home Ownership – Owning your own home or condo can help you save on car insurance due to the fact that maintaining a home requires a higher level of personal finance.
- Paper-free Discount – A few larger companies provide a small discount for buying your policy digitally online.
- Defensive Driver Discounts – Successfully completing a course that instructs on driving safety could cut 5% off your bill depending on where you live.
- Anti-theft System – Cars equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
A quick disclaimer, most credits do not apply the the whole policy. Most cut individual premiums such as comprehensive or collision. So even though it sounds like adding up those discounts means a free policy, you aren’t that lucky.
Companies and some of the premium reductions they offer are detailed below.
- Mercury Insurance includes discounts for professional/association, accident-free, annual mileage, location of vehicle, anti-theft, age of vehicle, and good driver.
- Farmers Insurance may have discounts that include good student, alternative fuel, pay in full, distant student, youthful driver, early shopping, and electronic funds transfer.
- Farm Bureau may include discounts for multi-policy, good student, safe driver, youthful driver, and multi-vehicle.
- State Farm has discounts for good student, good driver, Drive Safe & Save, multiple policy, passive restraint, multiple autos, and accident-free.
- Allstate discounts include multi-policy, utility vehicle, eSmart discount, defensive driver, economy car, and anti-theft.
- GEICO policyholders can earn discounts including air bags, anti-lock brakes, defensive driver, seat belt use, federal employee, and multi-vehicle.
It’s a good idea to ask every company how you can save money. Discounts might not be available to policyholders in every state.
Car insurance is available from local insurance agents
Some people would rather get professional advice from a licensed agent and that is OK! One of the great benefits of comparing rates online is that you can obtain the best rates and also buy local. Putting coverage with local agents is especially important in Dallas.
To help locate an agent, after submitting this simple form, the quote information is emailed to insurance agents in Dallas who can give free rate quotes to get your business. You never need to find an agent on your own because prices are sent directly to you. You can get cheaper car insurance rates and a licensed agent to talk to. If you want to get a comparison quote for a specific company, you would need to navigate to their website and complete a quote there.
If you prefer to buy car insurance from a local Dallas insurance agency, it’s important to understand the different agency structures and how they differ in how they quote coverages. Insurance agencies in Dallas are considered either independent (non-captive) or captive.
Independent Car Insurance Agencies or Brokers
Agents in the independent channel are not limited to a single company so they can write business with multiple insurance companies and find the cheapest car insurance rates. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.
If you need cheaper car insurance rates, you need to include price quotes from several independent insurance agents for the best price selection. Many can place coverage with less well-known companies which can be an advantage.
Captive Car Insurance Agencies
These type of agents can only quote rates from one company such as AAA, State Farm, Farmers Insurance, and Allstate. Captives cannot compare other company’s rates so they have no alternatives for high prices. Captive insurance agents are very knowledgeable on their products and sales techniques which helps overcome the inability to quote other rates. Consumers frequently buy insurance from these agents partially due to loyalty to the company and strong financial ratings.
Choosing the best insurance agency is decision based upon more than just the quoted price. Here are some questions you might want to ask.
- Will they give you a referral list?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Is working in the agency their full-time job?
- Do they regularly work with personal auto policies in Dallas?
- Will your rates increase after a single accident?
Car insurance can be complex
When it comes to buying the best car insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.
For example, these questions might point out if you would benefit from an agent’s advice.
- When would I need additional glass coverage?
- What can I do if my company denied a claim?
- How high should my uninsured/underinsured coverage be in Texas?
- Am I covered when using my vehicle for business?
- When should my teen driver be added to my policy?
- Why am I be forced to buy a membership to get insurance from some companies?
- When should I remove comp and collision on my Mercedes-Benz E350?
- Is a new car covered when I drive it off the dealer lot?
- Is rental equipment covered for theft or damage?
- Do I have coverage when using my vehicle for my home business?
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.
Much more information about car insurance in Texas is available on the website for the Texas Department of Insurance. Click here for link. Texas drivers can read state legal mandates and laws, find disaster information, file complaints about a company, and read industry bulletins.
Other related articles:
- Methods for Lowering Your Dallas Texas Auto Insurance Rates
- Useful Tips for Finding a Dallas, TX Insurance Agent
Best coverage at the best price
Consumers change insurance companies for any number of reasons including being labeled a high risk driver, policy cancellation, not issuing a premium refund and even delays in responding to claim requests. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.
You just learned a lot of tips how to compare Mercedes-Benz E350 insurance rates online. It’s most important to understand that the more companies you get auto insurance rates for, the better your comparison will be. Consumers may even find the lowest rates are with a smaller regional carrier.
Some insurance companies may not have online price quotes and these regional insurance providers provide coverage only through independent insurance agencies. Budget-conscious Mercedes-Benz E350 insurance is attainable online as well as from independent agents in Dallas, so you should compare both to have the best chance of lowering rates.