Texas shoppers have lots of choices when shopping for affordable Mercedes-Benz E350 insurance. You can either waste hours struggling with agents to compare prices or save time using the internet to find the lowest rates. There are more efficient ways to find car insurance online and we’ll show you the best way to quote coverages for your Mercedes-Benz and locate the cheapest rates from both online companies and Texas agents.
Consumers need to check car insurance prices on a regular basis since rates change frequently. Just because you had the best price on E350 coverage last year a different company probably has better rates today. So ignore everything you know about car insurance because it’s time to teach you the tricks you need to know to save on car insurance.
If you have insurance now or are looking for a new policy, you can use this information to get lower rates while maximizing coverage. This information will instruct you on how car insurance quotes work and some tips to save money. Texas drivers just need to learn the proper way to find the lowest price on the web.
Comprehensive Car Insurance Comparison in Texas
There are several ways to compare car insurance quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance companies in your area, or you could use online quoting to achieve your goal.
The majority of car insurance companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company can provide price quotes for coverage. This system prevents you from having to do repetitive form submissions for each company. To use this form to compare rates click here to open in new window.
The only downside to doing it this way is you are unable to specify the providers you want pricing from. So if you want to choose specific providers to compare prices, we have assembled a list of the cheapest car insurance companies in Texas. Click here for list of insurance companies in Texas.
It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage limits for each comparison quote. If you use higher or lower deductibles it will be next to impossible to determine the best price for your Mercedes-Benz E350.
Pay less by taking advantage of discounts
Auto insurance companies do not advertise every available discount in a way that’s easy to find, so we break down some of the best known and the more hidden ways to save on car insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Claim Free – Drivers who don’t have accidents can save substantially when compared with bad drivers.
- Payment Discounts – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
- Theft Prevention Discount – Cars that have factory anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
- Good Student – Performing well in school can be rewarded with saving of up to 25%. The good student discount can last until age 25.
- Life Insurance Discount – Some companies give lower rates if you buy life insurance.
- Student in College – Kids in college who are attending college and don’t have a car can be insured at a reduced rate.
As a disclaimer on discounts, many deductions do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you could get a free car insurance policy, it just doesn’t work that way.
What if I want to buy from a local Texas agent?
A small number of people just want to talk to a local agent and that is OK! Insurance agents can help determine the best coverages and help file insurance claims. The biggest benefit of comparing rates online is the fact that you can find lower rates but still work with a licensed agent.
After completing this simple form, the quote information is sent to local insurance agents who will battle to get your business. There is no reason to drive around since price quotes are sent immediately to your email address. It doesn’t get any easier!
Selecting a company should depend on more than just a cheap price. These are valid questions to ask:
- Did they already check your driving record and credit reports?
- Is their price quote a firm figure or are their hidden costs?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they regularly work with personal auto policies?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- What insurance companies do they recommend if they are an independent agent?
- What are the financial ratings for the companies they represent?
Texas auto insurance agents come in two flavors
When finding a reliable agent, you need to know there are two different agency structures from which to choose. Texas agents are classified as either captive or independent. Both types can write coverage properly, but it’s good to learn how they are different because it can impact your selection of an agent.
Agency Captives
This type of agents can only write with one company and some examples include State Farm, AAA and Liberty Mutual. Captives cannot place coverage with different providers so keep that in mind. Captive agents are very knowledgeable on their products and sales techniques which helps them compete with independent agents. Some people will only buy insurance from these agents primarily because of high brand loyalty and the convenience of having a single billing for all their coverages.
Independent Agencies or Brokers
Independent agents are not required to write business for one company but rather can write business amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, the business is moved internally and you won’t have to switch agencies.
When comparison shopping, we recommend you include several independent insurance agents to get the best comparison. Most have the option of insuring with smaller companies which can save you money.
For a full directory of agencies in Texas, visit this page.
Once you have good answers for all questions you ask as well as a affordable price, you may have just found an auto insurance agent that can properly service your car insurance policy.
More tips and info about car insurance can be found at the Texas Department of Insurance website. Visitors are able to read state legal mandates and laws, read consumer alerts, and find a variety of consumer forms.
Also read more on this site for car insurance information in Texas and this directory of Texas insurance agents.
Buy online or local, you save
Budget-conscious Mercedes-Benz E350 insurance can be bought from both online companies in addition to many Texas insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
We just showed you some good ideas how to lower your Mercedes-Benz E350 insurance rates. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even find the best price on car insurance is with some of the lesser-known companies.
When trying to cut insurance costs, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible at a price you can afford while still protecting your assets.