Cheapest Mercedes-Benz E350 Insurance in Columbus

It’s hard to fathom, but almost 70% of drivers in Ohio have remained with the same car insurance company for over three years, and just under half have never even compared rates from other companies. Consumers in the U.S. could cut their rates by approximately $859 a year just by shopping around, but they just don’t understand the rate savings if they bought a different policy.

The easiest way to get discount Mercedes-Benz E350 insurance in Columbus is to regularly compare quotes from insurance carriers in Ohio.

• Step 1: Take a little time to learn about how your policy works and the measures you can control to keep rates low. Many risk factors that cause rate increases such as getting speeding tickets and a substandard credit history can be improved by paying attention to minor details. Later in this article we will cover tips to prevent rate hikes and get additional discounts that may have been overlooked.
• Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from a single company like Progressive or Allstate, while agents who are independent can quote rates from multiple companies. Select a company
• Step 3: Compare the new rates to your existing rates and see if you can save money. If you find a lower rate, verify that coverage does not lapse between policies.

A valuable tip to remember is to make sure you’re comparing identical coverages on each price quote and and to get quotes from as many companies as feasibly possible. Doing this provides the most accurate price comparison and a good representation of prices.

Our objective is to introduce you to how to get online quotes and some tricks to saving. If you have insurance now, you will surely be able to reduce premiums using the ideas covered in this article. Although Ohio vehicle owners should learn the methods companies use to calculate their prices and use this information to your advantage.

The method we recommend to compare policy rates for Mercedes-Benz E350 insurance in Columbus is to take advantage of the fact car insurance companies actually pay money for the chance to compare their rates. All you need to do is provide details like if the vehicle is leased, deductibles desired, your job, and whether the vehicles are used for commuting. Your rating data is instantly submitted to many of the top insurers and you receive quotes almost instantly.

If you would like to start a quote now, click here and enter the information requested.

The companies in the list below have been selected to offer comparison quotes in Columbus, OH. If multiple companies are shown, we suggest you visit two to three different companies in order to find the lowest rates.

Coverage analysis

The price information shown below highlights estimates of insurance rates for Mercedes-Benz E350 models. Learning a little about how insurance premiums are formulated is important to be able to make informed coverage decisions.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Ohio minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, claim-free, and multi-policy. Table data does not factor in garaging location in Columbus which can alter coverage prices substantially.

Policy deductibles

One of the more difficult decisions when buying car insurance is at what level do you set your deductibles. The following insurance rates may help you to understand the premium difference when you choose different insurance deductibles. The first set of prices uses a $250 deductible for physical damage and the second price table uses a $1,000 deductible.

Cost estimates assume married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, claim-free, and safe-driver. Rate information does not factor in vehicle garaging location which can affect coverage rates noticeably.

We can estimate from the data above that using a $250 deductible will cost you approximately $24 more each month or $288 for a full year averaged for all E350 models than quoting the higher $1,000 deductible. Since you would pay $750 more out-of-pocket with a $1,000 deductible as compared to a $250 deductible, if you usually have at a minimum 31 months between claims, you would probably save some money if you decide on a higher deductible.

The example below shows how different deductible levels and can increase or decrease Mercedes-Benz E350 insurance premiums for each different age group. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Careless Columbus drivers pay higher rates

The diagram below demonstrates how traffic citations and accidents drive up Mercedes-Benz E350 car insurance costs for different insured age categories. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no discounts are taken into consideration.

Why you need to buy insurance

Despite the high cost, insuring your vehicle may not be optional for several reasons.

First, almost all states have mandatory insurance requirements which means the state requires a specific minimum amount of liability insurance in order to drive the car. 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 took out a loan on your vehicle, most lenders will have a requirement that you have comprehensive coverage to ensure loan repayment if the vehicle is totaled. If you default on your policy, the lender may have to buy a policy to insure your Mercedes-Benz at a significantly higher premium and require you to pay the higher premium.

Third, insurance protects not only your Mercedes-Benz but also your financial assets. It also can pay for medical expenses for yourself as well as anyone injured by you. One policy coverage, liability insurance, will also pay for a defense attorney if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, your insurance policy will pay to have it repaired.

The benefits of insuring your E350 outweigh the cost, especially if you ever need it. Today the average American driver is wasting up to $810 a year so shop around every year to be sure current rates are still competitive.

Columbus insurance discounts

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can dramatically reduce your bill. A few discounts will be applied when you quote, but some discounts are required to be asked about before being credited.

• Defensive Driver Discount – Successfully completing a course that instructs on driving safety may get you a small discount if you qualify.
• Driving Data Discount – Insureds who allow driving data collection to study vehicle usage remotely like Allstate’s Drivewise may see discounts if they have good driving habits.
• Military Rewards – Having a family member in the military could be rewarded with lower rates.
• Student in College – Kids who live away from home at college and won’t have access to an insured vehicle may be able to be covered for less.
• Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote Columbus auto insurance with select insurance companies.
• Pay Upfront and Save – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.

One last thing about discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.

The chart below shows the comparison of Mercedes-Benz E350 insurance prices with and without policy discounts. The costs are based on a female driver, no claims or driving citations, Ohio state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, multi-car, multi-policy, safe-driver, marriage, and homeowner discounts applied.

Some companies that may include some of the discounts shown above include:

• Progressive
• SAFECO
• American Family
• MetLife
• GEICO
• The Hartford

Before buying, ask every company what discounts are available to you. Some credits might not be offered on policies in Columbus.

Local neighborhood insurance agents

Some consumers would prefer to get professional advice from a licensed agent and that can be a great decision An additional benefit of getting free rate quotes online is the fact that you can find the lowest rates but still work with a licensed agent. And providing support for neighborhood agents is important especially in Columbus.

Upon completion of this simple form, the coverage information is instantly submitted to agents in your area who want to provide quotes and help you find cheaper coverage. You never need to search for an agent since rate quotes are delivered immediately to your email address. Get lower rates and a licensed agent to talk to. If you wish to compare rates from a particular provider, you just need to find their quoting web page to submit a rate quote request.

If you would like to find a good insurance agency, you should know the different agency structures that differ in how they can insure your vehicles. Agents in Columbus are considered either independent (non-exclusive) or exclusive.

Independent Agents

These type of agents do not have single company limitations and that allows them to write policies through many different insurance companies and find you the best rates. If they quote lower rates, your agent can switch companies and you don’t have to do anything.

When shopping rates, you need to include rate quotes from at a minimum one independent agency for the best price selection.

Below is a short list of independent insurance agencies in Columbus who can help you get comparison quotes.

More insurance agents

Exclusive Agents

These agents write business for a single company and examples are Farmers Insurance, State Farm, or Allstate. Exclusive agents are unable to provide other company’s prices so they really need to provide good service. Exclusive insurance agents are well schooled on sales techniques which helps offset the inability to provide other markets.

The following is a short list of exclusive agencies in Columbus who can help you get price quote information.

More insurance agents

Deciding on an insurance agency should depend on more than just the bottom line cost. The questions below may impact your decision as well.

• Where would your vehicle be repaired?
• Which family members are covered?
• Do they have 24-hour customer assistance?
• What company do they have the most business with?
• Are they able to influence company decisions when a claim is filed?

Upon getting positive feedback to any questions you have as well as inexpensive Mercedes-Benz E350 insurance in Columbus quotes, you may have found an auto insurance agent that is a good match to properly insure your vehicles.

When do I need an agent’s advice?

Keep in mind that when it comes to choosing proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that.
For instance, these questions may help highlight whether or not you may require specific advice.

• Should I get collision insurance on every vehicle?
• Should I carry comprehensive and collision coverage?
• If my car is totaled with they pay enough to replace it?
• Is my nanny covered when transporting my kids?
• Am I getting all the discounts available?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• I have health insurance so do I need medical payments coverage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Car insurance 101

Having a good grasp of your policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by auto insurance companies.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox, backing into a parked car and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible on your E350 in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many Ohio drivers carry very low liability coverage limits (Ohio limits are 25/50/25), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these limits are similar to your liability insurance amounts.

Liability insurance

This protects you from damage or injury you incur to other’s property or people. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical services, pain and suffering, funeral expenses and medical expenses. How much coverage you buy is up to you, but consider buying as high a limit as you can afford. Ohio state minimum liability requirements are 25/50/25 but you should think about purchasing better liability coverage.

The next chart shows why buying the state minimum limits may not be adequate.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like theft, vandalism, hitting a deer and falling objects. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like funeral costs, surgery, rehabilitation expenses and EMT expenses. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Compare car insurance rates regularly to save

When you buy Columbus auto insurance online, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to buy a smart amount of coverage at the lowest possible cost, but don’t skip important coverages to save money.

Cost effective Mercedes-Benz E350 insurance is available online as well as from independent agents in Columbus, so you need to shop Columbus auto insurance with both to have the best chance of lowering rates. A few companies may not provide online rate quotes and many times these regional carriers prefer to sell through independent insurance agencies.

Other resources

• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Who Has Cheap Auto Insurance for a Honda Accord in Columbus? (FAQ)
• Who Has the Cheapest Columbus Auto Insurance for a Toyota Tacoma? (FAQ)
• Who Has Affordable Car Insurance Rates for Seniors in Columbus? (FAQ)
• How Much are Auto Insurance Quotes for Teenage Males in Columbus? (FAQ)
• How Much are Columbus Auto Insurance Quotes for a Toyota Highlander? (FAQ)
• Safety Tips for Teen Drivers (Insurance Information Institute)
• Choosing an Insurance Company (Insurance Information Institute)