Want to learn how to find low-cost insurance rates in Pittsburgh, PA? Pittsburgh shoppers have many options when shopping for the best price on Mercedes-Benz C350 insurance. You can either spend your time calling around to get rate comparisons or utilize the internet to compare rates.
There is a better way to shop for insurance and we’ll show you the proper way to get price quotes on a Mercedes-Benz and obtain the lowest possible price from Pittsburgh insurance agents and online providers.
Ways to get Mercedes-Benz C350 insurance price quotes in Pittsburgh
Most of the larger companies like Allstate, GEICO and Progressive make it easy to get prices direct online. Getting Mercedes-Benz C350 insurance prices online is quite easy as you simply type in your coverage preferences as detailed in the form. Once entered, the company’s rating system will order reports for credit and driving violations and generates a price based on the information you submitted.
Getting online quotes for Mercedes-Benz C350 insurance in Pittsburgh simplifies rate comparisons, and it is important to have as many quotes as possible if you are searching for cheaper auto insurance pricing.
In order to compare rates using this form now, check out the auto insurance providers below. If you have a policy now, it’s recommended you type in the limits and deductibles as shown on your current policy. Doing this guarantees you will get a price comparison for the exact same coverage.
The companies in the list below are ready to provide price comparisons in Pennsylvania. If you want to find cheap car insurance in Pittsburgh, PA, it’s highly recommended you visit two to three different companies in order to get a fair rate comparison.
Car insurance statistics and figures
The coverage information shown next showcases different insurance coverage prices for Mercedes-Benz C350 models. Being more informed about how insurance rates are formulated can assist in making smart choices when comparing insurance rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|C350 W 4-Dr Sedan||$260||$468||$330||$20||$98||$1,176||$98|
|Get Your Own Custom Quote Go|
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in garaging location in Pittsburgh which can change rates noticeably.
The diagram below shows how choosing a deductible and can increase or decrease Mercedes-Benz C350 annual premium costs for different categories of driver ages. The premium estimates are based on a single female driver, full coverage, and no additional discounts are factored in.
Accidents and violations increase rates
The example below illustrates how violations and accidents can affect Mercedes-Benz C350 insurance premiums for different categories of driver ages. The rate quotes are based on a single male driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
Full coverage or liability only
The information below compares Mercedes-Benz C350 premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Pennsylvania. The premiums are based on no accidents or driving violations, $1,000 deductibles, single status, and no additional discounts are factored in.
Should you be buying full coverage?
There is no written rule for eliminating full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of any settlement you would receive from your insurance company, then it could be time to drop full coverage.
For example, let’s say your Mercedes-Benz C350 book value is $7,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most your company will settle for is $6,000 after you pay the deductible. If it’s costing you more than $600 a year to have full coverage, then it’s probably a good time to buy liability coverage only.
There are a few cases where only buying liability is not recommended. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should not opt for liability only.
Why you need to buy car insurance
Despite the high cost, car insurance is required in Pennsylvania but it also protects you in many ways.
First, the majority of states have minimum mandated liability insurance limits which means you are required to buy specific limits of liability coverage if you don’t want to risk a ticket. In Pennsylvania these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
Second, if you bought your vehicle with a loan, it’s most likely the lender will make it a condition of the loan that you have comprehensive coverage to guarantee loan repayment. If you default on your policy, the bank may buy a policy for your Mercedes-Benz at a more expensive rate and force you to reimburse them for the expensive policy.
Third, car insurance protects both your assets and your Mercedes-Benz. It will also reimburse you for many types of medical costs for you, your passengers, and anyone else injured in an accident. One policy coverage, liability insurance, will also pay to defend you if you are named as a defendant in an auto accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive and/or collision insurance will pay to restore your vehicle to like-new condition.
The benefits of carrying adequate insurance more than cancel out the cost, especially when you need to use it. The average driver in America overpays more than $800 each year so you should quote and compare rates each time the policy renews to ensure rates are competitive.
The Mercedes-Benz C350 Insurance Rate Equation
Lots of factors are used in the calculation when you get a price on insurance. Some are obvious such as traffic violations, but some are more obscure like your continuous coverage or how financially stable you are.
The list below includes some of the things used by insurance companies to determine your rates.
Is your car built for speed? – The make and model of the vehicle you are buying insurance for makes a significant difference in the rate you pay. The lowest performance passenger cars usually have the lowest premiums, but that’s not the only thing that factors into the final price.
The chart below uses these assumptions: single male driver age 30, full coverage with $1000 deductibles, and no discounts or violations. The chart compares Mercedes-Benz C350 policy rates compared to other models that have a range of performances.
- Do you have enough liability insurance? – Your car insurance policy’s liability coverage is the protection when a jury decides you are liable for an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
- You may save more by combining policies – Many car insurance companies apply better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even with this discount, drivers will still want to compare other company rates to confirm you are receiving the best rates possible. Consumers may find a better deal even if you insure with multiple companies
- Small coverages can add up – Policies have add-on coverages you can purchase on your car insurance policy. Insurance for replacement cost coverage, death and dismemberment, and motor club memberships are some examples. These coverages may sound good when discussing your needs, but if you’ve never needed them in the past think about removing them and cutting costs.
- More traffic equals higher rates – Choosing to live in a small town has it’s advantages when it comes to car insurance. Drivers in populated areas have to deal with more auto accidents and higher rates of accident claims. Fewer drivers means less chance of accidents.
- Fewer miles means better premiums – The more you drive annually the more it will cost to insure it. Most insurance companies calculate prices partially by how you use the vehicle. Vehicles that have low annual miles get more affordable rates than vehicles that have high annual mileage. An incorrectly rated C350 may be wasting your money. It’s a good idea to make sure your declarations sheet shows the proper vehicle usage.
- Do you really need to file those claims? – Insurance companies in Pennsylvania give cheaper rates to drivers who do not file claims often. If you tend to file frequent claims, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is designed for claims that you cannot pay yourself.
- Higher car insurance rates for car insurance policy lapses – Not maintaining insurance is not a good idea and your next policy will cost more because you let your insurance expire. Not only will you pay higher rates, getting caught without coverage could earn you a revoked license or a big fine. You may then have to submit proof of financial responsibility or a SR-22 with the Pennsylvania motor vehicle department to get your license reinstated.
When in doubt talk to an agent
Always remember that when buying insurance from an agent or online, there really is no one-size-fits-all type of policy. Coverage needs to be tailored to your specific needs so this has to be addressed.
These are some specific questions may help highlight if you may require specific advice.
- Does coverage follow the driver or the vehicle?
- What is covered by UM/UIM coverage?
- Can I cancel at any time?
- How do I buy GAP insurance?
- When does my teenage driver need to be added to my policy?
- Do I pay less if my vehicle is kept in my garage?
- Is extra glass coverage worth it?
- I have good health insurance, so how much medical payments coverage do I need?
- If my Mercedes-Benz C350 is totaled, can I afford another vehicle?
- Do I need rental car coverage?
If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and you can get the answers you need.
Best car insurance company in Pittsburgh
Buying coverage from the highest-rated insurer is difficult considering how many different companies insure vehicles in Pennsylvania. The information shown next may help you select which providers to look at when comparing rate quotes.
Top 10 Pittsburgh Car Insurance Companies by A.M. Best Rank
- USAA – A++
- GEICO – A++
- Travelers – A++
- State Farm – A++
- Allstate – A+
- Nationwide – A+
- Esurance – A+
- Erie Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Pittsburgh Car Insurance Companies Overall
- The General
- Titan Insurance
- The Hartford
- State Farm
- Farmers Insurance
- Erie Insurance
- Safeco Insurance
Be persistent to save money
When searching for affordable Mercedes-Benz C350 insurance quotes, it’s a bad idea to sacrifice coverage to reduce premiums. In many instances, consumers will sacrifice liability coverage limits only to regret that they should have had better coverage. The goal is to get the best coverage possible at the lowest possible cost, but do not sacrifice coverage to save money.
Budget-conscious Mercedes-Benz C350 insurance is available online in addition to local insurance agencies, and you should be comparing both to have the best selection. Some companies may not have online rate quotes and most of the time these smaller companies work with independent insurance agencies.
How to buy lower priced Mercedes-Benz C350 insurance in Pittsburgh
The easiest way to quote cheaper Mercedes-Benz C350 insurance in Pittsburgh is to start comparing rates regularly from different companies in Pennsylvania. You can compare prices by completing these steps.
- Try to comprehend what coverages are included in your policy and the modifications you can make to prevent expensive coverage. Many things that result in higher rates such as tickets, at-fault accidents, and an unfavorable credit rating can be remedied by making minor changes to your lifestyle.
- Get rate quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive and State Farm, while independent agents can give you price quotes from multiple insurance companies.
- Compare the new rate quotes to the premium of your current policy and determine if cheaper C350 coverage is available in Pittsburgh. If you find a lower rate and decide to switch, make sure there is no lapse in coverage.
A good tip to remember is to make sure you enter similar limits and deductibles on each quote and and to get rate quotes from as many companies as possible. This ensures a level playing field and a complete price analysis.
To read more, take a look at the articles below:
- Collision Coverage (Liberty Mutual)
- Who Has Cheap Car Insurance Rates for College Students in Pittsburgh? (FAQ)
- Who Has the Cheapest Car Insurance for Active Military in Pittsburgh? (FAQ)
- Who Has Cheap Auto Insurance for Retired Military in Pittsburgh? (FAQ)
- Uninsured Motorists: Threats on the Road (Insurance Information Institute)
- Anti-Lock Brake FAQ (iihs.org)
- Warning systems don’t curb driver distraction (Insurance Institute for Highway Safety)