Did you come to the realization that you have an expensive insurance policy? Trust us when we tell you there are many people just like you.

Insurance quote for Mercedes-Benz C350 in ColumbiaIt's shocking but most insurance policyholders kept buying from the same company for at least four years, and just under half have never compared rate quotes at all. South Carolina consumers could cut their rates by about 55% a year just by comparing rates, but most undervalue how much savings they would realize if they bought a different policy.

With drivers having so many companies to choose from that have affordable insurance for a Mercedes-Benz C350 in Columbia, it is very difficult to locate a lower cost insurance company.

Consumers need to compare rates at least once a year because insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest rates on Mercedes-Benz C350 insurance in Columbia a year ago you can probably find a better rate quote now. Block out anything you think you know about insurance because we're going to show you how to use online quotes to find lower rates on insurance.

Locating the best rates in Columbia is quite easy if you know the best way to do it. If you have a current car insurance policy, you will surely be able to reduce the price you pay using the ideas you're about to read. Nevertheless, South Carolina drivers need to have an understanding of the way insurance companies set your policy premium and use it to find better rates.

Discounts for lower-cost insurance rates

Some companies don't always advertise their entire list of discounts very well, so the following list contains a few of the more common as well as the least known ways to save on insurance.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. A few only apply to individual premiums such as comp or med pay. Even though the math looks like you would end up receiving a 100% discount, nobody gets a free ride.

The best insurance companies and some of their more popular discounts are shown below.

If you are trying to find cheaper Columbia car insurance quotes, ask every insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policies in Columbia. To choose insurance companies with discount rates in Columbia, follow this link.

Just remember that obtaining a wide range of quotes increases your odds of finding the best rates. Some companies don't provide price estimates online, so you also need to get quotes from them as well.

The following companies are our best choices to provide quotes in South Carolina. If more than one company is shown, it's highly recommended you visit as many as you can to get the cheapest price.

Mercedes-Benz C350 Insurance Cost Estimates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $410 $884 $460 $28 $138 $1,920 $160
Get Your Own Custom Quote Go

Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and South Carolina minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Table data does not factor in vehicle garaging location which can revise premium rates significantly.

Rate comparison for different deductibles

The diagram below shows how choosing a deductible and can impact Mercedes-Benz C350 insurance premiums for different insured age categories. The premiums assume a single male driver, comprehensive and collision coverage, and no discounts are factored in.

Comparison of policy deductibles

One of the more difficult decisions when buying auto insurance is the level to set your comp and collision deductibles. The tables below sum up the differences in premium rates when you buy lower versus higher coverage deductibles. The first rate estimation uses a $250 physical damage deductible and the second pricing table uses a $1,000 deductible.

Mercedes-Benz C350 insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $332 $602 $342 $20 $102 $1,423 $119
Get Your Own Custom Quote Go
Mercedes-Benz C350 insurance prices with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $204 $380 $342 $20 $102 $1,048 $87
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rate information does not factor in Columbia location which can impact coverage rates substantially.

Based on the figures above, using a $250 deductible will cost in the ballpark of $32 more each month or $384 for a full year than selecting the higher $1,000 deductible. Since you would pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go at a minimum 23 months between claim filings, you would probably save some money if you opt for a higher deductible.

How to calculate if a higher deductible is a good decision

Average monthly premium for $250 deductibles: $119
Average monthly premium for $1,000 deductibles (subtract): - $87
Monthly savings from raising deductible: $32
Difference between deductibles ($1,000 - $250): $750
Divide difference by monthly savings: $750 / $32
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

Male drivers versus female drivers

The diagram below compares Mercedes-Benz C350 annual premium costs for male and female drivers. The prices are based on no accidents, no driving violations, comprehensive and collision coverage, $1,000 deductibles, single marital status, and no additional discounts are factored in.

How Your C350 Insurance Costs are Determined

Many things are considered when you get a price on insurance. Some of the criteria are obvious like a motor vehicle report, although others are not quite as obvious like where you live or how safe your car is. The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that help calculate your policy premiums. If you have some idea of what impacts premium levels, this empowers consumers to make smart changes that could help you find lower auto insurance prices.

Different people need different auto insurance coverages

When it comes to choosing coverage online or from an agent for your personal vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that can help discover if you could use an agent's help.

If it's difficult to answer those questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of auto insurance companies in your area.

Compare rates but work with a local Columbia insurance agent

Many people would rather get advice from a local agent and that is not a bad decision A nice benefit of price shopping on the web is that drivers can save money and get the lowest rates and also buy local.

Insurance agency in ColumbiaAfter filling out this form (opens in new window), the quote information gets sent to companies in Columbia that give free quotes for your auto insurance coverage. There is no need to visit any agencies since rate quotes are delivered to your email. You can find better rates without having to waste a lot of time. If you need to quote rates from a specific insurance company, don't hesitate to navigate to their website and fill out the quote form the provide.

Finding the right company should include more criteria than just the premium amount. These are some questions you should get answers to.

What types of car insurance agents are in Columbia?

If you prefer to buy auto insurance from local Columbia agents, there are two types of agencies and how they operate. Columbia agents may be either exclusive or independent.

Exclusive Agencies

Agents that elect to be exclusive can only place business with one company and examples are Farmers Insurance, American Family, State Farm and Allstate. Exclusive agencies are unable to compare other company's rates so they have no alternatives for high prices. Exclusive agencies receive extensive training on sales techniques which aids in selling service over price.

Shown below is a list of exclusive agencies in Columbia who can help you get rate quotes.

10014 Two Notch Rd d - Columbia, SC 29223 - (803) 865-0047 - View Map

4015 Forest Dr #104 - Columbia, SC 29204 - (803) 782-6400 - View Map

384 St Andrews Rd - Columbia, SC 29210 - (803) 391-3777 - View Map

More insurance agents

Independent Auto Insurance Agencies

Independent insurance agents do not work for one specific company so they have the ability to put coverage through many companies and possibly get better coverage at lower prices. To transfer your coverage to a different company, your agent can just switch to a different company and you stay with the same agent.

When comparison shopping, we highly recommend that you get several quotes from a couple of independent agencies to maximize your price options.

Below is a list of independent insurance agents in Columbia willing to provide rate quotes.

776 St Andrews Rd - Columbia, SC 29210 - (803) 772-6969 - View Map

2442 Devine St - Columbia, SC 29205 - (803) 728-3318 - View Map

10248 Two Notch Rd - Columbia, SC 29229 - (803) 736-6161 - View Map

More insurance agents

After getting good answers to your questions as well as affordable Mercedes-Benz C350 insurance rates in Columbia quotes, you may have just found an auto insurance agent that is reliable enough to properly service your auto insurance policy.

Why you need quality insurance for your vehicle

Despite the high cost of buying insurance for a Mercedes-Benz C350 in Columbia, insurance may not be optional for several reasons.

The benefits of insuring your car more than cancel out the cost, especially if you ever need it. But the average American driver overpays as much as $865 each year so it's very important to do a rate comparison at every policy renewal to ensure rates are competitive.

Final considerations

We covered many tips how you can lower your Mercedes-Benz C350 insurance prices in Columbia. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the lowest prices are with a lesser-known regional company. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

When searching for affordable Columbia car insurance quotes, make sure you don't buy poor coverage just to save money. There have been many situations where an insured dropped liability limits or collision coverage only to find out that they should have had better coverage. Your aim should be to get the best coverage possible at the best price and still be able to protect your assets.

Cheap Mercedes-Benz C350 insurance in Columbia can be sourced on the web and also from your neighborhood Columbia agents, and you should compare price quotes from both to get a complete price analysis. Some insurance companies may not have price quotes online and these regional insurance providers sell through independent agents.

To learn more, feel free to visit the articles below: