Insurance for Mercedes-Benz E350Having to pay for high-priced car insurance in Columbia can stress out your family's budget and force you to prioritize other expenses. Shopping your coverage around can help to cut your insurance bill.

It's hard to fathom, but about 70% of customers have been with the same company for at least four years, and just short of a majority have never even compared rates from other companies. Many consumers in South Carolina can save approximately $749 each year by just shopping around, but most just don't grasp how much money they would save if they switched to a more affordable policy. There are many insurers to pick from, and even though it's nice to have a choice, more options can take longer to find the best rates for Mercedes-Benz E350 insurance in Columbia.

Cheap Mercedes-Benz insurance rates in Columbia

The companies shown below are our best choices to provide free quotes in South Carolina. If multiple companies are listed, we recommend you click on several of them to get the most affordable price.

Mercedes-Benz E350 Insurance Rates in Columbia, SC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $324 $876 $350 $20 $106 $1,676 $140
E350 4-Dr Sedan $228 $456 $212 $12 $64 $972 $81
E350 with 4-MATIC 4-Dr Sedan $286 $622 $292 $18 $88 $1,306 $109
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and South Carolina minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Prices do not factor in specific location information which can revise premium rates greatly.

Can higher deductibles save money?

One frequently asked question is the level to set your comp and collision deductibles. The figures shown below can help you visualize the rate difference of buying low and high insurance deductibles. The first set of prices uses a $250 physical damage deductible and the second rate table uses a $500 deductible.

Mercedes-Benz E350 insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $332 $762 $290 $18 $86 $1,513 $126
E350 4-Dr Sedan $366 $682 $226 $14 $68 $1,381 $115
E350 with 4-MATIC 4-Dr Sedan $366 $682 $226 $14 $68 $1,381 $115
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Mercedes-Benz E350 insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $270 $614 $290 $18 $86 $1,278 $107
E350 4-Dr Sedan $298 $550 $226 $14 $68 $1,156 $96
E350 with 4-MATIC 4-Dr Sedan $298 $550 $226 $14 $68 $1,156 $96
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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and South Carolina minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Estimates do not factor in zip code location which can revise rates greatly.

Based on this data, using a $250 deductible would cost the average driver about $19 more each month or $228 a year than requesting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you tend to go more than 13 months between claim filings, you would more than likely save some money if you choose a higher deductible.

How to determine when to raise your deductibles

Average monthly premium for $250 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $100
Monthly savings from raising deductible: $19
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $19
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 13 months

An important sidenote is that a higher deductible means you will have to pay more of your own money when you have a physical damage claim. That will force you to have some available funds in the event you need to pay more to get your vehicle repaired.

Driving violations and accidents

The example below highlights how speeding tickets and accidents can drive up Mercedes-Benz E350 car insurance costs for different age groups. The prices are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no other discounts are factored in.

You may qualify for discounts for Mercedes-Benz E350 insurance in Columbia

Properly insuring your vehicles can get expensive, but there may be some discounts to help offset the cost. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be inquired about prior to receiving the credit. If you're not getting every credit you deserve, you are throwing money away.Cheaper insurance with discounts

As is typical with insurance, some credits don't apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like it's possible to get free car insurance, it just doesn't work that way.

Popular insurance companies and a summarized list of policyholder discounts are shown below.

Before you buy a policy, ask all companies you are considering how you can save money. Some credits may not apply to policyholders in your area. To view companies who offer insurance discounts in South Carolina, follow this link.

What Determines Mercedes-Benz E350 Insurance Prices?

Lots of things are considered when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are less apparent like your vehicle usage or your commute time. It's important that you understand some of the elements that aid in calculating the rates you pay for car insurance. When consumers understand what impacts premium levels, this helps enable you to make changes that could help you find better car insurance rates.

Compare prices but work with a local Columbia insurance agency

Some people would prefer to get advice from a local agent and that is a smart decision Agents are trained risk managers and help file insurance claims. One of the great benefits of getting free rate quotes online is the fact that you can find lower rates but also keep your business local.

Find insurance agent in ColumbiaTo help locate an agent, after submitting this quick form, your information is instantly submitted to local insurance agents in Columbia that provide free Columbia auto insurance quotes and help you find cheaper coverage. You never need to even leave your home because quoted prices will be sent to you instantly. If you have a need to compare prices from one company in particular, you can always navigate to their website and give them your coverage information.

Choosing the best insurance company should include more criteria than just the price. These are valid questions to ask:

Different types of car insurance agents in Columbia

When looking for a reputable insurance agent or broker, you need to know there are two types of agencies and how they operate. Agencies in Columbia are considered either independent or exclusive depending on the company they work for. Either one can sell and service car insurance coverage, but it's good to learn how they are different since it can impact the type of agent you choose.

Exclusive Agencies

Agents of this type can only provide one company's prices like AAA, Allstate, and State Farm. Exclusive agents cannot compare other company's rates so it's a take it or leave it situation. Exclusive agents are well schooled on what they offer and that can be a competitive advantage.

The following are Columbia exclusive agencies that can give you price quote information.

Charles Piercy - State Farm Insurance Agent
7626 US-1 - Columbia, SC 29223 - (803) 788-1200 - View Map

Bill Weathersbee - State Farm Insurance Agent
9440 Two Notch Rd - Columbia, SC 29223 - (803) 788-7981 - View Map

2100 Gervais St a - Columbia, SC 29204 - (803) 799-1998 - View Map

More Columbia agents

Independent Car Insurance Agents

Agents that elect to be independent can sell policies from many different companies and that allows them to write policies amongst many companies and get you the best rates possible. To transfer your coverage to a different company, the agent simply finds a different carrier without you having to go to a different agency.

If you are comparing rate quotes, we recommend you include a few independent agents to have the most options to choose from.

Below are independent insurance agents in Columbia willing to provide price quotes.

6168 St Andrews Rd - Columbia, SC 29212 - (803) 798-4499 - View Map

952 Sunset Blvd - West Columbia, SC 29169 - (803) 794-0411 - View Map

9300 Two Notch Rd - Columbia, SC 29223 - (803) 400-1911 - View Map

More Columbia agents

After you get positive feedback and locked in a price quote, you've probably found an auto insurance agent that is reputable and can properly insure your vehicles.

Is there deception in advertising?

Consumers in South Carolina can't avoid all the ads that claim the lowest prices by companies like 21st Century, Allstate and State Farm. All the ads try to convey promises that you can save if you get a free Columbia auto insurance quote and switch your auto insurance policy to them.

How does every company charge lower premium rates? Just pay attention to how they say it.

All companies can use profiling for the type of customer that earns them a profit. One example of a driver they prefer may need to be a mature driver, carries full coverage, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get low prices and have a good chance to save when they switch companies.

People who do not match this ideal profile will be quoted a more expensive rate and ends up with the customer not purchasing. The trick is to say "drivers who switch" but not "everyone who gets a quote" save that much. That's why companies can make claims that they all have the best car insurance rates. Because each company has a different risk profile, you really should get a wide range of price quotes. It's impossible to know which auto insurance company will fit your personal profile best.

The lowest rates come from being thorough

Cost effective Mercedes-Benz E350 insurance can be sourced both online and also from your neighborhood Columbia agents, so you need to shop Columbia auto insurance with both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and these smaller providers work with local independent agencies.

When buying insurance coverage, never buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits only to find out they didn't have enough coverage. Your goal should be to buy the best coverage you can find at the best cost, but do not sacrifice coverage to save money.

You just read quite a bit of information on how to find affordable Mercedes-Benz E350 insurance in Columbia. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the best price on car insurance is with a lesser-known regional company. These smaller insurers often have lower rates on specific markets than their larger competitors like State Farm and Allstate.

Much more information about car insurance in South Carolina can be found at the links below