Save Money on Mercedes-Benz C350 Insurance in Jersey City

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Discount Mercedes-Benz C350 insuranceThe easiest way to find discount auto insurance rates is to do an annual price comparison from companies who sell insurance in Jersey City.

  1. Take a few minutes and learn about how companies price auto insurance and the measures you can take to keep rates in check. Many rating factors that are responsible for high rates such as at-fault accidents and a substandard credit score can be rectified by making small lifestyle or driving habit changes. Keep reading for additional ideas to prevent expensive rate increases and find additional discounts.
  2. Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from one company like GEICO or State Farm, while agents who are independent can quote rates from multiple companies. Get quotes now
  3. Compare the quotes to your existing rates and determine if there is any savings. If you find a lower rate and decide to switch, ensure coverage does not lapse between policies.
  4. Provide notification to your current company to cancel your current car insurance policy. Submit the required down payment along with the signed application to the new insurer. Once coverage is bound, place the new proof of insurance paperwork in your vehicle.

The most important part of shopping around is to try to use the same liability limits and deductibles on each quote and to quote with every insurance company. This helps ensure an accurate price comparison and plenty of rates choose from.

It's an obvious statement that insurance companies don't want their policyholders to compare prices. People who do rate comparisons will presumably switch companies because of the good chance of finding coverage at a more affordable price. A recent survey found that consumers who routinely compared rates saved as much as $860 a year as compared to drivers who don't make a habit of comparing rates.

If finding budget-friendly rates on Mercedes-Benz C350 insurance in Jersey City is your ultimate target, then learning about how to find companies and compare cheaper coverage can help make the process easier.

The easiest way to compare car insurance company rates for Mercedes-Benz C350 insurance in Jersey City is to realize most larger insurance companies participate in a system to compare their rates. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if you have an active license, if you lease or own, your occupation, and which vehicles you own. That rating data is instantly sent to multiple top-rated companies and you receive quotes instantly to find the best rate.

If you would like to compare rates now, click here then complete the form.

The providers in the list below are ready to provide price comparisons in New Jersey. If your goal is to find the cheapest car insurance in NJ, we recommend you visit two to three different companies to get the best price comparison.

Coverage statistics and figures

The rate information displayed next outlines detailed analysis of insurance rates for Mercedes-Benz C350 models. Having knowledge of how auto insurance premiums are formulated can be of help when making smart choices when selecting a policy.

Mercedes-Benz C350 Insurance Rates in Jersey City, NJ
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $518 $1044 $648 $38 $194 $2,442 $204
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and New Jersey minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Price information does not factor in zip code location which can raise or lower coverage prices considerably.

Deductible comparison

One of the most common insurance questions is what deductibles to buy. The rates below may help to conceptualize the rate differences when you choose different policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second price chart uses a $500 deductible.

Mercedes-Benz C350 insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $466 $848 $480 $28 $144 $1,991 $166
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Mercedes-Benz C350 insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
C350 W 4-Dr Sedan $380 $684 $480 $28 $144 $1,716 $143
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and New Jersey minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Prices do not factor in specific location information which can affect auto insurance rates substantially.

We can estimate from the data above that using a $250 deductible costs approximately $23 more each month or $276 every year averaged for all C350 models than selecting the higher $500 deductible. Because you would 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 11 months between claim filings, you would save more money if you opt for a higher deductible. The numbers below show the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $166
Average monthly premium for $500 deductibles (subtract): - $143
Monthly savings from raising deductible: $23
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 11 months

One big caveat is that a higher deductible means you will have to pay more out-of-pocket at claim time. You need to have some extra funds in order to pay more to get your vehicle repaired.

Violations and accidents raise rates

The example below illustrates how violations and at-fault accidents increase Mercedes-Benz C350 yearly insurance costs for different insured age categories. The premium estimates are based on a married female driver, full coverage, $100 deductibles, and no policy discounts are applied.

Annual premiums for males versus females in Jersey City

The example below visualizes the comparison of Mercedes-Benz C350 car insurance rates for male and female drivers. The prices are based on no claims, a clean driving record, full coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Do you qualify for discounts on Mercedes-Benz C350 insurance in Jersey City?

The price of auto insurance can be rather high, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be requested specifically in order for you to get them.Car insurance discounts

  • Multi-Vehicle Discounts - Buying a policy with multiple cars on the same car insurance policy qualifies for this discount.
  • Safety Course Discount - Successfully completing a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Telematics Devices - People who choose to allow companies to look at driving manner by using a small device installed in their vehicle such as Allstate's Drivewise and State Farm's In-Drive system could see a rate decrease as long as the data is positive.
  • Anti-theft System - Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and will save you 10% or more on C350 insurance in Jersey City.
  • Multi-line Discount - Insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
  • Discount for Multiple Policies - If you can combine your homeowners and auto policy and place coverage with the same company you could save at least 10% off all policies.
  • No Claim Discounts - Jersey City drivers who stay claim-free get the best car insurance rates when compared to drivers with a long claim history.

Consumers should know that some credits don't apply to all coverage premiums. A few only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, nobody gets a free ride.

The diagram below shows the difference between Mercedes-Benz C350 insurance costs with and without discounts. The data is based on a female driver, no driving violations, no at-fault accidents, New Jersey state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, homeowner, safe-driver, and multi-policy discounts applied.

Popular car insurance companies and a selection of discounts are detailed below.

  • Progressive policyholders can earn discounts including online signing, good student, continuous coverage, multi-vehicle, online quote discount, homeowner, and multi-policy.
  • SAFECO offers discounts for teen safe driver, teen safety rewards, anti-lock brakes, accident prevention training, and homeowner.
  • American Family includes discounts for bundled insurance, multi-vehicle, accident-free, air bags, and early bird.
  • MetLife may include discounts for multi-policy, claim-free, accident-free, defensive driver, good driver, and good student.
  • GEICO offers discounts including defensive driver, military active duty, federal employee, air bags, driver training, anti-theft, and daytime running lights.
  • The Hartford has discounts for air bag, anti-theft, good student, driver training, bundle, and vehicle fuel type.

It's a good idea to ask every company which credits you are entitled to. Some credits may not be offered in Jersey City.

Here's why auto insurance is not optional

Even though it can be expensive, insurance is most likely required but also gives you several important benefits.

  • Just about all states have minimum mandated liability insurance limits which means the state requires specific limits of liability in order to drive the car legally. In New Jersey 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.
  • If you have a loan on your Mercedes-Benz C350, most banks will require that you carry insurance to protect their interest in the vehicle. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Mercedes-Benz at a more expensive rate and require you to pay the higher price.
  • Insurance protects both your vehicle and your assets. It also can pay for medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance will also pay attorney fees if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of having auto insurance are without a doubt worth the cost, particularly when you have a large claim. According to a 2015 survey, the average American driver is overpaying more than $810 a year so smart consumers compare quotes every year to save money.

Local agents and auto insurance

Many drivers would prefer to buy from a local agent and that is just fine! Insurance agents are highly skilled in risk management and help you file claims. A nice benefit of getting free rate quotes online is the fact that drivers can get better rates but also keep your business local.

Once you complete this short form, your insurance data is sent to participating agents in Jersey City who want to provide quotes for your auto insurance coverage. There is no need to search for an agent because prices are sent to you instantly. In the event you want to compare rates from one company in particular, you can always visit that company's website and complete a quote there.

Choosing an provider requires more thought than just the bottom line cost. Any good agent in Jersey City should know the answers to these questions.

  • How many companies do they write for?
  • Are there any discounts for paying up front?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • How is replacement cost determined on your vehicle?
  • Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
  • Is auto insurance their primary focus in Jersey City?
  • Does the agent have a valid license to sell insurance in New Jersey?
  • Where would your vehicle be repaired?

If you are wanting to find a good insurance agency, you must know there are a couple different agency structures that you can choose from. Agencies in Jersey City are either exclusive or independent (non-exclusive). Either can insure your vehicles properly, but it's important to know the differences because it can influence which type of agent you select.

Exclusive Insurance Agencies

These agents write business for a single company such as State Farm, Allstate and AAA. These agents are unable to compare other company's rates so you might not find the best rates. They are usually quite knowledgeable on their company's products which aids in selling service over price. A lot of people buy from exclusive agents primarily because of high brand loyalty and the convenience of having all coverages with one company.

Below is a short list of exclusive insurance agencies in Jersey City that are able to give price quotes.

View more Jersey City agents

Independent Insurance Agents

Agents of this type are not required to write business for one company so they can insure your vehicles with many different companies and find the cheapest rate. If your agent finds better pricing, they can switch companies in-house which requires no work on your part. When comparing auto insurance prices, it's a good idea to check rates from several independent agencies to get the most accurate price comparison. Many independent agencies also insure through small mutual carriers that many times have cheaper rates.

Listed below are independent agencies in Jersey City that can give you rate quotes.

  • ABL Insurance Services
    910 Bergen Ave # 307 - Jersey City, NJ 07306 - (201) 222-1314 - View Map
  • Sam's Insurance and Travel
    3396 John F. Kennedy Blvd - Jersey City, NJ 07307 - (201) 659-6800 - View Map
  • Diaz Insurance Agency
    815 Bergenline Ave - Union City, NJ 07087 - (201) 348-1288 - View Map

View more Jersey City agents

Learn about auto insurance coverages for a Mercedes-Benz C350

Having a good grasp of your auto insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring.

Collision - This covers damage to your C350 from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a mailbox, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible on your C350 to bring the cost down.

Uninsured or underinsured coverage - Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don't have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mercedes-Benz C350.

Since a lot of drivers have only the minimum liability required by law (which is 15/30/5), their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive protection - Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like damage from a tornado or hurricane, hitting a deer, a broken windshield, rock chips in glass and vandalism. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it's not worth much more than your deductible it's not worth carrying full coverage.

Coverage for liability - Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn't cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 15/30/5 that means you have $15,000 bodily injury coverage, a total of $30,000 of bodily injury coverage per accident, and a total limit of $5,000 for damage to vehicles and property.

Liability coverage protects against things like pain and suffering, medical expenses and structural damage. How much coverage you buy is a decision to put some thought into, but it's cheap coverage so purchase higher limits if possible. New Jersey requires drivers to carry at least 15/30/5 but you should consider buying better liability coverage.

The next chart shows why low liability limits may not be adequate coverage.

Medical expense coverage - Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like ambulance fees, chiropractic care, X-ray expenses, nursing services and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage