8 Ways You Can Find Coverage for a Mercedes-Benz C350 Cheaper in Las Vegas

Trying to find cheaper insurance for a new or used Mercedes-Benz C350 in Nevada can be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to compare car insurance rates and you need to know the absolute fastest way to quote coverages for your Mercedes-Benz and locate the lowest price from Las Vegas insurance agents and online providers.

You should make it a habit to get comparison quotes before your policy renews since insurance rates go up and down regularly. Despite the fact that you may have had the best price for C350 insurance a few years ago other companies may now be cheaper. Starting right now, ignore everything you know about car insurance because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

Discounts are great for lower rates

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. Some trigger automatically at quote time, but a few need to be specially asked for before being credited. If they aren’t giving you every credit available, you’re just leaving money on the table.

Accident Free – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
Paperwork-free – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.
Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for C350 insurance than their less cautious counterparts.
Drivers Ed for Students – Have your child complete a driver education course if offered at their school.
Payment Discounts – If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
Federal Employees – Active or retired federal employment may qualify you for a discount for C350 insurance depending on your company.
Auto/Home Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comprehensive or collision. So when it seems like you can get free auto insurance, it just doesn’t work that way. Any amount of discount will help reduce the cost of coverage.

To choose insurers who offer car insurance discounts in Nevada, click this link.

Online quotes with a local Las Vegas insurance agent

Certain consumers prefer to buy from a local agent and there is nothing wrong with that. Agents can point out coverage gaps and help submit paperwork. One of the great benefits of comparing insurance prices online is the fact that you can find lower rates and still have an agent to talk to. And supporting local insurance agencies is important particularly in Las Vegas.

Once you complete this form (opens in new window), the quote information is submitted to companies in Las Vegas who will return price quotes to get your business. You won’t need to drive around due to the fact that quote results will go to your email.

Different types of insurance agents in Las Vegas

When looking for an insurance agent, you must know there are a couple different types of agents that you can select. Insurance agencies in Las Vegas are either independent or captive. While both can insure your vehicles, but it’s important to know how they are different because it can impact the type of agent you choose

Independent Insurance Agents

Independent agencies do not work for one specific company so they have the ability to put coverage with multiple insurance companies and potentially find a lower price. To move your coverage to a new company, the business is moved internally and you don’t have to find a new agent. When searching for an agent, it’s a good idea to include at a minimum one independent agency to have the most options to choose from.Many can place coverage with different regional companies which can save you money.

Agency Captives

This type of agents are contracted to one company like AAA, Allstate, State Farm, Farmers Insurance or Liberty Mutual. They usually cannot compare other company’s rates so it’s a take it or leave it situation. Captive agents are trained well on their company’s products which helps them compete with independent agents. Consumers often buy insurance from these agents primarily because of loyalty to the company and strong financial ratings. Las Vegas insurance banner

Deciding on an insurance agency should depend on more than just the premium amount. Some important questions to ask are:

Does the company allow you to choose your own collision repair facility?
Can they provide you with a list of referrals?
How long has their agency been open in Las Vegas?
Are you getting all the discounts the company offers?
Do they assist clients in filing claims?
Do they review policy coverages at every renewal?
Is their price quote a firm figure or are their hidden costs?

After receiving satisfactory answers to your questions as well as a affordable price, you have narrowed it down to an insurance agency that is a good match to properly service your car insurance policy. But remember, consumers can cancel your coverage any time you want so don’t assume you’re contractually obligated to any particular company for any length of time.

Learn more about Nevada car insurance

Additional information is available on the Nevada Division of Insurance website located here. Consumers can find a variety of consumer forms, report car insurance fraud, read state legal mandates and laws, and file complaints about a company.

The following articles may also be useful.

Coverages available on your car insurance policy

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for collisions

This covers damage to your C350 resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, crashing into a ditch, crashing into a building and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” 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.

Since many Nevada drivers only purchase the least amount of liability that is required (15/30/10 in Nevada), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Liability insurance

This can cover damage that occurs to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like attorney fees, repair costs for stationary objects, legal defense fees, emergency aid and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying more liability than the minimum.

Insurance for medical payments

Med pay and PIP coverage pay for bills such as surgery, hospital visits, EMT expenses, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, a broken windshield, hitting a deer and damage from getting keyed. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Final considerations

Insureds change insurance companies for a variety of reasons including policy non-renewal, not issuing a premium refund, unfair underwriting practices or even delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be less work than you think.

Cheaper Mercedes-Benz C350 insurance can be sourced from both online companies and with local Las Vegas insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer online quoting and these small insurance companies work with independent agents.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where drivers have reduced uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your focus should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.