If you want to save money, the best way to find more affordable car insurance rates is to make a habit of comparing prices annually from insurance carriers who sell auto insurance in Aurora.
Step 1: Take a little time to learn about what is in your policy and the changes you can make to prevent expensive coverage. Many risk factors that cause rate increases such as multiple speeding tickets and a negative credit score can be improved by improving your driving habits or financial responsibility.
Step 2: Get rate quotes from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while independent agencies can quote prices for a wide range of insurance providers. Click to view companies
Step 3: Compare the new rate quotes to your current policy premium and determine if cheaper C350 coverage is available in Aurora. If you find a lower rate quote and change companies, ensure there is no coverage lapse between policies.
Step 4: Provide notification to your current company of your intent to cancel your current coverage. Submit the signed application along with the required initial payment to the new company. Immediately place your new certificate verifying proof of insurance above your visor, in the console, or in the glove compartment.
One piece of advice is to try to use the same liability limits and deductibles on each price quote and to quote with as many different insurance providers as possible. This ensures a fair rate comparison and a thorough selection of prices.
It’s hard to fathom, but the majority of drivers renewed their policy with the same company for more than four years, and nearly half have never shopped around. Many drivers in Aurora can save hundreds of dollars each year by just comparing quotes, but they don’t believe the rate savings if they moved their coverage to a different company.
Finding and buying more affordable insurance policy in Aurora is not as time-consuming as you think. In a nutshell, every driver who is required by state law to have insurance will most likely be able to lower their premiums. Although Colorado consumers must know how insurance companies price insurance differently and use it to find better rates.
Most major insurance companies provide prices direct online. Comparing prices online for Mercedes-Benz C350 insurance in Aurora can be done by anyone as you simply type in the coverages you want as detailed in the form. Upon sending the form, the company’s rating system collects your driving record and credit report and quotes a price based on many factors.
Being able to quote online for Mercedes-Benz C350 insurance in Aurora makes it easy to compare insurance prices and it is important to compare as many rates as possible in order to get the lowest insurance rates.
To compare rates using this form now, compare quotes from the companies shown below. If you currently have coverage, we recommend you enter coverages and limits identical to your current policy. This way, you are getting an apples-to-apples comparison for similar coverage.
The following companies can provide comparison quotes in Aurora, CO. To get the cheapest auto insurance in Colorado, we recommend you get rates from several of them to find the most affordable car insurance rates.
Rates and other information
The information displayed next covers detailed analysis of insurance coverage prices for Mercedes-Benz C350 models. Being aware of how auto insurance prices are formulated can assist in making decisions when choosing a new policy provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $234 | $480 | $474 | $28 | $142 | $1,358 | $113 |
| Get Your Own Custom Quote Go | |||||||
Prices based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Price estimates do not factor in specific location information which can influence premiums significantly.
An analysis of deductible level
One of the hardest decisions when shopping for car insurance is what deductibles to buy. The comparison tables below highlight the differences in price when you select higher and lower comp and collision deductibles. The first set of prices uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $380 | $740 | $352 | $20 | $106 | $1,623 | $135 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| C350 W 4-Dr Sedan | $278 | $500 | $352 | $20 | $106 | $1,256 | $105 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Prices do not factor in garaging location in Aurora which can impact rates noticeably.
Using the premium rates above, we can conclude that using a $100 deductible costs approximately $30 more each month or $360 for a full year than buying the higher $500 deductible. Since you would have to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you normally average more than 13 months between claim filings, you would probably come out ahead by selecting a higher deductible.
Mercedes-Benz C350 insurance rates: Men versus women
The information below shows the comparison of Mercedes-Benz C350 auto insurance costs for male and female drivers. The premiums assume no violations or claims, full physical damage coverage, $250 deductibles, single status, and no policy discounts are applied.
Cost comparison with and without full coverage
The example below visualizes the comparison of Mercedes-Benz C350 auto insurance rates when comparing full coverage to liability only. The data assumes no claims, a clean driving record, $100 deductibles, drivers are not married, and no other discounts are factored in.
When to stop paying for full coverage
There is no clear-cut formula of when to phase out full coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost minus the deductible, then it may be the right time to buy liability only.
For example, let’s pretend your Mercedes-Benz C350 settlement value is $7,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $6,000 after paying the physical damage deductible. If it’s costing in excess of $600 annually for full coverage, then you may need to consider dropping full coverage.
There are a few cases where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should keep full coverage in place.
Lower rates by qualifying for discounts
Some insurance providers don’t necessarily list all available discounts very well, so the following is a list of a few of the more well known as well as the least known savings tricks you should be using when you buy Aurora auto insurance online.
- Club Memberships – Being a member of qualifying employment or professional organizations could qualify you for a break when shopping for auto insurance.
- Fewer Miles Equal More Savings – Driving less could earn lower auto insurance rates due to less chance of an accident.
- Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class as it can save substantially.
- Full Payment Discount – By making one initial payment instead of monthly or quarterly installments you can avoid the installment charge.
- Theft Deterrent – Vehicles that have factory anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
One last thing about discounts, some of the credits will not apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.
The example below shows the comparison of Mercedes-Benz C350 premium costs with and without discounts applied to the premium. The premiums are based on a female driver, no tickets, no at-fault accidents, Colorado state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, safe-driver, multi-policy, multi-car, homeowner, and claim-free discounts applied.
Popular auto insurance companies and a selection of discounts are outlined below.
- American Family may offer discounts for early bird, mySafetyValet, good driver, TimeAway discount, accident-free, bundled insurance, and multi-vehicle.
- Farm Bureau policyholders can earn discounts including safe driver, driver training, renewal discount, good student, and multi-vehicle.
- State Farm discounts include driver’s education, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, defensive driving training, and good driver.
- Travelers may have discounts that include multi-car, payment discounts, save driver, IntelliDrive, driver training, and early quote.
- The Hartford may include discounts for defensive driver, anti-theft, good student, vehicle fuel type, air bag, and bundle.
- GEICO offers discounts including membership and employees, military active duty, five-year accident-free, seat belt use, daytime running lights, multi-policy, and anti-lock brakes.
- Progressive has discounts for online quote discount, homeowner, multi-policy, continuous coverage, good student, online signing, and multi-vehicle.
Double check with each insurance company which discounts you qualify for. Some discounts might not be offered everywhere. To see auto insurance companies who offer free Mercedes-Benz C350 insurance quotes in Colorado, click here.
Three reasons to insure your C350
Even though it can be expensive, maintaining insurance is required by state law in Colorado and it also provides benefits you may not be aware of.
- Just about all states have minimum mandated liability insurance limits which means you are required to buy specific minimum amounts of liability in order to be legal. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a lien on your vehicle, it’s guaranteed your bank will force you to have physical damage coverage to guarantee loan repayment. If you do not keep the policy in force, the lender may insure your Mercedes-Benz at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance protects not only your Mercedes-Benz C350 but also your financial assets. Insurance will pay for most medical and hospital costs incurred in an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. If you have damage to your Mercedes-Benz as the result of the weather or an accident, comprehensive and/or collision insurance will cover the damage repairs after a deductible is paid.
The benefits of carrying enough insurance greatly outweigh the cost, especially with large liability claims. The average driver in America overpays more than $800 each year so you should quote and compare rates once a year at a minimum to help ensure money is not being wasted.
Are insurance agents used anymore?
Many drivers still prefer to go talk to an agent and that can be a great decision The biggest benefit of comparing car insurance online is that you can obtain lower rates and also buy local. And supporting small agencies is important especially in Aurora.
By using this quick form, your insurance data is sent to companies in Aurora who will return price quotes and help you find cheaper coverage. You won’t need to even leave your home since rate quotes are delivered instantly to you. Get lower rates and a licensed agent to work with. If for some reason you want to quote rates for a specific company, feel free to search and find their rate quote page and fill out the quote form the provide.
When researching a local agent, it helps to know the two types of insurance agents that you can select. Insurance agencies in Aurora are considered either exclusive agents or independent agents.
Independent Agents
Agents that elect to be independent often have many company appointments and that enables them to quote your coverage with a variety of different insurance companies and possibly get better coverage at lower prices. If you are not satisfied with one company, they simply switch companies in-house and you won’t have to switch agencies.
When shopping rates, you absolutely need to compare quotes from several independent insurance agents to have the most options to choose from. They often place coverage with less well-known companies who may have lower rates.
Featured below is a partial list of independent insurance agencies in Aurora that can give you pricing information.
- L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 – View Map - Amercian Affordable Insurance: Arthur Blaszczyszn
10660 E Bethany Dr – Aurora, CO 80014 – (303) 577-9998 – View Map - Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 – View Map
Exclusive Insurance Agents
These agents can only provide one company’s prices such as Farmers Insurance, American Family, State Farm and Allstate. Exclusive agents cannot compare other company’s rates so you need to shop around if the rates are high. Exclusive agents are usually quite knowledgeable on their company’s products which helps them sell on service rather than price. Some people will only buy insurance from these agents mainly due to the brand rather than low price.
Listed below is a short list of exclusive agents in Aurora who can help you get price quotes.
- Allstate Insurance: Bernard Demichelis
15062 E Mississippi Ave – Aurora, CO 80012 – (303) 750-5555 – View Map - Bill Mahaffy III – State Farm Insurance Agent
15281 E Smoky Hill Rd – Aurora, CO 80015 – (720) 886-0400 – View Map - American Family Insurance – Rob Owens
20941 E Smoky Hill Rd Unit G – Aurora, CO 80015 – (303) 693-8877 – View Map
Selecting a insurance agent requires you to look at more than just a low price. These questions are important to ask:
- What kind of financial rating does the company have?
- How long has their agency been open in Aurora?
- Does the agency have a current Errors and Omissions policy?
- Will the company cover a rental car if your car is getting fixed?
- Are they in the agency full-time?
- Are they able to influence company decisions when a claim is filed?
After receiving good answers to any questions you may have and a good coverage price, it’s a good possibility that you have found a car insurance agent that can be relied on to properly insure your vehicles. But remember, you are able to cancel your policy any time you want so don’t feel that you are obligated to a specific agent with no way to switch.