Affordable Insurance for a Mercedes-Benz E350 in Atlanta

Being forced to pay for pricey auto insurance premiums can bottom out your family’s budget and force you to make tough financial choices.

Discount Mercedes-Benz E350 insuranceIt’s astonishing, but the majority of drivers have remained with the same auto insurance company for more than four years, and almost 40% of drivers have never shopped around. The average driver in the United States could save themselves nearly $850 a year, but they won’t spend time to shop around.

Insurance companies such as GEICO and Progressive all claim big savings with fancy advertisements and it is challenging if not impossible to separate fact from fiction and effectively compare rates to find the best deal.

If you are insured now, you will be able to save money using the concepts you’re about to learn. Finding affordable auto insurance coverage in Atlanta is actually quite simple. Although Georgia vehicle owners must understand how the larger insurance companies sell online and use this information to your advantage.

Companies offering Mercedes-Benz E350 insurance in Atlanta

The providers in the list below are ready to provide free rate quotes in Georgia. If multiple companies are listed, it’s highly recommended you compare several of them to get the most affordable price.

Mercedes-Benz E350 Insurance Costs in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
E350 2-Dr Coupe $328 $860 $352 $20 $106 $1,666 $139
E350 4-Dr Sedan $332 $622 $264 $16 $80 $1,314 $110
E350 with 4-MATIC 4-Dr Sedan $534 $938 $340 $20 $102 $1,934 $161
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Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rate quotes do not factor in specific location which can affect premium rates greatly.

Do you need full coverage?

The diagram below shows the comparison of Mercedes-Benz E350 car insurance rates when comparing full coverage to liability only. The prices are based on no accidents or driving violations, $250 deductibles, married female driver, and no discounts are applied to the premium.

When to buy liability coverage only

There is no set rule for excluding physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of any settlement you would receive from your insurance company, then you might consider buying liability only.

For example, let’s assume your Mercedes-Benz E350 settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $5,000 after paying your deductible. If premium cost is more than $500 annually for your policy with full coverage, then you may want to consider only buying liability coverage.

There are some scenarios where dropping physical damage coverage is not in your best interest. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage in place.

Gender-based car insurance premiums in Atlanta

The illustration below shows the comparison of Mercedes-Benz E350 car insurance rates for male and female drivers. Data assumes no tickets, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, single marital status, and no other discounts are factored in.

Why You Might Pay Higher Rates in Atlanta

Consumers need to have an understanding of some of the factors that play a part in calculating your insurance rates. If you have some idea of what controls the rates you pay, this allows you to make educated decisions that could help you find lower rates. Multiple criteria are part of the calculation when quoting car insurance. Some are pretty understandable such as your driving history, but some are more obscure like your continuous coverage or your commute time.

Listed below are some of the major factors companies use to determine prices.

Car insurance policy discounts you can’t miss

Companies don’t list all discounts very well, so below is a list a few of the more common as well as the least known credits that you can use to lower your rates. If they aren’t giving you every credit available, you are not getting the best rate possible.Save money with discounts

Don’t be shocked that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, nobody gets a free ride. But all discounts will definitely lower the amount you have to pay.

Some companies that may have these money-saving discounts are:

When getting a coverage quote, ask all companies you are considering which credits you are entitled to. Savings may not apply to policies in Atlanta. To find car insurance companies offering car insurance discounts in Georgia, click here to view.

Buying insurance from Atlanta insurance agents

Some consumers prefer to buy from a licensed agent and that is OK! An additional benefit of comparing insurance online is you may find lower car insurance rates but also keep your business local. Buying from and supporting small agencies is still important in Atlanta.

Upon completion of this short form, the coverage information is submitted to local insurance agents who will give you quotes to get your business. You don’t have to contact any insurance agencies since rate quotes are delivered directly to you. You can find the lowest rates and work with a local agent. If you need to get a comparison quote from a specific insurance provider, you just need to go to their quote page and fill out their quote form.

If you want a good Atlanta insurance agent, it helps to know the two different types of agencies and how they can quote your rates. Insurance agents can either be independent (non-exclusive) or exclusive.

Independent Agencies or Brokers

Agents of this type often have many company appointments so they have the ability to put coverage with lots of companies and help determine which has the cheapest rates. If premiums increase, your agent can just switch to a different company and you don’t have to switch agencies. If you are comparing rate quotes, you need to get rate quotes from multiple independent agents to get the most accurate price comparison.

Below is a short list of independent agencies in Atlanta who can help you get rate quotes.

216 14th St NW #8Atlanta, GA 30318(470) 355-1973View Map

Cascade Heights Insurance Agency
833 Cascade Ave SW eAtlanta, GA 30311(404) 758-7811View Map

1100 Cir 75 Pkwy SE #140Atlanta, GA 30339(800) 634-2903View Map

View more Atlanta agents

Exclusive Insurance Agencies

Agents that elect to be exclusive can only quote rates from one company and some examples include Farmers Insurance and State Farm. They are unable to compare rates from other companies so keep that in mind. Exclusive agencies are usually well trained on their company’s products and that enables them to sell even at higher rates.

Shown below are Atlanta exclusive agencies who can help you get comparison quotes.

777 Cleveland Ave SW Ste 104Atlanta, GA 30315(404) 761-9556View Map

2859 N Druid Hills Rd aAtlanta, GA 30329(404) 634-2447View Map

Jared Mula – State Farm Insurance Agent
3220 Cobb Pkwy SE #202Atlanta, GA 30339(770) 874-3325View Map

View more Atlanta agents

Finding the right insurance agency should include more criteria than just the premium amount. These are some questions your agent should answer.

Car insurance can get complicated

When it comes to the best car insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed.Higher deductibles save money
For instance, these questions can aid in determining if you will benefit from professional help.

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Lower rates by being persistent

Some insurance providers may not offer the ability to get quotes online and usually these regional carriers work with independent agents. Budget-conscious Mercedes-Benz E350 insurance is definitely available both online in addition to many Atlanta insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

In this article, we presented a lot of techniques to find affordable Mercedes-Benz E350 insurance in Atlanta. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding affordable Atlanta auto insurance quotes. Consumers may even find the biggest savings come from a lesser-known regional company. These smaller insurers may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Even more information can be read in the articles below: