Finding better insurance prices for a car in Texas can normally be a painful process, but you can use a few tricks to find lower rates.

There is a better way to find car insurance online and we'll show you the absolute fastest way to get price quotes for a new or used and get the lowest price from Mercedes insurance agents and online providers.

You should take the time to do rate comparisons before your next renewal because car insurance prices are constantly changing. Just because you had the best rates on car insurance two years ago you may be paying too much now. Block out anything you think you know about car insurance because you're going to learn one of the easiest ways to lower your annual insurance bill.

Comparison shopping for affordable protection in Mercedes is not that difficult. If you have a current auto insurance policy or need a new policy, you can use this information to reduce premiums and still have adequate protection. Comparison shoppers just need to use the quickest way to shop their coverage around online from multiple companies.

The companies shown below offer quotes in Texas. If you wish to find cheap car insurance in Texas, it's highly recommended you visit several of them to get a more complete price comparison.

Insurance Estimates for Popular Vehicles in Mercedes
Make, Model, and Trim Level Annual Policy Premium 6-month Policy Premium Monthly Premium
Chevrolet Impala LTZ $1,186 $593 $99
Chevrolet Silverado LS Extended Cab 2WD $950 $475 $79
Dodge Grand Caravan Crew $1,034 $517 $86
Dodge Ram Crew Cab SLT 2WD $1,360 $680 $113
Ford Escape Limited 2WD $870 $435 $73
Ford F-150 XLT Regular Cab 4WD $1,384 $692 $115
Ford Focus SEL 4-Dr Sedan $1,044 $522 $87
Ford Fusion Sport 4-Dr Sedan $1,088 $544 $91
Honda Accord LX 4-Dr Sedan $1,016 $508 $85
Honda CR-V EX 4WD $1,142 $571 $95
Honda Civic DX 2-Dr Coupe $1,554 $777 $130
Nissan Altima 3.5 SR 2-Dr Coupe $1,060 $530 $88
Nissan Rogue S 2WD $1,188 $594 $99
Toyota Camry LE $1,012 $506 $84
Toyota Corolla XRS $1,378 $689 $115
Toyota RAV4 Limited 4WD $1,150 $575 $96
Get Your Own Custom Quote Go

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Information does not factor in Mercedes location which can increase or decrease coverage rates noticeably.

Males versus Females

The information below shows the comparison of premium costs for male and female drivers in Mercedes. The premiums assume no violations or claims, comp and collision included, $1,000 deductibles, drivers are single, and no policy discounts are applied on a Kia Optima LX.

Kia Optima rates are for example purposes only. To get rate quotes for your specific vehicle, click here.

Auto insurance deductibles

The diagram below shows how choosing a deductible and can change Ford F-150 insurance costs for different insured age categories. The information is based on a married female driver, comp and collision included, and no additional discounts are factored in.

Ford F-150 rates are for example purposes only. To get rates for your specific vehicle, click here.

When should I get advice from an insurance agent?

Some people would rather sit down and talk to an agent. Professional agents can help determine the best coverages and help submit paperwork. The biggest benefit of comparing insurance prices online is the fact that drivers can get cheap car insurance rates and still have a local agent. Buying from neighborhood insurance agencies is still important in Mercedes.

Insurance agency in MercedesBy using this quick form, your insurance data is immediately sent to local insurance agents that can give you free Mercedes car insurance quotes for your business. It's much easier because you don't need to visit any agencies due to the fact that quote results will go straight to your inbox. If you have a need to compare rates from a particular provider, don't hesitate to jump over to their website to submit a rate quote request.

The different types of auto insurance agents

If you want local Mercedes agents, you must know there are a couple different types of agencies and how they differ in how they quote coverages. Car insurance agents in Mercedes can be described as either exclusive or independent agents depending on their company appointments. Either type can sell and service car insurance coverage, but it's a good idea to understand the difference in the companies they write for since it could factor into your agent selection.

Independent Car Insurance Agents (or Brokers)

These agents are normally appointed by many insurers so as a result can place your coverage through many companies and find the cheapest car insurance rates. If prices rise, an independent agent can move your coverage and you don't have to do anything.

If you need lower rates, you should always get quotes from a couple of independent agencies to get the most accurate price comparison. Most also write with less well-known companies that many times have cheaper rates.

Exclusive Insurance Agents

Exclusive insurance agents can usually just insure with one company like Allstate, AAA, Farmers Insurance, and State Farm. They are unable to provide prices from multiple companies so you might not find the best rates. These agents are usually well trained on the products they sell which can be an advantage. Consumers sometimes use the same agent mostly because of the prominent brand name and the convenience of having a single billing for all their coverages.

Picking the best insurance agent requires you to look at more than just a cheap price quote. These are some questions you should get answers to.

Car insurance claim statistics

Which vehicles tend to have fewer claims? The statistics below outline the good and bad vehicle models for likelihood of filing claims organized by coverage.

Lowest and Highest Comprehensive Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Chevy Spark BMW M6
Ford F-350 Bentley Continental GT
Nissan Leaf Bentley Continental GTC
GMC Sierra 2500 Mercedes-Benz S Class
Chevy Silverado 2500 Maserati Quattroporte
Nissan Xterra Porsche Panamera GTS

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Vehicle Make and Models with the Lowest and Highest Medical Payment Claims
Lowest Claim Amount Highest Claim Amount
Chevrolet Silverado 2500 Chevrolet Spark
Chevrolet Corvette Chevrolet Sonic
Ford Expedition Mitsubishi Mirage
Tesla Model S Nissan Sentra
Ford F-350 SuperCrew Dodge Charger
Chevrolet Silverado 3500 Chrysler 200

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Liability Coverage Claims by Vehicle Model
Lowest Claim Amount Highest Claim Amount
Volvo XC60 Chevrolet Impala
Acura MDX Chrysler 200
Mercedes-Benz SL Class Dodge Charger
Fiat 500 Mitsubishi Lancer
Chevrolet Corvette Mitsubishi Mirage
Subaru Forester Chevrolet Sonic

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Lowest and Highest Car Insurance Collision Claims by Vehicle Make and Model
Lowest Claim Amount Highest Claim Amount
Smart ForTwo BMW 6 Series
GMC Canyon Nissan GT-R
Ford F-250 SuperCab Bentley Continental Flying Spur
Jeep Wrangler Maserati Granturismo
Ford Edge Bently Continental GTC
Nissan Xterra Maserati Ghibli

Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years