1996 Mercedes-Benz E-Class Car Insurance Rates – 6 Tricks for Best Quotes

Looking for the cheapest insurance coverage rates for your Mercedes-Benz E-Class? Have you finally had enough of sacrificing to insure your Mercedes-Benz every month? You have the same problem as many other drivers.

With people having so many online and local companies to choose from, it’s difficult to choose the cheapest insurer.

How to compare auto insurance price quotes

When shopping for cheap auto insurance quotes, there are a couple of ways of comparing rates from many available auto insurance companies in your state. The fastest way to compare rates is to use the internet to compare rates. This is very easy and can be done using a couple different methods.

1. The simplest way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This method saves time by eliminating separate forms for every company. One simple form gets coverage cost estimates from all major companies.
2. A more time consuming way to get quotes online consists of going to each company website and request a quote. For sake of this example, let’s say you want to get rates from Progressive, Farmers and Travelers. In order to compare rates, you need to take the time to go to each site to enter the same coverage data repeatedly, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

You can choose any of those ways to find more affodable coverage, but do your best to enter equivalent coverage data on every price quote you get. If you have mixed coverages it’s not possible to get a fair rate comparison. Just a small difference in coverages can mean a large discrepancy in price. And when price shopping your coverage, getting more free quotes provides better odds of finding the best price.

Situations that may require an agent’s advice

When buying coverage for your vehicles, there is no “best” method to buy coverage. Each situation is unique so this has to be addressed. These are some specific questions may help highlight whether your personal situation could use an agent’s help.

• Does my policy cover my teen driver if they drive my company car?
• Do I need to file an SR-22 for a DUI in my state?
• When can my company non-renew my policy?
• Why is insurance for a teen driver so high?
• Is business property covered if stolen from my car?
• Do I need an umbrella policy?
• Is extra glass coverage worth it?
• I have a DUI can I still get coverage?
• Are split liability limits better than a combined single limit?
• What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Coverages available on your auto insurance policy

Having a good grasp of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on most auto insurance policies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like pain medications, chiropractic care and rehabilitation 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. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverage

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, theft, damage from a tornado or hurricane and fire damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverage

Liability insurance protects you from damage that occurs to other people or property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as pain and suffering, repair costs for stationary objects, emergency aid, court costs and loss of income. How much coverage you buy is your choice, but buy higher limits if possible.

Auto collision coverage

This pays for damage to your E-Class resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, scraping a guard rail, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.