1997 Mercedes-Benz E-Class Insurance Rates – 10 Tips to Save

Searching for low-cost insurance for a new or used Mercedes-Benz E-Class can turn out to be a lot of work, but you can learn these tips and make it easy.

There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the quickest way to compare rates for a Mercedes-Benz and locate the best price possible either online or from local insurance agents.

If you are insured now or need new coverage, you can use these techniques to cut your premiums and still get good coverage. Finding more affordable auto insurance coverage is not that difficult. Vehicle owners just need to understand the tricks to get comparison quotes online.

The best way to get policy rate comparisons is to know the trick most larger insurance companies actually pay money for the chance to give rate comparisons. The one thing you need to do is provide a little information including driver details, your general credit rating, daily mileage, and which vehicles you own. The rating information is sent automatically to many of the top insurers and they return quotes instantly.

Insurance can get complicated

When buying the right insurance coverage, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can help discover whether you could use an agent’s help.

  • Am I covered if I drive in a foreign country?
  • Is my dog or cat covered if injured in an accident?
  • What is an SR-22 filing?
  • When should I not file a claim?
  • What is UM/UIM insurance?
  • Do I really need UM/UIM coverage?
  • When can my company non-renew my policy?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Learning about specific coverages of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1997 Mercedes-Benz E-Class.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a bird, vandalism, theft and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like attorney fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, hitting a parking meter, damaging your car on a curb and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage kick in for immediate expenses for things like hospital visits, surgery, prosthetic devices, doctor visits and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible