1998 Mercedes-Benz E-Class Car Insurance Quotes – 6 Tricks for Cheapest Rates

Want better auto insurance rates for your Mercedes-Benz E-Class? Buying low-cost auto insurance can seem to be impossible for drivers who are beginners to quoting and price shopping on the internet. With so many options of insurers to choose from, how are we expected to have time to compare each option to find the lowest rates?

More affordable rates with these six discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not know about. A few discounts will be applied at quote time, but once in a while a discount must be manually applied before being credited. If you do not double check each discount available, you may be paying too high a price.

  • Driver Training Discounts – Completing a class that teaches defensive driver techniques could earn you a small percentage discount and easily recoup the cost of the course.
  • Accident Free – Drivers who don’t have accidents pay less in comparison to insureds who have frequent claims or accidents.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up could cut 10% or more off the personal injury premium cost.
  • Early Switch Discount – A few companies give discounts for switching to them prior to your current policy expiring. It could save around 10% when you buy car insurance online.
  • Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
  • Cautious Drivers – Drivers who avoid accidents can save as much as half off their rates on E-Class insurance as compared to drivers with claims.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, it’s just not the way it works. Any qualifying discounts will bring down your policy premiums.

Larger insurance companies and a summarized list of policyholder discounts include:

  • Mercury Insurance policyholders can earn discounts including annual mileage, type of vehicle, age of vehicle, professional/association, accident-free, and good student.
  • Farmers Insurance includes discounts for pay in full, alternative fuel, multi-car, mature driver, youthful driver, business and professional, and bundle discounts.
  • Farm Bureau may have discounts that include driver training, youthful driver, safe driver, multi-policy, 55 and retired, multi-vehicle, and renewal discount.
  • State Farm offers discounts for passive restraint, multiple policy, Drive Safe & Save, good student, and anti-theft.
  • Allstate has discounts for auto/life discount, good payer, safe driver, EZ pay plan discount, and anti-theft.
  • GEICO offers premium reductions for federal employee, five-year accident-free, defensive driver, multi-policy, and good student.

If you want cheaper car insurance quotes, ask every prospective company which credits you are entitled to. A few discounts may not be offered in your area. If you would like to view providers with the best discounts, click here to view.

Car insurance can be complex

When buying coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions can aid in determining if your insurance needs will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • Will my insurance pay for OEM parts?
  • Should I buy only the required minimum liability coverage?
  • Does my 1998 Mercedes-Benz E-Class qualify for pleasure use?
  • How can I get high-risk coverage after a DUI?
  • Am I covered if hit by an uninsured driver?
  • Do I need rental car coverage?
  • If I drive on a suspended license am I covered?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, take a second and complete this form.

Specifics of your insurance policy

Knowing the specifics of insurance can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Liability coverage

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as funeral expenses, structural damage and medical expenses. How much liability should you purchase? That is your choice, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz E-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and falling objects. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, hitting a parking meter, colliding with another moving vehicle, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like doctor visits, EMT expenses, dental work, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Be a penny pincher

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are too many instances where an insured dropped uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Consumers change insurance companies for a number of reasons such as lack of trust in their agent, questionable increases in premium, an unsatisfactory settlement offer or even delays in paying claims. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

The cheapest 1998 Mercedes-Benz E-Class insurance is definitely available from both online companies and from local agencies, and you should compare price quotes from both to have the best selection. A few companies do not offer the ability to get a quote online and usually these regional carriers only sell coverage through independent agents.

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