View 1999 Mercedes-Benz E-Class Insurance Rates

Feel like you have overpriced car insurance? It’s a common feeling and many consumers are in the same pinch. Because there are so many car insurance companies to choose from, it’s difficult to choose the cheapest insurer.

These discounts can lower your insurance rates

Car insurance can cost a lot, but there may be some discounts that you may not even know about. Certain reductions will be credited at the time of purchase, but some may not be applied and must be asked for before they will apply.

  • Service Members Pay Less – Being deployed in the military could mean lower rates.
  • Drive Less and Save – Maintaining low annual mileage could earn discounted prices on garaged vehicles.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Liberty Mutual, Allstate and State Farm will let one accident slide before your rates go up as long as you don’t have any claims for a certain period of time.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use a seat belt can save 10% or more off PIP or medical payments premium.
  • Driver’s Education for Students – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school or through a local driver safety program.
  • Multiple Policy Discount – If you can bundle your homeowners and auto insurance with one company you may save approximately 10% to 15%.
  • Drive Safe and Save – Insureds who avoid accidents can get discounts for up to 45% lower rates for E-Class coverage than less cautious drivers.
  • No Claims – Drivers who don’t have accidents pay much less compared to frequent claim filers.
  • Discount for New Cars – Buying a new car model is cheaper because new model year vehicles have to meet stringent safety requirements.
  • Driving Data Discount – Drivers that enable their insurance company to study driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might see lower rates if they exhibit good driving behavior.

As is typical with insurance, most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Even though the math looks like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will help reduce your premiums.

A few companies that may include most of these discounts possibly include:

If you need lower rates, check with all the companies which discounts they offer. Depending on the company, some discounts might not apply in your area. If you would like to see a list of insurance companies who offer insurance discounts, follow this link.

Informed drivers know how to get insurance coverage for less

Lots of factors are part of the calculation when you quote your car insurance policy. Some are obvious like a motor vehicle report, but other criteria are more transparent like your vehicle usage and annual miles driven.

The itemized list below are most of the major factors utilized by car insurance companies to help set your premiums.

  • Rural areas have lower rates – Choosing to live in less populated areas of the country is a good thing when it comes to insurance coverage. Fewer drivers translates into fewer accident claims and lower theft and vandalism rates. City drivers regularly have more traffic problems and higher rates of accident claims. The longer drive time means more chance of being in an accident.
  • How do annual miles impact rates? – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Almost all companies charge rates based on how the vehicle is used. Vehicles that have low annual miles can be on a lower rate level than vehicles that are driven to work every day. Incorrect rating for your E-Class may be costing you. Make sure your declarations sheet states the correct usage.
  • Rates increase with driving citations – Drivers who don’t get tickets receive lower rates as compared to careless drivers. Getting just one speeding ticket or other violation can boost insurance rates by twenty percent. Drivers who get serious violations such as reckless driving or DUI may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to drive a vehicle legally.
  • Insurance prices and driver gender – Statistics show that females tend to be a little less risky than males. Now that doesn’t mean males are worse at driving than females. Males and females are responsible for at-fault accidents at a similar rate, but guys tend to have more serious accidents. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving. Young men ages 16 to 20 have the highest risk to insure and are penalized with high insurance coverage rates.

Different people need different auto insurance coverages

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your situation might need an agent’s assistance.

  • Does my insurance cover my expensive audio equipment?
  • What is the rate difference between pleasure use and commuting?
  • Am I missing any policy discounts?
  • Should I buy full coverage?
  • Am I covered when pulling a rental trailer?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my state a no-fault state?
  • Does liability extend to a camper or trailer?
  • When can I cancel my policy?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage options for a 1999 Mercedes-Benz E-Class

Understanding the coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most auto insurance policies.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, falling objects, hitting a bird and theft. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for short-term medical expenses for doctor visits, dental work, hospital visits and EMT expenses. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz E-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage covers damage to your E-Class resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, crashing into a building, scraping a guard rail, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible in order to get cheaper collision rates.

Coverage for liability

This coverage will cover damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as funeral expenses, bail bonds and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Shop. Compare. Save.

When shopping online for auto insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage only to find out they didn’t purchase enough coverage. Your goal should be to buy the best coverage you can find at the best price and still be able to protect your assets.

Discount 1999 Mercedes-Benz E-Class insurance is available on the web in addition to local insurance agencies, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get quotes online and usually these small, regional companies prefer to sell through independent insurance agents.

Even more information can be found at these sites: