Compare 2002 Mercedes-Benz E-Class Car Insurance Quotes

Trying to find better insurance prices for a Mercedes-Benz E-Class could be a painful process, but you can learn a few tricks to make it easier.

There are both good and bad ways to compare car insurance rates and you need to know the absolute fastest way to get price quotes for a new or used Mercedes-Benz and get the cheapest rates either online or from local insurance agents.

It is always a good idea to take a look at other company’s rates before your policy renews because car insurance prices are usually higher with each renewal. Just because you found the lowest rates for E-Class coverage a year ago there may be better deals available now. You’ll find a ton of advice on car insurance online but you can learn some of the best techniques to reduce your car insurance bill.

If you are insured now or need new coverage, you can follow these tips to find the best rates while maintaining coverages. Finding affordable car insurance coverage is simple if you know the tricks. Drivers just need to know the most efficient way to buy car insurance on the web.

Compare car insurance quotes

Comparing car insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You could waste time driving to local insurance agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies participate in an industry program where prospective buyers send in one quote, and each company returns a rated price. This system prevents you from having to do repetitive form submissions for each company you want a rate for. To use this form to compare rates click here (opens in new window).

The only downside to getting quotes like this is that consumers can’t choose which insurance companies you will receive quotes from. So if you want to select specific insurance companies to compare prices, we have a page of the cheapest car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just make sure you use exactly the same information for every company. If your comparisons have different deductibles you can’t possibly determine which company has the best rates.

These discounts can lower auto insurance rates

Companies that sell car insurance do not list the entire discount list very clearly, so we researched both well-publicized as well as the least known discounts that may be available.

Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Cautious Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for E-Class coverage compared to accident prone drivers.
Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
Professional Organizations – Participating in qualifying employment or professional organizations can get you a small discount on your next auto insurance statement.
Driver’s Ed – Teen drivers should successfully complete driver’s ed class in school or through a local driver safety program.

Don’t be shocked that most discount credits are not given to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky.

If you would like to choose from a list of insurers offering auto insurance discounts, click this link.

Why your insurance premiums might be higher

Lots of factors are taken into consideration when you get your auto insurance bill. Some are pretty understandable such as traffic violations, although others are not as apparent like your vehicle usage or how safe your car is.A large part of saving on insurance is knowing a few of the rating criteria that help calculate the level of your policy premiums. If you know what determines base rates, this enables informed choices that may reward you with lower rates.

The items below are most of the major factors that factor into your premiums.

Liability protection risk factors in – Your insurance policy’s liability coverage is the coverage that protects you when a court rules you are at fault for an accident. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Excellent credit means lower prices – Having a good credit score is a big factor in calculating your premium rate. If your credit history is low, you could be paying less to insure your 2002 Mercedes-Benz E-Class by repairing your credit. People that have good credit tend to be better drivers and file fewer claims as compared to drivers with poor credit.
Better insurance rates on vehicles with better crash test results – Vehicles with good safety scores cost less to insure. Vehicles engineered for safety have better occupant injury protection and fewer injuries means less claims paid which can mean better rates for you.
Accidents can be expensive – Good drivers get better rates as compared to those with violations. Having a single driving citation can boost insurance rates forty percent or more. Drivers who have gotten flagrant tickets like reckless driving or DUI may be required to maintain a SR-22 with their state’s licensing department in order to legally drive.
Do men or women drive better? – Statistics demonstrate women tend to be less risk to insure than men. It does not mean females are better drivers. Both genders cause auto accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to have more aggressive citations like driving under the influence (DUI). Male teenagers have the highest risk to insure and therefore pay the highest rates.
Prices and employer – Did you know your job can affect your rates? Occupations such as doctorsairline pilots and miners tend to pay the highest rates due to intense work requirements and lengthy work days. On the other hand, jobs such as professors, historians and the unemployed have lower than average premiums for E-Class coverage.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different.

For example, these questions can help discover whether you would benefit from professional advice.

Why do I only qualify for high-risk insurance?
Am I better off with higher deductibles on my 2002 Mercedes-Benz E-Class?
Can I get a multi-policy discount for packaging my home and auto coverage?
Where can I find high-risk insurance?
If I drive on a suspended license am I covered?
How can I force my company to pay a claim?
How high should my medical payments coverage be?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverage information

Having a good grasp of your car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your 2002 Mercedes-Benz E-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like nursing services, rehabilitation expenses and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages

This can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

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 values of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like structural damage, funeral expenses, court costs and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, hitting a deer, falling objects, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Don’t be a big spender

Some insurance companies may not have rates over the internet and these smaller providers sell through independent agents. Low-cost 2002 Mercedes-Benz E-Class insurance is available online as well as from insurance agents, and you need to price shop both to have the best rate selection.

Throughout this article, we presented some good ideas how to get a better price on 2002 Mercedes-Benz E-Class insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the most savings is with a small local company.

When getting auto insurance quotes online, never skimp on coverage in order to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. The ultimate goal is to buy enough coverage at an affordable rate and still be able to protect your assets.