2005 Mercedes-Benz E-Class Insurance Quotes

Online rate comparisons for cheaper auto insurance might sound like a lofty goal if you haven’t ever used online price comparisons. But don’t let that discourage you because comparing quotes is actually very simple.

You should take the time to get comparison quotes once or twice a year because rates are variable and change quite frequently. Just because you found the best rate for E-Class insurance on your last policy other companies may now be cheaper. Ignore everything you know about insurance because you’re going to learn how to use online quotes to properly buy coverages and cut your premium.

Finding the best rates is not that difficult. Basically, every driver who buys car insurance most likely will be able to cut their insurance bill. But consumers benefit from understanding how big insurance companies price online insurance.

Where can I get affordable insurance?

Most companies such as Allstate and Progressive give pricing directly from their websites. Getting online rates is pretty easy as you just type in the coverage amounts you desire as detailed in the form. After you submit the form their rating system will order credit information and your driving record and generates pricing information based on many factors.

This simplifies rate comparisons, but having to visit each company’s website and repetitively type in your information is a big time waster. But it is imperative to compare as many rates as possible in order to get a better rate.

Keep reading for an easier way to compare prices

An easier way to compare rates uses one form that obtains quotes from more than one company. It’s a real time-saver, requires much less work on your part, and makes rate comparisons much more enjoyable and efficient. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any or none of the returned quotes. If the quotes result in lower rates, you can click and sign and buy the policy. It takes just a few minutes to complete and could lower your rates considerably.

To quickly use this form to compare rates, simply click here to open in new window and enter your information. If you currently have coverage, we recommend you replicate exactly as shown on your declarations page. This makes sure you will be getting an apples-to-apples comparison for the exact same coverage.

Don’t overlook these eight auto insurance discounts

Some insurance providers do not list all disounts very clearly, so we took the time to find a few of the more well known in addition to some of the lesser obvious credits that you can use to lower your rates.

Full Payment Discount – By paying your policy upfront as opposed to paying monthly you can avoid monthly service charges.
Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education if it’s offered in school.
Multi-car Discount – Buying insurance for primary and secondary vehicles on one policy qualifies for this discount.
Auto/Home Discount – If you insure your home and vehicles with one company you could get a discount of up to 20% off your total premium.
Save with a New Car – Buying a new car model can be considerably cheaper due to better safety requirements for newer models.
Safety Course Discount – Taking part in a defensive driver course may get you a small discount if your company offers it.
Seat Belt Discounts – Buckling up and requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
Early Signing – Select companies give a discount for buying a policy prior to the expiration date on your current policy. You can save around 10% with this discount.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will lower your policy cost.

Some of the larger companies that may include most of the discounts above include:

When getting free auto insurance quotes, it’s a good idea to all companies you are considering which discounts you qualify for. A few discounts may not apply in your area.

When to get professional advice

When it comes to choosing proper insurance coverage, there really is not a one size fits all plan. Everyone’s needs are different.

For instance, these questions might point out if you will benefit from professional help.

Does my personal policy cover me when driving out-of-state?
Is a fancy paint job covered?
What vehicles should carry emergency assistance coverage?
Where can I get insurance after a DUI in my state?
Does medical payments coverage apply to all occupants?
When should my teen driver be added to my policy?
Why do I need rental car insurance?
Does coverage extend to my business vehicle?
Who is covered when they drive my 2005 Mercedes-Benz E-Class?
Should I buy only the required minimum liability coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

The coverage is in the details

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz E-Class.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as nursing services, pain medications, EMT expenses and dental work. They are used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

This will cover damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as medical expenses, structural damage, pain and suffering and court costs. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive insurance

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as falling objects, theft, hitting a deer and hitting a bird. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This coverage will pay to fix damage to your E-Class resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

2005 Mercedes-Benz E-Class Insurance Quotes – 8 Tips to Save