2006 Mercedes-Benz E-Class Insurance Rates – 6 Policy Discounts

Want lower insurance coverage rates? Drivers have options when trying to find the best price on Mercedes-Benz E-Class insurance. They can either waste time calling around to compare prices or leverage the internet to compare rates.

There are more efficient ways to compare insurance coverage rates and you need to know the proper way to compare rates on a Mercedes-Benz and get the best price possible from both online companies and local agents.

Get cheap car insurance with discounts

Some insurers don’t list the complete list of policy discounts very well, so the following list contains both the well known and the harder-to-find car insurance savings.

  • Lower Rates for Military – Having a deployed family member could be rewarded with lower rates.
  • College Student – Any of your kids who live away from home at college and do not have a car may be able to be covered for less.
  • Savings for New Vehicles – Putting insurance on a new car is cheaper due to better safety requirements for newer models.
  • Air Bag Discount – Vehicles equipped with air bags could see savings of 25 to 30%.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on E-Class insurance than drivers with accident claims.
  • Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.

Don’t be shocked that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. So even though you would think you can get free auto insurance, that’s just not realistic.

Some of the insurance companies who may offer most of these discounts include:

Double check with all companies you are considering to give you their best rates. Some credits might not be offered in every state. To see a list of car insurance companies who offer car insurance discounts, click this link.

Free insurance coverage quotes

Getting a cheaper price on 2006 Mercedes-Benz E-Class insurance is pretty simple and can save money. The only requirement is to spend a little time to compare rate quotes to find out which insurance company has affordable insurance coverage quotes. It’s super easy and can be done by using one of the methods below.

  1. The simplest way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This style of form saves time by eliminating separate quotation requests for every company. In just a few minutes this one form will get you price quotes from multiple low-cost companies. It’s definitely the quickest method.
  2. A different way to analyze rates requires a trip to the website for each individual company to complete their respective quote request forms. For example, let’s say you want to compare prices for Progressive, State Farm and Farmers. You would be required to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method. To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just be sure you’re using the exact same coverage information for each price quote. If each company quotes differing limits it will be nearly impossible to make an equal comparison.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions can help discover whether or not you may require specific advice.

  • Does car insurance cover theft of personal property?
  • Why am I required to get a high-risk car insurance policy?
  • Are all vehicle passengers covered by medical payments coverage?
  • How many claims can I have before being cancelled?
  • What is the difference between comprehensive and collision coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What is medical payments coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $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. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, repair bills for other people’s vehicles, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz E-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses like hospital visits, funeral costs, EMT expenses and pain medications. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, vandalism, hitting a deer, fire damage 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’s value is low it’s not worth carrying full coverage.

Quote more, save more

When shopping online for car insurance, never buy less coverage just to save a little money. In many instances, an insured cut comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best possible price and still be able to protect your assets.

Low-cost 2006 Mercedes-Benz E-Class insurance can be purchased on the web as well as from insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get a quote online and most of the time these regional carriers only sell through independent agencies.

Drivers leave their current company for many reasons like policy non-renewal, delays in paying claims, high prices and even extreme rates for teen drivers. Regardless of your reason, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

Additional detailed information is located at these sites: