2008 Mercedes-Benz E-Class Insurance Quotes – 8 Tips to Save

Drivers have many options when trying to find the lowest priced Mercedes-Benz E-Class insurance. You can either spend your time driving around getting price quotes or utilize the internet to compare rates.

There are more efficient ways to shop for car insurance and you need to know the absolute fastest way to get price quotes on a Mercedes-Benz and obtain the lowest possible price from both online companies and local agents.

Get affordable insurance coverage rates with discounts

Companies that sell car insurance don’t always advertise every discount they offer in an easy-to-find place, so the list below contains a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

  • Multi-line Discount – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
  • Discount for Good Grades – Excelling in school can earn a discount of 20% or more. Most companies allow this discount until age 25.
  • Accident Forgiveness – This isn’t a discount exactly, but certain companies will let one accident slide before your rates go up if you have no claims for a set time period.
  • Auto/Home Discount – If you combine your auto and homeowners policies with the same insurance company they may give you a discount of approximately 10% to 15%.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices help deter theft and can earn a small discount on your policy.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple vehicles on the same insurance coverage policy can get a discount on all vehicles.
  • Cautious Drivers – Insureds without accidents can pay as much as 50% less on E-Class coverage than drivers with accident claims.
  • Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education if offered at their school.

As a sidenote, some credits don’t apply the the whole policy. The majority will only reduce specific coverage prices like comprehensive or collision. So when the math indicates you can get free auto insurance, it doesn’t quite work that way.

A list of insurance coverage companies and a selection of discounts can be read below.

  • State Farm may include discounts for good driver, student away at school, multiple policy, driver’s education, and Steer Clear safe driver discount.
  • Esurance has discounts for homeowner, DriveSense, paid-in-full, multi-policy, and safety device.
  • Progressive may offer discounts for good student, online signing, online quote discount, homeowner, multi-vehicle, and continuous coverage.
  • Liberty Mutual may have discounts that include teen driver discount, exclusive group savings, new vehicle discount, hybrid vehicle, preferred payment discount, and multi-policy.
  • Auto-Owners Insurance includes discounts for safe vehicle, multiple vehicles, company car, good student, mature driver, and safe driver.
  • GEICO has savings for five-year accident-free, military active duty, driver training, anti-theft, air bags, defensive driver, and seat belt use.

If you need inexpensive insurance coverage quotes, ask each insurance company which credits you are entitled to. Depending on the company, some discounts might not be offered in every state.

How to shop car insurance online

Reducing your 2008 Mercedes-Benz E-Class insurance rates can be surprisingly simple. Just invest a few minutes to compare rate quotes to find. Rate comparisons can be done by following the guidelines below.

  1. One of the best ways consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating repetitive form entry for each company you want a rate for. Filling out one form will return quotes direct from many companies. It’s definitely the quickest method.
  2. A slightly less efficient method to obtain and compare quotes online consists of visiting the website for every company you want to comare and go through the quote process again. For instance, let’s say you want to compare State Farm, Progressive and Liberty Mutual. You would have to visit each site and enter your policy data, which is why the first method is more popular. For a list of companies in your area, click here.

It’s your choice how you get your quotes, but try to keep the exact same coverages and limits for each comparison quote. If your comparisons have higher or lower deductibles it’s not possible to make an equal comparison.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that might help in determining if your insurance needs would benefit from professional advice.

  • Are rock chip repairs covered?
  • How much underlying liability do I need for an umbrella policy?
  • Can I drive in Mexico and have coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I have any recourse if my insurance company denies a claim?
  • Where can I get insurance after a DUI in my state?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and you can get the answers you need.

Advertising myths

Consumers can’t get away from all the ads for the lowest price car insurance by State Farm, GEICO and Progressive. They all advertise the message about savings if you just switch your policy.

That’s great but how can every company have lower policy pricing? Just pay attention to how they say it.

All the different companies look for specific characteristics for a prospective insured that earns them a profit. For example, a desirable insured may be over the age of 40, carries high limits, and drives newer vehicles. Any person who fits those characteristics will probably get the lowest rates and will save money with a new company.

Insureds who cannot meet these criteria may receive higher premium rates and the customer not buying. Company advertisements say “drivers that switch” not “everyone who quotes” save the amount stated. That is how insurance companies can confidently make those claims.

Because each company has a different risk profile, it’s extremely important to get insurance coverage quotes from several different companies. It is impossible to guess which insurance companies will have the lowest rate quotes.

Insurance coverage breakdown

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

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like X-ray expenses, doctor visits, hospital visits, prosthetic devices and surgery. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mercedes-Benz E-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are set the same as your liablity limits.

Liability insurance

Liability insurance provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as attorney fees, legal defense fees, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, fire damage, damage from flooding, hail damage and damage from getting keyed. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, crashing into a building and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Have money to burn

Insureds leave their current company for a number of reasons such as an unsatisfactory settlement offer, denial of a claim, delays in paying claims or policy cancellation. No matter why you want to switch, switching car insurance companies can be easier than you think.

Budget-conscious 2008 Mercedes-Benz E-Class insurance can be bought on the web and from local insurance agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not have rates over the internet and many times these small, regional companies work with local independent agents.

We just showed you a lot of techniques to compare 2008 Mercedes-Benz E-Class insurance rates online. The key concept to understand is the more providers you compare, the better likelihood of getting inexpensive insurance coverage. Drivers may discover the lowest rates come from a small local company.

More detailed car insurance information can be read by following these links: