Save on 2013 Mercedes-Benz E-Class Insurance Rates

Did you come to the realization that you have an expensive auto insurance policy? Trust us when we tell you many consumers are in the same pinch.

Due to the large number of companies and agents to choose from, it can be hard to find a more affordable company.

It’s a great practice to get comparison quotes at least once a year because auto insurance rates tend to go up over time. Despite the fact that you may have had the best rate on E-Class insurance a year ago you can probably find a lower rate today. You can search a lot of auto insurance online, but in a few minutes you can learn the best ways to lower your auto insurance bill.

Lower your insurance prices

Lots of factors are used in the calculation when you quote your car insurance policy. Some are obvious like an MVR report, but other criteria are less obvious such as your marital status or your commute time.

Listed below are a partial list of the pieces used by companies to determine rates.

  • With age comes responsibility – Inexperience drivers are known to be inattentive and easily distracted behind the wheel therefore car insurance rates are much higher. Mature drivers are proven to be safer behind the wheel, are lower risk to insure and tend to be get fewer driving tickets.
  • Adjust physical damage deductibles and save – Physical damage protection, aka comp and collision, insures against damage to your Mercedes-Benz. Some examples of covered claims could be a broken windshield, vandalism, and having your car stolen. The deductibles you choose are how much you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the less money you will pay for car insurance on E-Class insurance.
  • Cheaper to insure gals? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn’t prove that women are BETTER drivers than men. Men and women cause at-fault accidents in similar numbers, but the male of the species have accidents that have higher claims. In addition to higher claims, males also receive more major tickets such as DWI and reckless driving. Male teenagers are the most expensive to insure and therefore have the most expensive car insurance rates.
  • Avoid traffic tickets – Careful drivers get better rates than people who have multiple driving citations. Having just one ticket can boost insurance rates by as much as twenty percent. Drivers unfortunate enough to have serious violations like DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state DMV in order to keep their license.
  • Insure car and home with the same company – Most companies provide discounts to clients who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, it’s always a smart idea to shop around to ensure the best deal.
  • lapses raise rates – Having a lapse in insurance coverage is a fast way to trigger a rate increase. And not only will your rates increase, the inability to provide proof of insurance may result in a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.

The best way to compare insurance rates from multiple companies is to know the trick most of the bigger providers actually pay money for the chance to provide you with free rate quotes. To begin a comparison, all you need to do is give them rating details such as if your license is active, if it has an anti-theft system, driver details, and distance driven. That information is instantly provided to all major companies and you get price estimates within a short period of time.

If you wish to get multiple quotes for your 2013 Mercedes-Benz E-Class now, click here and find out if lower rates are available.

Insurance coverage ads are enticing

Respected companies like Progressive, GEICO, Allstate and State Farm continually stream television, radio, and online ads. All the ads state the claim that drivers can save some big amount if you move your policy. How is it plausible that every one can charge less that you’re paying now? This is the way they can do it.

Insurance companies provide the lowest rates for the type of driver that will be a good risk. For instance, a desirable risk should be between the ages of 30 and 45, has other policies, and drives less than 10,000 miles a year. A propective insured that meets those criteria will qualify for the lowest premium rates and will also cut their rates substantially.

Potential customers who fall short of these criteria will have to pay higher premiums which usually ends up with business not being written. If you listen closely, the ads state “customers that switch” but not “everyone who gets a quote” save that much. This is how companies can truthfully make the claims of big savings.

Because each company has a different risk profile, you really need to compare many company’s car insurance rates. You cannot predict which company will have the best rates.

Lower-cost auto insurance quotes with discounts

Companies that sell car insurance don’t list every available discount in an easy-to-find place, so the list below contains some of the more common and the more hidden credits available to bring down your rates.

  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more on E-Class insurance compared to rates paid by drivers with frequent claims.
  • Low Miles Discount – Low annual miles could qualify for lower prices due to less chance of an accident.
  • Seat Belts Save – Requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Theft Deterent Discount – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
  • Senior Citizens – Drivers over the age of 55 may qualify for reduced rates on E-Class insurance.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only cut individual premiums such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A partial list of companies that may include these money-saving discounts include:

Double check with each insurance company the best way to save money. Some credits may not apply to policies in your area. To locate providers that have a full spectrum of discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Am I covered when driving in Canada or Mexico?
  • When does my teenage driver need to be added to my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need higher collision deductibles?
  • What are the best liability limits?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types available from car insurance companies.

Coverage for liability – Liability coverage will cover damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover 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. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for things such as structural damage, attorney fees, loss of income, medical expenses and pain and suffering. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like dental work, hospital visits and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision – This covers damage to your E-Class from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like crashing into a building, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz E-Class.

Because many people carry very low liability coverage 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 are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, damage from a tornado or hurricane and theft. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage on a shoestring budget

When you buy car insurance online, never sacrifice coverage to reduce premiums. In many instances, an insured dropped uninsured motorist or liability limits and found out when filing a claim that they should have had better coverage. Your objective should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

We covered a lot of ways to shop for 2013 Mercedes-Benz E-Class insurance online. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding inexpensive car insurance. Consumers may even find the biggest savings come from some of the lesser-known companies. Regional companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as State Farm or Progressive.

Additional detailed information can be found in these articles: