2014 Mercedes-Benz E-Class Car Insurance Quotes

Searching for better insurance prices for a Mercedes-Benz E-Class can be a lot of work, but you can follow these tips and make it easy.

There is a right way and a wrong way to compare insurance rates so we’re going to tell you the quickest way to get price quotes for a Mercedes-Benz and obtain the lowest possible price.

Shopping for the cheapest car insurance coverage is not that difficult. If you have a current car insurance policy or are just looking to switch companies, you can learn to find better prices and still get good coverage. Vehicle owners only need to know the best way to shop for car insurance on the web.

Auto insurance discounts help cut rates

Companies offering auto insurance don’t always advertise every policy discount in an easy-to-find place, so below is a list some of the best known and also the lesser-known discounts that you may qualify for.

  • Membership in Organizations – Belonging to certain professional organizations could earn you a nice discount on your next renewal.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • New Car Discount – Buying a new car instead of a used car is cheaper since newer vehicles have better safety ratings.
  • Accident Waiver – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident without getting socked with a rate hike with the catch being you have to be claim-free before the accident.
  • Save over 55 – Mature drivers can get a small discount on rates for E-Class insurance.
  • Driver Training Discounts – Taking a defensive driver course could earn you a small percentage discount and make you a better driver.
  • Student Discount for Driver Training – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, you’re out of luck. Any amount of discount will definitely reduce your overall premium however.

The best auto insurance companies and a selection of discounts are detailed below.

  • State Farm offers discounts including multiple policy, accident-free, good driver, safe vehicle, passive restraint, and Steer Clear safe driver discount.
  • Nationwide has savings for multi-policy, defensive driving, anti-theft, good student, and easy pay.
  • GEICO offers premium reductions for good student, anti-theft, daytime running lights, air bags, and multi-vehicle.
  • AAA offers discounts for anti-theft, AAA membership discount, good student, multi-policy, and pay-in-full.
  • 21st Century has discounts for automatic seat belts, early bird, good student, theft prevention, anti-lock brakes, teen driver, and driver training.
  • The Hartford may have discounts that include defensive driver, bundle, air bag, good student, and vehicle fuel type.

Before buying, ask every insurance company how you can save money. Some credits might not be offered on policies everywhere. For a list of providers with the best discounts, click here.

Which is the best auto insurance?

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions might help in determining if your situation will benefit from professional help.

  • Does my insurance cover my expensive audio equipment?
  • What is medical payments coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is my teen driver covered when they drive my company car?
  • Should I buy more coverage than the required minimum liability coverage?
  • Why do I only qualify for high-risk insurance?
  • Do I need PIP (personal injury protection) coverage in my state?
  • When would I need additional glass coverage?

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. It is quick, free and may give you better protection.

Save $406 a year? Really?

Drivers can’t ignore all the ads that promise big savings for switching by Allstate, GEICO and Progressive. All the ads say the same thing that drivers can save some big amount if you move your insurance policy to them.

How is it possible that every company can have lower policy pricing? It’s all in the wording.

Insurance providers give the cheapest rates for the right customer that will generate a profit. One example of a profitable risk profile could possibly be between 25 and 40, carries full coverage, and drives a vehicle with a low ISO rating. A customer who matches that profile will qualify for the lowest premium rates and will most likely pay quite a bit less when switching companies.

Potential customers who do not fit the “perfect” profile will probably be forced to pay a more expensive rate which leads to the customer buying from someone else. The wording the ads use say “people that switch” but not “all drivers who get quotes” save the amount stated. That’s why insurance companies can confidently lure you into getting a quote.

This really emphasizes why it is so important to compare many company’s rates. It’s just not possible to know with any certainty which company will have the best prices at this point in time.

Auto insurance coverage information

Having a good grasp of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability coverages

This coverage protects you from damage or injury you incur to other people or property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as emergency aid, repair costs for stationary objects, medical services, court costs and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying higher limits if possible.

Collision coverage

This coverage pays for damage to your E-Class resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as 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. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for bills for chiropractic care, nursing services, EMT expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, vandalism, fire damage and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

More comparisons equals lower rates

In this article, we presented a lot of ways to get a better price on 2014 Mercedes-Benz E-Class insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding low cost insurance. Drivers may discover the biggest savings come from a lesser-known regional company.

Budget-friendly car insurance can be bought online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not offer online quoting and usually these regional insurance providers only sell coverage through local independent agents.

Consumers leave their current company for a number of reasons such as policy cancellation, high rates after DUI convictions, unfair underwriting practices and policy non-renewal. It doesn’t matter why you want to switch finding the right car insurance provider can be less work than you think.

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