2017 Mercedes-Benz E-Class Insurance Cost – 5 Policy Discounts

Looking for the cheapest car insurance rates for your Mercedes-Benz E-Class? Trying to find low cost Driverscar insurance can seem to be very difficult for drivers new to comparing prices online. Drivers have so many choices that it can turn into a lot of work to locate the lowest rates.

Buying car insurance is not that difficult. Essentially every driver who carries car insurance should be able to cut their insurance bill. But car owners should learn how the larger insurance companies market insurance on the web and use this information to your advantage.

The cheapest auto insurance price quotes online

Many insurance companies allow you to get coverage price quotes from their websites. Getting quotes is quite easy because you just enter your required coverages into the form. After the form is submitted, the company’s rating system makes automated requests for your driving and credit reports and returns pricing information based on these factors.

Online quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively fill out multiple forms can get tiresome after awhile. But it’s necessary to perform this step in order to find a lower rate.

Rate comparisons made easy

An easier way to compare auto insurance pricing uses just one form to return rates from many companies. It saves time, eliminates form submissions, and makes comparison shopping much easier. Once the form is submitted, it is quoted and you are able to buy any or none of the resulting price quotes. If one or more price quotes are lower than your current rates, you can click and sign and purchase the new policy. This process only takes a few minutes and you will know how your current rates stack up.

If you want to compare rates now, click here and input your coverage information. If you currently have coverage, we recommend you complete the form with the limits and deductibles exactly as they are listed on your policy. This ensures you are getting an apples-to-apples comparison using the same coverage and limits.

Car insurance policy discounts you can’t miss

Car insurance is neither fun to buy or cheap, but there may be some discounts that can dramatically reduce your bill. Certain discounts will be applied when you complete an application, but some discounts are required to be specially asked for prior to receiving the credit.

• Bundled Policy Discount – When you combine your homeowners and auto insurance with one company they may give you a discount of up to 20% and get you cheap auto insurance.
• Save over 55 – Older drivers may be able to get better car insurance rates on E-Class insurance.
• Drive Less and Save – Maintaining low annual mileage could earn cheaper rates.
• Homeowners Savings – Owning a house can earn you a little savings since owning and maintaining a home means you have a higher level of financial diligence.
• Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

You should keep in mind that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

To choose providers with the best discounts, click here to view.

Insurance agents can help

When it comes to choosing proper insurance coverage, there really is not a perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight if your insurance needs might need professional guidance.

• What is the rate difference between pleasure use and commuting?
• Is there coverage for injuries to my pets?
• Do I need roadside assistance coverage?
• How high should my uninsured/underinsured coverage be in my state?
• Do I have coverage for damage caused while driving under the influence?
• How much underlying liability do I need for an umbrella policy?
• How do I file an SR-22 for a DUI in my state?
• Do I have coverage when making deliveries for my home business?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance coverage specifics

Understanding the coverages of insurance aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for ambulance fees, pain medications and hospital visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

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 rock chips in glass, theft, hitting a deer, vandalism and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance – This coverage protects you from damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like structural damage, bail bonds and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision insurance covers damage to your E-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as colliding with another moving vehicle, rolling your car, crashing into a ditch, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.