1996 Mercedes-Benz E-Class Insurance Quotes – 8 Tips for Cheapest Rates

Looking for cheaper insurance rates for your Mercedes-Benz E-Class? There isn’t anyone who likes buying insurance, in particular when they are paying too much.

Due to the fact that there are so many companies to choose from, it can be diffult for drivers to locate the lowest cost insurance company.

You should take the time to shop coverage around occasionally because prices change regularly. Even if you got the best quotes on E-Class insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the quickest way to reduce your cost while improving coverage.

Shopping for the cheapest auto insurance is easy if you know what you’re doing. Essentially every vehicle owner who has to buy auto insurance will be able to save money. But consumers can benefit from knowing how the larger insurance companies sell insurance online.

Insurance coverage policy discounts you can’t miss

Some providers don’t always advertise all possible discounts in a way that’s easy to find, so below is a list some of the more common as well as the least known credits that you can use to lower your rates.

  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Drivers Ed for Students – It’s a good idea to have your young drivers sucessfully take a drivers education course in school or through a local driver safety program.
  • Good Student Discount – Performing well in school may save as much as 25% on a insurance coverage quote. The discount lasts up to age 25.
  • Student in College – Children who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
  • Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a small discount on rates on E-Class insurance.
  • Renewal Discounts – Some insurance coverage companies reward drivers for buying a new policy before your current coverage expires. You could save around 10% when you buy insurance coverage online.
  • More Vehicles More Savings – Buying a policy with more than one vehicle with one company can get a discount for every vehicle.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.

We need to note that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Some of the insurance companies that possibly offer most of these discounts include:

When getting a coverage quote, ask each insurance company to give you their best rates. Some credits may not apply to policyholders in your area. To view insurance coverage companies that offer multiple discounts, click here.

Insurance agents can help

When it comes to choosing the right insurance coverage, there is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions can help discover whether your personal situation will benefit from professional help.

  • Where can I get insurance after a DUI in my state?
  • When can I cancel my policy?
  • Do I have coverage when using my vehicle for my home business?
  • When can my company non-renew my policy?
  • Can I get a multi-policy discount?
  • Do I need replacement cost coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance myths debunked

Insurance providers like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. All the ads have a common claim that drivers will save a bundle if you just switch to them. How is it possible that every company can give you a better price?

Insurance companies give the best rates for the right customer that will not have excessive claims. An example of a profitable insured could be between 25 and 40, has had continuous coverage, and has a short commute. Any driver who fits that profile may get the lowest car insurance rates and as a result will probably cut their rates substantially.

Potential customers who may not quite match the “perfect” profile will have to pay higher premiums which leads to the customer not buying. Company advertisements say “people that switch” not “everyone that quotes” save that kind of money. This is how insurance companies can confidently advertise the way they do.

That is why you absolutely need to compare quotes as often as possible. It’s not possible to predict which insurance company will have the lowest car insurance rates for your situation.

Learn about auto insurance coverages for a Mercedes-Benz E-Class

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, hitting a deer, vandalism, damage from a tornado or hurricane and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This coverage protects you from injuries or damage you cause to a person or their property in an accident. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers things like loss of income, bail bonds, emergency aid, legal defense fees and medical expenses. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your E-Class caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mercedes-Benz E-Class.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses for hospital visits, EMT expenses, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Don’t be a big spender

A few companies do not offer rates over the internet small insurance companies provide coverage only through independent agencies. Cheap 1996 Mercedes-Benz E-Class insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability coverage limits only to discover later that the small savings ended up costing them much more. Your goal is to get the best coverage possible at the best possible price.

More detailed insurance information is located by following these links: