Compare 1999 Mercedes-Benz E-Class Insurance Rates

Consumers have many options when looking for affordable Mercedes-Benz E-Class insurance. They can either waste time driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a better way to buy car insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Mercedes-Benz and obtain the best price possible from local insurance agents and online providers.

Consumers should take time to take a look at other company’s rates quite often because rates are usually higher with each renewal. Even if you got the best deal on E-Class insurance two years ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because I’m going to teach you how to use online quotes to save money, get proper coverage and the best rates.

Learn how to buy car insurance for less

Many factors are considered when quoting car insurance. Most are fairly basic such as your driving record, although some other factors are not as apparent such as your marital status and annual miles driven.A large part of saving on car insurance is knowing the rating factors that are used to determine the price you pay for car insurance. When consumers understand what determines premiums, this allows you to make good choices that can earn you lower premium levels.

The itemized list below are just a few of the factors used by your company to calculate premiums.

  • Younger drivers pay higher costs – Mature drivers are more cautious drivers, tend to cause fewer accidents and get fewer tickets.Youthful drivers are known to be less responsible when behind the wheel so car insurance rates are higher.
  • High insurance claims frequency drives up rates – Car insurance companies generally give the lowest premiums to insureds that do not abuse their auto insurance. If you’re an insured who likes to file claims you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for claims that you cannot pay yourself.
  • Low credit history equals high rates – Having a good credit rating is a big factor in calculating your car insurance rates. People with excellent credit tend to be better risks to insure than those with poor credit scores. If your credit history is not that good, you may save money insuring your 1999 Mercedes-Benz E-Class by improving your credit score.
  • Allowing your policy to lapse raises rates – Not having insurance is a misdemeanor and your next policy will cost more because you let your insurance expire. In addition to paying higher rates, the inability to provide proof of insurance may result in a steep fine or even jail time. You will then be forced to prove you have insurance by filing a SR-22 with your state department of motor vehicles.
  • Your liability protection limits – The liability coverage on your policy is the protection in the event that you are found to be at fault for damages caused by your negligence. This coverage provides legal defense coverage to defend your case. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Avoid tickets and save – Whether or not you get tickets influences premium rates substantially. Careful drivers pay lower auto insurance prices compared to drivers with tickets. Getting just one speeding ticket or other violation could increase your next policy renewal by as much as twenty percent. Drivers who have severe citations like DUI or willful reckless driving may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to keep their license.
  • Extra coverages you don’t need – Policies have optional add-on coverages you can purchase if you aren’t diligent. Things like coverage for rental cars, towing, and extra life insurance coverage are examples of these. You may think they are a good idea when deciding what coverages you need, but your money might be better spent on other coverage so remove them from your policy.

Cheap insurance price quotes online

There are a lot of ways you can shop for insurance but some are easier and takes less work. You could spend your day discussing policy coverages with local insurance agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Many of the larger companies belong to an insurance system where prospective buyers only type in their quote data once, and every company can provide price quotes for coverage. This eliminates the need for form submissions for each company you want a rate for. To fill out one form to compare multiple rates now click here (opens in new window).

The only downside to getting quotes like this is you are unable to specify which companies you want pricing from. So if you prefer to choose specific insurance companies to compare, we put together a list of insurance companies in your area. Click to view list.

However you get your quotes, be sure you’re using exactly the same deductibles and coverage limits for each quote you get. If each company quotes differing limits it’s impossible to determine the lowest rate for your Mercedes-Benz E-Class.

Do insurance companies bend the truth?

Drivers can’t get away from all the ads that claim the lowest rates from the likes of Allstate, Geico and Progressive. All the companies state the claim that drivers will save a bundle after switching to them.

How does every company give you a lower rate? It’s all in the wording.

Many companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk could be a mature driver, has a clear driving record, and has great credit. Anybody who matches that profile will qualify for the lowest rates and most likely will save a lot if they switch.

Insureds who may not quite match these stringent criteria will be charged a more expensive rate and this can result in the prospect going elsewhere. If you listen closely, the ads state “drivers that switch” but not “all drivers who get quotes” save that much when switching. This is how insurance companies can advertise the way they do. That is why drivers should get car insurance quotes as often as possible. It is impossible to guess which insurance company will have the best premium rates at this point in time.

Do you qualify for discount insurance coverage?

Companies that sell car insurance don’t always list all available discounts very well, so the following is a list of a few of the more common as well as some of the hidden discounts that may be available.

  • Multi-car Discount – Purchasing coverage when you have more than one vehicle with the same insurance coverage company could earn a price break for each car.
  • Discount for Low Mileage – Keeping the miles down on your Mercedes-Benz can earn slightly better rates than normal.
  • Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
  • Save with a New Car – Putting insurance coverage coverage on a new car is cheaper compared to insuring an older model.
  • Telematics Data Discounts – Insureds who allow driving data collection to monitor driving patterns by installing a telematics device such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.
  • Lower Rates for Military – Being deployed with a military unit could trigger a small discount.
  • Anti-lock Brake System – Cars and trucks with ABS braking systems or traction control are safer to drive and the ABS can save up to 10%.
  • Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their car insurance quote on E-Class insurance compared to accident prone drivers.
  • Discount for Multiple Policies – If you can bundle your auto and homeowners insurance and insure them with the same company you could get a discount of over 10 percent off each policy depending on the company.
  • E-sign Discounts – Many larger companies will give a small break shop car insurance online.

You can save money using discounts, but most discount credits are not given to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, it doesn’t quite work that way. But any discount will definitely lower your policy premiums.

Larger insurance coverage companies and their possible discounts are:

  • 21st Century includes discounts for driver training, anti-lock brakes, defensive driver, student driver, and teen driver.
  • State Farm policyholders can earn discounts including anti-theft, accident-free, passive restraint, safe vehicle, driver’s education, and student away at school.
  • AAA may have discounts that include education and occupation, multi-policy, pay-in-full, anti-theft, AAA membership discount, good student, and good driver.
  • Liberty Mutual offers discounts for multi-car, good student, teen driver discount, new vehicle discount, and newly married.
  • Progressive discounts include good student, continuous coverage, multi-vehicle, online quote discount, and multi-policy.

When getting a coverage quote, ask each insurance company to apply every possible discount. All car insurance discounts might not be offered in your state. To choose insurance coverage companies with significant discounts, follow this link.

What insurance coverages do I need?

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions might point out whether or not you might need an agent’s assistance.

  • Do I need special endorsements for business use of my vehicle?
  • What is the minimum liability in my state?
  • What is the difference between comprehensive and collision coverage?
  • Is motorclub coverage worth it?
  • What is an SR-22 filing?
  • Does my insurance cover a custom paint job?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Educate yourself about insurance coverages

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, damage from flooding and rock chips in glass. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like prosthetic devices, X-ray expenses, doctor visits and hospital visits. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability insurance – This coverage protects you from damage or injury you incur to a person or their property. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for things such as loss of income, emergency aid, bail bonds, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford.

UM/UIM Coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your 1999 Mercedes-Benz E-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverages – Collision insurance pays for damage to your E-Class from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle, backing into a parked car, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

More quotes. Lower rates.

People switch companies for any number of reasons including policy non-renewal, poor customer service, delays in responding to claim requests or even denial of a claim. Regardless of your reason, choosing a new insurance company is less work than it seems.

Cost effective 1999 Mercedes-Benz E-Class insurance is definitely available online and from local agencies, so get free car insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not provide rate quotes online and many times these regional carriers provide coverage only through local independent agents.

You just read some good ideas how you can shop for 1999 Mercedes-Benz E-Class insurance online. The key thing to remember is the more rate quotes you have, the better your chances of lowering your car insurance rates. Consumers may even find the best rates are with the least-expected company.

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