Cheap 2004 Mercedes-Benz E-Class Insurance Quotes

Scraping up a payment for expensive Mercedes-Benz E-Class insurance can bleed your monthly budget and possibly require you to analyze your spending habits. Shopping your coverage around can help to make sure you’re not throwing money away.

Because there are so many companies to choose from, it’s nearly impossible to choose the lowest price company.

Cheapest insurance quotes

Most major insurance companies make it easy to get prices directly from their websites. This process is pretty painless as all you need to do is type in the coverage amounts you desire as detailed in the form. After you submit the form the company’s rating system orders reports for credit and driving violations and generates pricing information. Quoting online makes it a lot easier to compare rates but the process of having to visit several different sites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to do this in order to find lower prices.

There is a better way!

A more efficient way to locate the lowest prices uses one simple form to get prices from multiple companies. This type of form saves time, reduces the work, and makes quoting online a little more enjoyable. As soon as you send your information, your coverage is rated and you can select your choice of the quote results.

If a lower price is quoted, you simply finish the application and purchase coverage. The whole process takes 15 minutes at the most and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you duplicate the insurance coverages as shown on your current policy. This helps ensure you will get a rate comparison based on identical coverages.

More affordable rates by taking advantage of discounts

Insurance is easily one of your largest bills, but you may find discounts to cut the cost considerably. Certain discounts will be applied at the time of quoting, but some discounts are required to be inquired about before being credited.

  • Save with a New Car – Buying a new car model is cheaper because new model year vehicles are generally safer.
  • Federal Government Employee – Having worked for a branch of the government can save as much as 8% for E-Class coverage depending on your insurance provider.
  • Paper-free Discount – A handful of insurance companies provide a small discount just for signing your application online.
  • One Accident Forgiven – Not really a discount, but some insurance companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims before the accident.
  • Multi-line Discount – Larger insurance companies have lower rates if you buy some life insurance too.
  • Safety Course Discount – Taking part in a class that teaches driver safety techniques could possibly earn you a 5% discount and make you a better driver.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save a little off the personal injury premium cost.
  • ABS Brakes – Cars with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Accident-Free Discounts – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison with drivers with a long claim history.

As a sidenote, most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like you could get a free insurance policy, it just doesn’t work that way.

Auto insurance companies that may have these discounts include:

If you are trying to find low cost insurance quotes, ask every company which discounts they offer. Some discounts listed above may not be offered in every state. If you would like to view insurance companies that offer multiple discounts, click here.

How much insurance do I need?

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation would benefit from an agent’s advice.

  • Should I buy only the required minimum liability coverage?
  • How does medical payments coverage work?
  • Does liability extend to a camper or trailer?
  • Do I have coverage when using my vehicle for my home business?
  • Is extra glass coverage worth it?
  • What is the ISO rating for a 2004 Mercedes-Benz E-Class?
  • Can I drive in Mexico and have coverage?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage options for a 2004 Mercedes-Benz E-Class

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Liability insurance

This will cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like medical expenses, court costs, legal defense fees and repair bills for other people’s vehicles. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, prosthetic devices, dental work and EMT expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, a broken windshield, damage from a tornado or hurricane and damage from flooding. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2004 Mercedes-Benz E-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally these limits are set the same as your liablity limits.

Collision insurance

Collision coverage covers damage to your E-Class caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a building, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.