View 2006 Mercedes-Benz E-Class Insurance Quotes

Looking for the cheapest insurance rates for your Mercedes-Benz E-Class? Are you burned out from being strong-armed to pay high insurance rates every month? Your situation is no different than most other vehicle owners. You have multiple insurance companies to pick from, and although it’s a good thing to have a selection, too many choices makes it more difficult to get the best deal.

It’s a good habit to price shop coverage occasionally because prices are variable and change quite frequently. If you had the lowest rates for E-Class insurance a few years ago you may be paying too much now. Block out anything you think you know about insurance because I’m going to teach you the best methods to save on insurance.

Buying car insurance is quite easy. If you are paying for car insurance now, you will be able to save some money using these tips. Drivers only need to know the most effective way to compare rates on the web.

Take policy discounts and save

Insurance can be pricey, but discounts can save money and there are some available that can help lower your rates. Some discounts will apply when you complete an application, but some must be specially asked for prior to getting the savings.

  • Good Students Pay Less – Excelling in school may save you up to 25%. Earning this discount can benefit you well after school through age 25.
  • Distant College Student Discount – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car could get you a discount.
  • Service Members Pay Less – Being on active deployment in the military could be rewarded with lower insurance rates.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for lower prices due to less chance of an accident.
  • Theft Prevention System – Vehicles optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% for E-Class insurance but check with your company.
  • Early Renewal Discounts – A few companies give discounts for signing up before your current coverage expires. This can save 10% or more.
  • Mature Driver Discount – If you’re over the age of 55, you are able to get a discount up to 10% for E-Class insurance.

Don’t be shocked that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like you could get a free insurance policy, it just doesn’t work that way.

Popular insurance companies and a summarized list of policyholder discounts include:

  • State Farm discounts include anti-theft, Drive Safe & Save, good driver, Steer Clear safe driver discount, multiple autos, safe vehicle, and passive restraint.
  • Farmers Insurance includes discounts for mature driver, electronic funds transfer, bundle discounts, homeowner, and business and professional.
  • Geico may include discounts for anti-theft, anti-lock brakes, multi-vehicle, five-year accident-free, defensive driver, federal employee, and daytime running lights.
  • American Family offers discounts including good student, bundled insurance, early bird, defensive driver, good driver, and air bags.
  • Nationwide may offer discounts for good student, anti-theft, business or organization, defensive driving, multi-policy, easy pay, and Farm Bureau membership.
  • Progressive offers premium reductions for multi-vehicle, good student, homeowner, continuous coverage, online signing, online quote discount, and multi-policy.

If you need cheap insurance coverage quotes, ask every insurance company what discounts are available to you. Some of the discounts discussed earlier may not apply to policies in your state. To see a list of companies who offer discounts, click here to view.

Which policy gives me the best coverage?

When buying the right insurance coverage, there is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • What if I owe more than I can insure my car for?
  • Does my 2006 Mercedes-Benz E-Class qualify for pleasure use?
  • How can I force my company to pay a claim?
  • How do I file an SR-22 for a DUI in my state?
  • Am I missing any policy discounts?
  • How much liability coverage do I need in my state?
  • What is no-fault insurance?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Insurance buyers beware

Consumers can’t ignore all the ads for the lowest price insurance by companies like 21st Century, Allstate and State Farm. All the ads convey the message that people will save just by moving your coverage to them.

Is it even possible that every company can charge you less for car insurance? Here is how they do it.

Insurance providers quote the lowest rates for the type of customer that makes them money. One example of a profitable risk profile could possibly be between 30 and 50, owns a home, and the vehicle is rated for pleasure use. Anyone who fits that profile will get very good car insurance rates and will probably save a lot if they switch.

Insureds who cannot meet those standards will probably have to pay higher prices and ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s why companies can make claims that they all have the best premium rates. This really illustrates why it is so important to do a quote comparison often. It’s impossible to know the company that will have the lowest car insurance rates for your situation.

Insurance specifics

Learning about specific coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on the average insurance policy.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hail damage, falling objects, vandalism and rock chips in glass. The most your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz E-Class.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for expenses like EMT expenses, nursing services and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, sustaining damage from a pot hole, colliding with a tree and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Coverage for liability

This will cover damages or injuries you inflict on other people or property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, legal defense fees, emergency aid, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Find Good Coverage for Less

When you buy insurance coverage online, it’s very important that you do not sacrifice coverage to reduce premiums. In many cases, someone dropped full coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.

Cheaper insurance coverage can be purchased on the web and with local insurance agents, and you need to price shop both to get a complete price analysis. Some companies may not offer price quotes online and usually these smaller providers sell through independent insurance agencies.

To learn more, take a look at the resources below: