2009 Mercedes-Benz E-Class Insurance Rates

Looking for lower insurance rates for your Mercedes-Benz E-Class? Did a good deal turn out to be overpriced insurance? Believe me, many consumers feel financially strained by their insurance policy. Insurance companies such as State Farm, Geico and Farmers Insurance all promote huge savings with ads and it can be hard to separate fact from fiction and take the time to shop coverage around.

It’s a good idea to compare premium rates before your next renewal because insurance prices are usually higher with each renewal. Just because you had the best deal on E-Class coverage a few years ago you can probably find a better rate quote now. Ignore everything you know about insurance because you’re going to get a crash course in the things you must know in order to find lower rates on insurance.

The quickest way to compare insurance rates in your area takes advantage of the fact most insurance companies have advanced systems to give you rate quotes. All you need to do is give them rating details such as whether you are married, what your job is, your education level, and whether you have decent credit. Your information is instantly sent to all major companies and they provide comparison quotes instantly.

To start a rate quote now, click here and enter your coverage details.

Don’t assume everyone needs the same insurance coverage

When buying adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions could help you determine whether or not you could use an agent’s help.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when driving in Canada or Mexico?
  • Does car insurance cover theft of personal property?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Car insurance 101

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like surgery, doctor visits and hospital visits. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hail damage, damage from flooding and hitting a bird. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – This pays for damage to your E-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sideswiping another vehicle, crashing into a ditch, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability auto insurance – This provides protection from damage that occurs to other people or property that is your fault. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like pain and suffering, legal defense fees, loss of income, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.