Compare 2010 Mercedes-Benz E-Class Car Insurance Quotes

Searching for the cheapest auto insurance rates for your Mercedes-Benz E-Class? Are you drained from not being able to afford each month for auto insurance? You are no different than most other drivers. Popular companies such as State Farm, Farmers Insurance, Geico and Allstate continually bombard you with catchy ads and it is difficult to see past the corporate glitz and find the best price available.

Insurance Coverage Discounts

Auto insurance companies don’t necessarily list the complete list of policy discounts very well, so the following is a list of both well-publicized as well as some of the hidden discounts that you may qualify for.

  • New Vehicle Savings – Buying insurance on a new vehicle can get you a discount compared to insuring an older model.
  • Club Memberships – Joining a professional or civic organization may earn a discount when getting a insurance coverage quote.
  • Student Discount for Driver Training – Teen drivers should sucessfully take a drivers education course as it will make them better drivers and lower rates.
  • Life Insurance – Select companies reward you with better insurance coveragerates if you take out some life insurance too.
  • Anti-theft System – Vehicles with anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Telematics Discount – Insureds that choose to allow their insurance company to study driving manner by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they show good driving skills.
  • Discount for Low Mileage – Keeping the miles down on your Mercedes-Benz may allow you to get cheaper insurance coveragerates.

Discounts lower rates, but most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like all those discounts means the company will pay you, it doesn’t quite work that way.

A few of the larger companies and their offered discounts are:

  • Progressive may include discounts for multi-policy, online quote discount, good student, continuous coverage, online signing, and multi-vehicle.
  • Geico offers discounts for defensive driver, anti-lock brakes, good student, membership and employees, anti-theft, federal employee, and military active duty.
  • State Farm offers premium reductions for Steer Clear safe driver discount, anti-theft, accident-free, driver’s education, and Drive Safe & Save.
  • Esurance may offer discounts for defensive driver, anti-lock brakes, multi-policy, Switch & Save, DriveSense, anti-theft, and emergency road assistance.
  • The Hartford has savings for air bag, driver training, vehicle fuel type, good student, and bundle.

If you need lower rates, check with each company the best way to save money. Some discounts may not apply to policyholders everywhere.

Buy insurance coverage online

Finding low cost insurance coverage quotes can be surprisingly simple. The only requirement is to invest a little time to compare free insurance coverage quotes to see which company has cheap insurance coverage quotes. It’s super easy and can be done in just a few minutes using one of these methods.

  1. The easiest and least time consuming way consumers can analyze rates is a comparison rater form like this one (opens in new window). This quick form keeps you from doing repetitive form entry for each price estimate. A single, simple form will get you price quotes from insurance coverage companies with the best prices.
  2. A slightly less efficient method to analyze rates requires a trip to the website of each company and fill out a new quote form. For examples sake, let’s say you want to compare Allstate, State Farm and Progressive. In order to compare rates, you need to navigate to each company’s site and repeatedly enter your information, which is not fast way to get rate quotes. For a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage information with each company. If you use different values for each quote it’s not possible to determine which rate is truly the best.

Insurance cost influencing factors

An important part of buying insurance is that you know some of the elements that play a part in calculating your policy premiums. When you understand what positively or negatively impacts your premiums, this allows you to make educated decisions that could result in cheaper rates. Many different elements are part of the equation when pricing auto insurance. Some of the criteria are obvious like a motor vehicle report, although others are less obvious such as your credit history or how financially stable you are.

The list below includes just a few of the factors used by companies to determine prices.

  • How your age affects rates – Mature drivers have been proven to be more responsible, tend to file fewer claims and get fewer tickets.Youthful drivers have a tendency to be inattentive when behind the wheel therefore insurance rates are much higher.
  • Do you know you’re credit score? – Your credit history factor in calculating your insurance rates. So if your credit rating leaves room for improvement, you could pay less to insure your 2010 Mercedes-Benz E-Class by spending a little time repairing your credit. People that have high credit scores tend to file fewer claims and have better driving records than drivers who have poor credit scores.
  • Liability coverage claims can be big – The liability section of your policy provides coverage if you are found to be at fault for personal injury or accident damage. This coverage provides for a legal defense to defend your case. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Multi-policy discounts can save money – Most insurance companies allow discounts to buyers who consolidate policies with them such as combining an auto and homeowners policy. Even with this discount applied, consumers should still get quotes from other companies to guarantee you are still saving the most. You may still save even more than the discount by buying insurance from more than one company.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether you might need an agent’s assistance.

  • How much liability coverage do I need in my state?
  • How can I get my company to pay me more for my totalled car?
  • Do I need more liability coverage?
  • Does insurance cover tools stolen from my truck?
  • Should I put collision coverage on all my vehicles?
  • Am I covered if I crash into my own garage door?
  • What is an SR-22 filing?
  • What can I do if my company won’t pay a claim?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages for a Mercedes-Benz E-Class

Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Comprehensive insurance

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, damage from flooding and damage from getting keyed. The maximum payout your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like X-ray expenses, funeral costs, doctor visits and prosthetic devices. They are used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

This will pay to fix damage to your E-Class caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, scraping a guard rail, crashing into a building, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz E-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Liability

This will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as medical services, bail bonds, structural damage, loss of income and pain and suffering. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage on a shoestring budget

We’ve covered many ways to save on 2010 Mercedes-Benz E-Class insurance. The key concept to understand is the more quotes you get, the higher your chance of finding cheap insurance coverage. You may even discover the lowest rates are with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

More affordable auto insurance can be found from both online companies as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies do not provide the ability to get quotes online and most of the time these regional carriers sell through independent agents.

When searching for inexpensive insurance coverage quotes, don’t be tempted to buy less coverage just to save a little money. There have been many situations where an insured cut liability limits or collision coverage only to regret at claim time that the small savings ended up costing them much more. Your aim should be to buy a smart amount of coverage at the lowest possible cost and still be able to protect your assets.

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