View 2011 Mercedes-Benz E-Class Car Insurance Rates

Looking for better car insurance rates for your Mercedes-Benz E-Class? Locating budget car insurance might appear intimidating for vehicle owners who are new to online price comparisons. With so many options of insurance companies available, how can you be able to compare every company to locate the best available price?

Smart consumers take time to price shop coverage before your policy renews since prices tend to go up over time. Even if you got the best deal on E-Class insurance last year other companies may now be cheaper. Ignore everything you know about car insurance because you’re going to get a crash course in the fastest and easiest way to find lower rates on car insurance.

If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using this strategy. Buying cheaper coverage is easy if you know what you’re doing. Nevertheless, consumers do need to understand how the larger insurance companies sell online.

Auto insurance quotes comparison

Effectively comparing auto insurance prices can be a daunting task if you don’t understand the easiest way. You could waste a few hours talking about coverages with insurance agencies in your area, or you can stay home and use the internet to quickly compare rates.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit their information once, and every company returns a rated price based on the submitted data. This system prevents you from having to do quote forms for each company.

To enter your information into the quoting system, click here to start a free quote.

The single downside to pricing coverage this way is buyers cannot specifically choose the companies you will receive quotes from. If you wish to select from a list of companies to compare prices, we have a listing of companies who write auto insurance in your area. Click here to view list.

Compare rates however you want, just compare apples-to-apples coverage limits and deductibles for each quote you get. If you use higher or lower deductibles you will not be able to find the best deal for your Mercedes-Benz E-Class. Just slight variations in insurance coverages could skew the results. Just keep in mind that making a lot of price comparisons will enable you to find better pricing. Not every company allows you to get quotes online, so it’s necessary to compare price quotes from those companies as well.

Get cheaper rates by taking advantage of discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time of purchase, but a few need to be specially asked for in order for you to get them.

  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course in school.
  • Life Insurance Discount – Some car insurance companies give a small discount if you purchase some life insurance in addition to your auto policy.
  • Federal Government Employee – Employees or retirees of the government may qualify for a discount when you quote insurance on E-Class insurance with certain companies.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower car insurance rates.
  • Defensive Driver Discount – Taking time to complete a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Policy Bundle Discount – If you can combine your auto and homeowners policy with the same insurance company they may give you a discount of 10% to 20% off each policy.

We need to note that most discount credits are not given to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride.

A list of car insurance companies and a partial list of their discounts are outlined below.

  • Progressive includes discounts for homeowner, multi-policy, multi-vehicle, online quote discount, and good student.
  • Farmers Insurance offers discounts including homeowner, mature driver, multi-car, good student, switch companies, and teen driver.
  • Farm Bureau may include discounts for driver training, good student, multi-vehicle, 55 and retired, and safe driver.
  • State Farm policyholders can earn discounts including multiple autos, safe vehicle, passive restraint, multiple policy, driver’s education, and student away at school.
  • Geico discounts include multi-policy, seat belt use, air bags, federal employee, defensive driver, membership and employees, and military active duty.
  • SAFECO offers discounts for accident prevention training, teen safety rewards, anti-lock brakes, multi-car, safe driver, and homeowner.
  • Liberty Mutual offers premium reductions for teen driver discount, newly married, preferred payment discount, multi-car, new vehicle discount, new move discount, and new graduate.

Before purchasing a policy, check with all the companies the best way to save money. All car insurance discounts may not apply in every state.

How much auto insurance do I need?

When it comes to choosing coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation might need an agent’s assistance.

  • Can I still get insurance after a DUI?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is my cargo covered for damage or theft?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I buy a commercial auto policy?
  • Am I better off with higher deductibles on my 2011 Mercedes-Benz E-Class?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Seven things that impact your insurance costs

When buying insurance it’s important to understand some of the elements that help determine insurance rates. When consumers understand what impacts premium levels, this helps enable you to make changes that can help you get cheaper rates. Lots of things are part of the calculation when quoting car insurance. A few of the factors are predictable like your driving record, although some other factors are less apparent such as your credit history or how safe your car is.

  • Cars with good safety ratings save money – Cars with five star safety ratings are cheaper to insure. Highly rated vehicles reduce occupant injuries and fewer injuries translates directly to fewer claims and cheaper rates on your policy.
  • Car insurance liability limits – The liability coverage on your policy kicks in in the event that a court rules you are at fault for damages from an accident. It provides legal defense which can cost thousands of dollars. Liability insurance is pretty cheap compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Cars with good safety ratings that lower prices – Choosing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.
  • Drive less and save – Driving a lot of miles in a year’s time the more you’ll pay to insure it. Most insurance companies charge rates based upon how the vehicle is primarily used. Autos that have low annual miles can be on a lower rate level than cars that get driven a lot. Double check that your insurance coverage states how each vehicle is driven, because it can save money. A policy that improperly rates your E-Class is just wasting money.
  • When should you file a policy claims? – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies provide better rates to policyholders who file claims infrequently. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Pay more out-of-pocket – The deductibles are how much you are willing to pay if the claim is covered. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some coverage claims are collision with another vehicle, fire damage, and damage from wind. The more the insured is willing to pay, the less your company will charge you for insurance on E-Class insurance.
  • Insurance rates and your employer – Careers like lawyersair traffic controllers and dentists are shown to have higher rates than the rest of us because of high stress and lots of time spent away from family. On the other hand, professions such as professors, students and homemakers get better rates on E-Class insurance.

Insurance coverage buyers beware

Popular insurance coverage providers such as Progressive, Allstate and Geico regularly use television, radio, and online ads. They all convey the message about how much you will save if you change to their company. How does every company cost less than your current company? It’s all in how they say it.

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For example, this type of insured may need to be over the age of 50, has few claims, and chooses high deductibles. Any new insured that meets those criteria will get very good prices and will most likely save some money.

Consumers who cannot meet the “perfect” profile will probably have to pay higher prices which leads to the customer not buying. The wording the ads use say “people who switch” but not “all drivers who get quotes” will save that much if they switch. That is how companies can truthfully make those claims.

Because of these techniques, you really should quote coverage with many companies. It is impossible to predict which company will fit your personal profile best.

Car insurance coverage breakdown

Understanding the coverages of a car insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Collision coverage protection

Collision insurance pays for damage to your E-Class resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like damaging your car on a curb, backing into a parked car and hitting a parking meter. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability

This coverage will cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as funeral expenses, attorney fees, legal defense fees and medical services. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for X-ray expenses, ambulance fees and prosthetic devices. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, hail damage and theft. The highest amount you’ll receive from a 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.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

One last thing about your coverage

In this article, we covered a lot of tips how to lower your 2011 Mercedes-Benz E-Class insurance rates. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. Drivers may discover the best rates are with a small local company.

Budget-friendly auto insurance can be purchased on the web and with local insurance agents, so get free insurance quotes from both of them to get a complete price analysis. Some companies may not have the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Insureds switch companies for many reasons like policy non-renewal, extreme rates for teen drivers, policy cancellation and even not issuing a premium refund. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

Additional information