Lower Your 2012 Mercedes-Benz E-Class Car Insurance Quotes

Looking for better insurance coverage rates for your Mercedes-Benz E-Class? High-priced insurance coverage can take a big chunk out of your savings account and force you to make sacrifices.

You have multiple car insurance companies to pick from, and even though it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

Locating the cheapest insurance is simple if you know the tricks. Essentially everyone who is required by state law to have insurance should be able to cut their insurance bill. Nevertheless, drivers should learn the way companies price online insurance.

How to buy auto insurance

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way to do it. You can waste hours talking about coverages with insurance companies in your area, or you can utilize the internet to get the quickest rates.

Most car insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each company returns a rated price based on the submitted data. This system prevents you from having to do form submissions to every company.

To get comparison pricing now click to open in new window.

The single downside to getting quotes like this is that you can’t choose the companies you want pricing from. So if you prefer to pick specific insurance companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but make sure you compare identical information for each comparison quote. If you enter different liability limits it will be impossible to determine which company has the best rates. Quoting even small variations in coverage limits could skew the results. Just remember that comparing more company’s prices will enable you to find lower pricing.

Start a Quote Now

Don’t miss these discounts

Some providers don’t always publicize every discount very well, so the next list breaks down both well-publicized as well as some of the hidden credits available to bring down your rates. If they aren’t giving you every credit you deserve, it’s possible you qualify for a lower rate.

Distant College Student Discount – Children who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
Discount for Home Ownership – Owning a home can earn you a little savings due to the fact that maintaining a home is proof that your finances are in order.
Senior Citizen Discount – If you’re over the age of 55, you can get a small decrease in premiums for E-Class coverage.
Defensive Driving Course – Taking a course teaching defensive driving skills may get you a small discount and easily recoup the cost of the course.
Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may have a lower total premium amount.
Student Discounts – Performing well in school may save as much as 25% on a insurance quote. The discount lasts up until you turn 25.
ABS and Traction Control Discounts – Cars and trucks equipped with ABS or steering control can avoid accidents and will save you 10% or more.
Telematics Discount – Drivers who elect to allow driving data collection to analyze driving patterns by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system may get a rate reduction if they exhibit good driving behavior.

Remember that most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because it seems like you can get free auto insurance, nobody gets a free ride.

A list of insurance companies and their possible discounts are included below.

The Hartford may include discounts for bundle, anti-theft, defensive driver, vehicle fuel type, and air bag.
American Family offers premium reductions for air bags, accident-free, early bird, good student, bundled insurance, and TimeAway discount.
Progressive offers discounts for multi-vehicle, good student, online quote discount, online signing, and multi-policy.
Travelers may offer discounts for good student, new car, student away at school, save driver, multi-car, and hybrid/electric vehicle.
Farmers Insurance may have discounts that include multi-car, good student, early shopping, homeowner, business and professional, and alternative fuel.
USAA discounts include safe driver, driver training, new vehicle, loyalty savings, vehicle storage, multi-policy, and annual mileage.
Liberty Mutual has discounts for newly married, teen driver discount, hybrid vehicle, preferred payment discount, newly retired, and safety features.

When comparing rates, check with every prospective company which discounts they offer. Some discounts listed above may not apply to policies in your area. For a list of insurers with discount rates, follow this link.

Special considerations

When it comes to choosing the best insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions may help highlight if you might need an agent’s assistance.

How high should my uninsured/underinsured coverage be in my state?
What is high-risk coverage and where do I buy it?
What vehicles should carry emergency assistance coverage?
Am I getting all the discounts available?
Does my medical payments coverage pay my health insurance deductible?
Why do I need rental car insurance?
Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Insurance coverage breakdown

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Collision insurance

Collision coverage covers damage to your E-Class resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, hitting a parking meter, crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like doctor visits, X-ray expenses, surgery and hospital visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverage

Liability coverage can cover damages or injuries you inflict on a person or their property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see 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 property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like pain and suffering, legal defense fees, medical services and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, hail damage, damage from a tornado or hurricane and fire damage. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits are identical to your policy’s liability coverage.