How Much Does 2014 Mercedes-Benz E-Class Insurance Cost?

Using the web to shop for car insurance quotes online may seem to be difficult if you are someone who has never done online insurance quotes. Don’t let that stop you because finding lower rates is easier than you think.

It is always a good idea to check insurance prices periodically because insurance rates trend upward over time. Just because you found the best deal on E-Class insurance last year a different company probably has better prices today. Don’t believe everything you read about insurance online but you can learn some of the best ways to reduce your insurance bill.

Finding affordable coverage is quite easy. Essentially every driver who has to buy insurance coverage will be able to reduce their rates. Although drivers benefit from understanding how big insurance companies sell online and take advantage of how the system works.

Do you qualify for discounts?

Companies don’t list all available discounts in a way that’s easy to find, so below is a list some of the best known as well as some of the hidden ways to save on insurance. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

  • Discount for Swiching Early – Some companies reward drivers for renewing your policy prior to your current policy expiring. This can save 10% or more.
  • Active Service Discounts – Having a family member in the military may qualify for rate reductions.
  • Own a Home and Save – Owning a house can get you a discount due to the fact that maintaining a home demonstrates responsibility.
  • Student Driver Training – Have your child sucessfully take a drivers education course in high school.
  • Accident Forgiveness – This isn’t a discount exactly, but companies like Geico, State Farm, and Progressive permit an accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Low Mileage Discounts – Driving less may enable drivers to earn cheaper prices.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less since newer vehicles have better safety ratings.

Don’t be shocked that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies that may have most of the discounts above possibly include:

It’s a good idea to ask every prospective company to apply every possible discount. Depending on the company, some discounts may not apply to policies everywhere. To choose insurance companies that offer many of these discounts, click here.

Buy car insurance online

When shopping for cheap car insurance quotes, there are a couple of ways to obtain and compare prices from different companies. The fastest way to compare rates consists of shopping online. This can be done in a couple minutes as outlined below.

  1. The most recommended method to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form keeps you from doing repetitive form entry for each price estimate. One simple form will get you price quotes from all major companies. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to find better pricing requires a trip to each company website and get a separate price quote. For instance, let’s assume you are doing a rate comparison from Farmers, State Farm and American Family. In order to compare rates, you need to spend time going to each site individually and enter your information, which is not fast way to get rate quotes.

    For a handy list of car insurance company links in your area, click here.

  3. The last way to quote and compare insurance rates is driving to and from local insurance agencies. The ability to get quotes online has reduced the need for local agents unless you prefer the guidance that you can only get from talking to an agent. If you prefer, some companies allow you to compare the best prices online and get advice from an agent in your area.

It doesn’t matter which method you choose, just try to keep equivalent coverages and limits for every quote you compare. If you have higher or lower deductibles it will be impossible to get a fair rate comparison. Even a minor difference in insurance coverages could mean much higher rates. And when comparison shopping, having more price comparisons helps you find a lower rate than you’re paying now.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing coverage for your vehicles, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine whether you might need an agent’s assistance.

  • What is the minimum liability in my state?
  • Why am I required to buy high-risk coverage?
  • Should I carry comprehensive and collision coverage?
  • Does insurance cover damages from a DUI accident?
  • Is motorclub coverage worth it?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When would I need rental car insurance?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages and their meanings

Knowing the specifics of insurance can help you determine which coverages you need for your vehicles. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Auto collision coverage

Collision coverage pays for damage to your E-Class caused by collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, scraping a guard rail, sideswiping another vehicle, crashing into a building and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like EMT expenses, surgery and doctor visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability coverage provides protection from damage that occurs to a person or their property. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as attorney fees, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as falling objects, hitting a bird and damage from flooding. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Shop Smart and Save

As you prepare to switch companies, you should never buy less coverage just to save a little money. In many instances, someone sacrificed liability coverage limits and learned later that the savings was not a smart move. The aim is to find the BEST coverage at a price you can afford and still be able to protect your assets.

Cost effective 2014 Mercedes-Benz E-Class insurance can be found on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. Some auto insurance companies do not provide online rate quotes and many times these regional insurance providers work with local independent agents.

People leave their current company for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, not issuing a premium refund or policy non-renewal. Whatever your reason, finding the right auto insurance provider can be easy and end up saving you some money.

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