Cheap 2015 Mercedes-Benz E-Class Car Insurance Quotes

Looking for better insurance coverage rates for your Mercedes-Benz E-Class? Searching for discount insurance coverage may be overwhelming for consumers not familiar with comparing rates and buying insurance coverage on the web. With a ridiculous number of insurers to choose from, how can anyone be able to compare the different rates to find the lowest rates?

How to get low cost car insurance

To find the best car insurance rates, there are several ways to compare rate quotes from many car insurance companies in your state. The best way to find the lowest 2015 Mercedes-Benz E-Class rates is to jump online and get quotes. This can be done in a couple minutes as outlined below.

Hands down the most simple method to get quotes would be an industry-wide quote request form click here to open form in new window. This method saves time by eliminating multiple quote forms to each individual car insurance company. A single form compares rates from many national carriers. It’s definitely the quickest method.

A harder way to find more affordable insurance consists of visiting each company’s website to complete a price quote. For example, let’s say you want to compare Nationwide, Progressive and Farmers. You would have to go to each individual site and repeatedly enter your information, which is why the first method is more popular.

For a list of companies in your area, click here.

The hardest way to get price estimates is making phone calls or going to each insurance agency near you. The fact that you can get quotes online reduces the need to sit down with an agent unless you prefer the extra assistance of a local agent. Although you can get prices online and get advice from an agent in your area.

Which method you use is up to you, but do your best to enter nearly identical coverage limits and deductibles for each quote you get. If you compare higher or lower deductibles you will not be able to truly determine the lowest rate. Just a small difference in limits could mean much higher rates. It’s important to know that obtaining a wide range of quotes gives you a better chance of getting the best price.

How do car insurance companies determine Mercedes-Benz E-Class insurance prices?

Lots of factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable such as your driving history, although others are not as apparent such as your marital status or your commute time.

Listed below are some of the items used by companies to determine prices.

No claims equals cheap premiums – If you’re an insured who likes to file claims don’t be surprised to see much higher rates or policy non-renewal. Car insurance companies award better rates to insureds that do not abuse their auto insurance. Insurance coverage is intended for major claims that would cause financial hardship.
Consider raising physical damage deductibles – Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Mercedes-Benz. Some coverage claims are running into the backend of another car, flood damage, and burglary. The deductibles you choose define the amount the insured will be required to pay if the claim is covered. The more money you have to pay, the less your auto insurance will be for E-Class insurance.
Do safer cars cost less to insure? – Safe vehicles can get you lower premiums. These vehicles reduce the chance of injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If your Mercedes-Benz E-Class earned at least four stars on Safercar.gov it may be receiving lower rates.
Cheaper premiums for prior coverage – Driving without insurance coverage in place can get your license suspended and companies may charge more for letting your coverage lapse. In addition to paying higher rates, being ticketed for driving with no insurance will get you fines or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
Discounts for auto and home policies – Many auto insurance companies provide discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. Even if you already get this discount, drivers will still want to compare other company rates to ensure the best deal.

More discounts mean affordable premiums

Car insurance can cost a lot, but you may be missing some discounts that may help make it more affordable. Certain reductions will be credited when you purchase, but a few must be asked about before they will apply.

Professional Organizations – Being a member of a qualifying organization could qualify you for a break when shopping for car insurance.
Driver’s Ed – Have your child successfully complete driver’s ed class if offered at their school.
Include Life Insurance and Save – Not all insurance carriers offer life insurance, but some may give you better car insurancerates if you take out some life insurance in addition to your auto policy.
Waiver for an Accident – Not a discount per se, but companies like Allstate and Progressive may permit one accident without raising rates if your claims history is clear before the accident.
Telematics Data – Insureds that choose to allow their car insurance company to spy on driving patterns remotely like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they exhibit good driving behavior.
Policy Bundle Discount – If you have multiple policies with the same company you could earn a discount of up to 20% off your total premium.
No Claims – Good drivers with no accidents can earn big discounts when compared with policyholders that have many claims.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

For a list of companies with discount car insurance rates, follow this link.

It’s not one size fits all

When it comes to choosing the best insurance coverage, there is no single plan that fits everyone. Each situation is unique.

For instance, these questions may help highlight whether or not you might need professional guidance.

Is my babysitter covered when using my vehicle?
How does medical payments coverage work?
Should I buy only the required minimum liability coverage?
Am I covered when driving in Canada or Mexico?
Is my trailer covered?
What companies insure drivers after a DUI or DWI?
Does my car insurance cover rental cars?
When should my teen driver be added to my policy?
What is covered by UM/UIM coverage?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, complete this form.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto collision coverage

This pays for damage to your E-Class resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sideswiping another vehicle, crashing into a ditch, driving through your garage door, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz E-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverage

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims like loss of income, legal defense fees, attorney fees and repair bills for other people’s vehicles. How much coverage you buy is your choice, but consider buying higher limits if possible.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for bills such as X-ray expenses, chiropractic care and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, rock chips in glass, hitting a deer and fire damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More choices the merrier

We just covered a lot of information how to lower your 2015 Mercedes-Benz E-Class insurance rates. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from some of the smallest insurance companies.

When searching for cheaper insurance quotes, it’s a bad idea to reduce needed coverages to save money. There have been many situations where an insured dropped full coverage only to find out that the few dollars in savings costed them thousands. The goal is to get the best coverage possible at the lowest possible cost and still be able to protect your assets.

Cheap 2015 Mercedes-Benz E-Class insurance is available online in addition to local insurance agencies, so get free insurance quotes from both of them so you have a total pricing picture. There are still a few companies who do not provide internet price quotes and most of the time these regional insurance providers prefer to sell through independent agents.