2016 Mercedes-Benz E-Class Insurance Rates

Want the cheapest insurance rates for your Mercedes-Benz E-Class? Finding cheaper insurance can be difficult for drivers who have little experience comparison shopping online. There are so many companies to choose from that it can easily turn into a challenge to find more affordable rates.

The purpose of this article is to teach you how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will be able to cut costs considerably using these techniques. But car owners benefit from understanding the methods companies use to market insurance on the web and take advantage of how the system works.

How to compare insurance quotes

When shopping for insurance there are multiple ways of comparing rates from insurance companies in your area. The easiest way by far to find affordable 2016 Mercedes-Benz E-Class insurance rates consists of shopping online. It is quite easy and can be accomplished in a couple minutes as outlined below.

  • The simplest way consumers can analyze rates is a comparison rater form click here to open form in new window. This form saves time by eliminating boring form submissions for every prospective company. One form submission gets rate comparisons from all major companies. It’s definitely the quickest method.
  • A harder way to find better pricing requires visiting the website for each individual company to request a price quote. For example, let’s assume you want to view quotes from Auto-Owners, Safeco and Geico. You would need to visit each site to enter your coverage information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

The method you choose is up to you, but make sure you compare the exact same quote information on every quote. If your comparisons have differing limits it’s not possible to get a fair rate comparison. Having just a slight variation in insurance coverages can make a big difference in price. It’s important to know that comparing more company’s prices will increase your chances of finding more affordable insurance. Not every company allows you to get rate quotes online, so you need to compare prices from them as well.

Insurance discounts are available to reduce your rates

Car insurance companies don’t always publicize their entire list of discounts in an easy-to-find place, so below is a list a few of the more well known in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online. If you check and find you aren’t receiving every discount you qualify for, you are paying more than you should be.

  • Waiver for an Accident – but certain companies permit an accident before your rates go up as long as you don’t have any claims prior to being involved in the accident.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving could save 15% off PIP or medical payments premium.
  • Own a Home – Being a homeowner can save a few bucks because maintaining a house is proof that your finances are in order.
  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Safety Course Discount – Successfully completing a course in defensive driving could save 5% or more and also improve your driving technique.
  • More Vehicles More Savings – Drivers who insure multiple vehicles with the same company can reduce the rates for all insured vehicles.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance from them.
  • Early Signing – Some larger companies reward drivers for switching companies prior to the expiration date on your current policy. This discount can save up to 10%.
  • Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings as much as 30%.

We need to note that many deductions do not apply to the entire policy premium. Some only apply to individual premiums such as comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

A list of companies and a summarized list of policyholder discounts are outlined below.

  • Farm Bureau includes discounts for good student, multi-vehicle, multi-policy, driver training, renewal discount, and youthful driver.
  • MetLife policyholders can earn discounts including good driver, good student, defensive driver, claim-free, accident-free, and multi-policy.
  • Progressive offers discounts including multi-policy, online signing, homeowner, multi-vehicle, and online quote discount.
  • AAA may offer discounts for multi-car, AAA membership discount, good driver, good student, and pay-in-full.
  • American Family has discounts for early bird, multi-vehicle, bundled insurance, accident-free, mySafetyValet, Steer into Savings, and air bags.
  • Geico offers discounts for defensive driver, five-year accident-free, good student, anti-lock brakes, air bags, and federal employee.
  • State Farm may have discounts that include multiple policy, Steer Clear safe driver discount, defensive driving training, anti-theft, and safe vehicle.

When getting free insurance quotes, it’s a good idea to each insurance company the best way to save money. Some of the earlier mentioned discounts may not be offered everywhere.

Everyone needs different auto insurance coverages

When choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is a little different.

These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • How much liability do I need to cover my assets?
  • Do I have newly-aquired coverage?
  • Do I need higher collision deductibles?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • At what point should I drop full coverage?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Specifics of your insurance policy

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

Collision coverage will pay to fix damage to your E-Class from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sustaining damage from a pot hole, backing into a parked car, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also bump up the deductible to get cheaper collision coverage.

Liability insurance

This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of 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 limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like pain and suffering, medical expenses, medical services and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2016 Mercedes-Benz E-Class.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as ambulance fees, dental work, pain medications and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, vandalism, a broken windshield and hitting a bird. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.