Lower Your 2018 Mercedes-Benz E-Class Car Insurance Quotes

Searching for lower insurance rates for your Mercedes-Benz E-Class? Are you regretting buying high-priced insurance? It’s a common feeling and there are a lot of people just like you who feel imprisoned by their insurance policy. Online insurance companies like State Farm, Farmers Insurance, Geico and Allstate constantly blast consumers with TV and radio ads and it can be hard to avoid their marketing magic and find the best price available.

It’s a great practice to shop coverage around quite often because prices go up and down regularly. Even if you got the best price for E-Class insurance on your last policy you may be paying too much now. Block out anything you think you know about insurance because you’re about to learn the right way to lower your rates without sacrificing coverage.

If you have insurance now or are shopping for new coverage, you will benefit by learning to reduce the price you pay while maintaining coverages. Finding affordable coverage is quite easy. Drivers only need to know the most efficient way to buy insurance coverage online.

How to lower your auto insurance cost

There are a variety of methods to compare auto insurance prices but one way is less time-consuming than others. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

Many companies participate in an industry program where prospective buyers submit their information once, and each participating company returns a rated price based on the submitted data. This system prevents you from having to do form submissions to every company. To compare rates now click here (opens in new window).

One minor caviat to using this type of system is you cannot specify the companies you will receive quotes from. If you wish to select specific insurance companies to compare prices, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but be sure you’re using apples-to-apples deductibles and coverage limits for each quote you get. If you enter unequal deductibles or liability limits you can’t possibly make a fair rate comparison.

Lower rate quotes with these discounts

The price of auto insurance can be rather high, but there are discounts available that could drop your premiums quite a bit. Some trigger automatically when you quote, but a few must be asked for prior to receiving the credit.

  • Good Driver Discount – Insureds without accidents may receive a discount up to 45% for E-Class insurance compared to rates paid by drivers with frequent claims.
  • Homeowners Pay Less – Simply owning a home may trigger a policy discount on car insurance since owning and maintaining a home shows financial diligence.
  • Active Military Service – Being on active duty in the military could qualify you for better rates.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in school or through a local driver safety program.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% for E-Class insurance with certain companies.
  • Driver Safety – Taking a defensive driver course could save 5% or more and make you a better driver.

As is typical with insurance, most discounts do not apply the the whole policy. Most only reduce specific coverage prices like physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic. Any qualifying discounts will bring down the amount you pay for coverage.

A list of companies and some of the premium reductions they offer are detailed below.

  • The Hartford offers discounts for good student, bundle, vehicle fuel type, anti-theft, defensive driver, driver training, and air bag.
  • American Family policyholders can earn discounts including good driver, multi-vehicle, defensive driver, early bird, mySafetyValet, and TimeAway discount.
  • Progressive may have discounts that include online signing, continuous coverage, good student, homeowner, multi-policy, and online quote discount.
  • Travelers may include discounts for early quote, driver training, save driver, continuous insurance, multi-car, and IntelliDrive.
  • Farmers Insurance offers discounts including multi-car, youthful driver, business and professional, switch companies, and bundle discounts.
  • USAA may offer discounts for good student, vehicle storage, new vehicle, annual mileage, defensive driver, safe driver, and multi-policy.
  • Liberty Mutual includes discounts for safety features, newly married, multi-car, preferred payment discount, good student, exclusive group savings, and newly retired.

It’s a good idea to ask every prospective company to give you their best rates. Some of the earlier mentioned discounts may not apply to policies in your area. To find car insurance companies that offer discounts, follow this link.

How insurance providers determine Mercedes-Benz E-Class insurance prices

Part of the insurance coverage buying process is learning the rating factors that are used to determine the level of your policy premiums. When you understand what determines premiums, this allows you to make educated decisions that may result in cheaper rates.

The following are some of the things used by your company to calculate your premiums.

  • City dwellers may pay more – Being located in less populated areas of the country can be a good thing when shopping for auto insurance. Less people translates into fewer accidents in addition to lower liability claims City drivers regularly have congested traffic and higher rates of accident claims. Higher commute times means more chance of being in an accident.
  • Lower rates with a multi-policy discount – Lots of companies will award discounts to insureds who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to compare other insurance prices to help ensure you have the lowest rates. You may still be able to find better rates by buying from different companies
  • Filing claims can cost you – Companies give the best rates to drivers who file claims infrequently. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance coverage is intended for major claims that would cause financial hardship.
  • Extra coverages that aren’t used – There are a lot of additional coverages that can add up if you aren’t diligent. Things like personal injury protection, accidental death, and membership fees could be just wasting money. You may think they are a good idea when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Get a ticket, pay higher premiums – Only having one moving violation can increase the cost of insurance forty percent or more. Careful drivers tend to pay less for car insurance than bad drivers. Drivers who get careless tickets such as reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to continue driving.

Insurance can be complex

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • What is UM/UIM insurance?
  • Does car insurance cover theft of personal property?
  • What vehicles should carry emergency assistance coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does insurance cover damages from a DUI accident?
  • When should I buy a commercial auto policy?
  • Does liability extend to a camper or trailer?
  • What is the difference between comprehensive and collision coverage?
  • Is motorclub coverage worth it?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Tricks in auto insurance advertising

Consumers get pounded daily by advertisements that claim the lowest premium rates by State Farm, Geico and Progressive. All the companies have a common claim that drivers will save a bundle after switching to their company.

How does each company say the same thing?

Companies give the best rates for the type of customer that earns them the highest profit. For example, a desirable insured could be between 25 and 40, has a clear driving record, and has a high credit rating. Anybody that fits those parameters gets the lowest prices and will probably save when switching.

Drivers who may not quite match the requirements may be forced to pay a more expensive rate and ends up with the customer buying from a different company. The ads say “drivers who switch” not “all people who quote” can save as much as they claim. That’s the way companies can truthfully advertise the way they do.

Because of these techniques, it’s extremely important to compare free car insurance quotes often. Because you cannot predict which company will have the best rates.

Car insurance coverage specifics

Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages found on most car insurance policies.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for X-ray expenses, doctor visits, nursing services and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply 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, damage from getting keyed, theft, hitting a bird and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision insurance covers damage to your E-Class resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, rolling your car, sustaining damage from a pot hole, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

Liability coverage

This coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims such as medical expenses, bail bonds, pain and suffering, legal defense fees and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Don’t break the bank

As you quote car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage only to regret at claim time that the savings was not a smart move. Your goal should be to buy enough coverage at the best cost while still protecting your assets.

In this article, we presented a lot of ways to compare 2018 Mercedes-Benz E-Class insurance prices online. The most important thing to understand is the more you quote car insurance, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the smaller companies. Smaller companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

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