Want cheaper car insurance rates for your Mercedes-Benz E-Class? Nobody likes paying for car insurance, especially knowing their premiums are too high. Insurance companies such as GEICO, 21st Century and Progressive all claim big savings with ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.
It’s smart to check car insurance prices occasionally because insurance rates are usually higher with each renewal. Despite the fact that you may have had the best rates for E-Class coverage a couple years back the chances are good that you can find a lower rate today. So block out anything you think you know about car insurance because we’re going to show you how to quote online to properly buy coverages and cut your premium.
Companies do not advertise all available discounts very well, so we researched both the well known and also the lesser-known ways to save on auto insurance. If you don’t get every credit you qualify for, you’re just leaving money on the table.
It’s important to note that some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky.
To see a list of insurance companies with the best auto insurance discounts, follow this link.
When buying the right insurance coverage for your vehicles, there is no one size fits all plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight if your situation might need professional guidance.
If you can’t answer these questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.
Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for claims such as fire damage, rock chips in glass, falling objects, hail damage and hitting a deer. The maximum 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.
Medical costs insurance – Coverage for medical payments and/or PIP pay for bills for ambulance fees, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage
UM/UIM Coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family 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 limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Collision coverage – Collision insurance pays for damage to your E-Class resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for things like colliding with a tree, crashing into a building, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Auto liability – Liability coverage can cover injuries or damage you cause to other people or property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims such as emergency aid, bail bonds and attorney fees. How much liability coverage do you need? That is your choice, but buy higher limits if possible.
When buying insurance coverage, it’s not a good idea to reduce coverage to reduce premium. In many instances, someone sacrificed collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage for the lowest price, not the least amount of coverage.
Budget-conscious 2001 Mercedes-Benz E-Class insurance is attainable from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.