2011 Mercedes-Benz E-Class Car Insurance Quotes – 10 Tips for Best Rates

Shoppers have options when shopping for the best price on Mercedes-Benz E-Class insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to find the lowest rates. There are both good and bad ways to buy insurance coverage and we’ll show you the absolute fastest way to get price quotes for your Mercedes-Benz and get the lowest possible price either online or from local insurance agents.

It’s important to compare prices quite often due to the fact that insurance rates are rarely the same from one policy term to another. If you had the lowest price on E-Class coverage a year ago a different company probably has better rates today. So just ignore everything you know about insurance coverage because you’re going to learn how to use the internet to remove unneeded coverages and save money.

Fast and Easy Auto Insurance Quotes

Finding cheaper 2011 Mercedes-Benz E-Class auto insurance prices isn’t really that difficult. Drivers just need to spend a few minutes comparing rates online with multiple companies. This is very easy and can be done in just a few minutes using one of these methods.

One of the simplest ways to find the lowest comparison rates is to use a rate comparison form click here to open form in new window. This form prevents you from having to do separate quote forms for each company you want a rate for. One form submission gets you price quotes from multiple low-cost companies. It’s definitely the quickest method.

Another way to analyze rates requires visiting each company website and fill out their own quote form. For sake of this example, we’ll pretend you want comparison quotes from Allstate, Progressive and Travelers. To get each rate you have to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

The most time-consuming way of comparing rate quotes is to waste gas driving to insurance agents’ offices. Buying insurance online can eliminate the need for a local agent unless you require the professional guidance only provided by licensed agents. However, consumers can find lower rates online and still use a local agent and we’ll talk about that later.

It’s up to you which method you use, but make sure you use identical coverage limits and deductibles for each price quote. If you are comparing differing limits then you won’t be able to find the best deal for your Mercedes-Benz E-Class.

Take advantage of discounts

Car insurance companies don’t list every discount very clearly, so here is a list some of the more common and the harder-to-find ways to save on car insurance. If you’re not getting every credit possible, you are throwing money away.

  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Bundle and Save – When you combine your home and auto insurance with the same company you will save at least 10% off all policies.
  • Lower Rates for Military – Having a family member in the military can result in better rates.
  • Government Employees – Active or retired federal employment can earn a discount up to 10% on E-Class coverage with a few car insurance companies.
  • Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on E-Class coverage than drivers with accidents.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Life Insurance – Larger companies have better rates if you take out auto and life insurance together.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Accident Free – Good drivers with no accidents can save substantially when compared with frequent claim filers.

As a disclaimer on discounts, many deductions do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, you’re out of luck.

Insurance companies that may have these benefits include:

Check with each insurance company which discounts you may be entitled to. Discounts may not apply in every state.

How to know if you need help

When buying adequate coverage, there is no single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can help discover whether you would benefit from professional advice.

  • Which companies will insure high-risk drivers?
  • Do I have coverage when using my vehicle for my home business?
  • Can I still get insurance after a DUI?
  • What if I total my 2011 Mercedes-Benz E-Class and owe more than it’s worth?
  • What vehicles should carry emergency assistance coverage?
  • What are the best liability limits?
  • Why is insurance for a teen driver so high?
  • How can I force my company to pay a claim?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance 101

Having a good grasp of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz E-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like dental work, nursing services, chiropractic care, funeral costs and X-ray expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, damage from a tornado or hurricane, a broken windshield and damage from flooding. The highest amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverage

This provides protection from damage that occurs to people or other property that is your fault. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers things like medical expenses, repair costs for stationary objects, repair bills for other people’s vehicles, emergency aid and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Collision coverage protection

This coverage pays for damage to your E-Class resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Shop. Compare. Save.

Insureds switch companies for many reasons like high rates after DUI convictions, not issuing a premium refund, high prices and even poor customer service. No matter why you want to switch, finding a new auto insurance company is not as hard as you think.

Discount 2011 Mercedes-Benz E-Class insurance can be purchased both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance providers don’t offer you the ability to get quotes online and these smaller companies work with independent agents.

We just showed you a lot of tips how to shop for insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest rates come from the smaller companies.

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