View 2015 Mercedes-Benz E-Class Car Insurance Quotes

Trying to find better auto insurance rates for your Mercedes-Benz E-Class? Having to pay for overpriced Mercedes-Benz E-Class insurance can drain your personal savings and put the squeeze on your family’s finances. Comparison shopping is a great way to cut your insurance bill.

Big companies like GEICO, Farmers Insurance and State Farm all claim big savings with catchy ads and consumers find it hard to ignore the propoganda and do the work needed to find the best deal.

Consumers need to take a look at other company’s rates occasionally because rates are usually higher with each renewal. Just because you found the best deal on E-Class insurance last year you may be paying too much now. There is a lot of wrong information about auto insurance online, so with this article, you’re going to get some of the best ways to put money back in your pocket.

Why you might be paying too much to insure your Mercedes-Benz E-Class

Smart consumers have a good feel for some of the elements that go into determining car insurance rates. Knowing what determines base rates helps enable you to make changes that can help you get better car insurance rates.

Listed below are a few of the “ingredients” that factor into your rates.

  • Where you live is a factor – Being located in a small town can be a good thing when talking about car insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Lower population translates into fewer accidents and a lower car theft rate.
  • Rates may be lower depending on your job – Did you know your car insurance rates can be affected by your occupation? Occupations such as doctors, social workers and financial analysts have higher average rates in part from high stress and long work hours. Conversely, jobs such as pilots, engineers and performers get better rates on E-Class insurance.
  • Special features that cut premiums – Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder car theft.
  • Bump up deductibles to save – Deductibles for physical damage represent how much money you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some examples of claims that would be covered are colliding with a building, vandalism, and windstorm damage. The more expense the insured has to pay upfront, the less your company will charge you for insurance on E-Class insurance.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Insurance companies award cheaper rates to drivers who are claim-free. Auto insurance is intended for larger claims.
  • Proper usage rating affects rates – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. The majority of insurers price each vehicle’s coverage based on their usage. Autos that are left in the garage can get a lower rate than those used for commuting. Verify your car insurance coverage is showing the proper vehicle usage, because it can save money. Incorrect usage on your E-Class may be wasting your money.
  • Discounts for multiple policies – Most car insurance companies give discounts to customers who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you still need to shop around to make sure you are getting the best deal. You may still be able to find better rates by insuring with multiple companies.
  • Do you have enough liability coverage? – Liability insurance will protect you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage starting from day one. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.

How to save on 2015 Mercedes-Benz E-Class insurance

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Most are applied at the time of quoting, but less common discounts must be specifically requested before you get the savings.

  • No Claims – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save at least 10% off all policies.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
  • Good Students Pay Less – A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Low Mileage – Driving fewer miles can earn better rates on cars that stay parked.
  • Club Memberships – Belonging to a professional or civic organization could trigger savings on car insurance on E-Class insurance.
  • Sign Online – A few companies may give you up to $50 simply for signing on their website.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Driver’s Ed – Cut your cost by having your teen driver complete a driver education course in high school.

Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. Any qualifying discounts will reduce your overall premium however.

For a list of providers offering car insurance discounts, follow this link.

Do drivers who switch really save?

Progressive, Allstate and GEICO continually stream ads on TV and radio. All the companies make the same claim of big savings after switching your policy. How do they all say the same thing? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured could be a mature driver, insures multiple vehicles, and drives newer vehicles. A customer who matches those parameters gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t qualify for these standards will be charged higher prices which usually ends up with business not being written. The ads say “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently advertise the savings.

That is why you should quote coverage with many companies. Because you never know the company that will fit your personal profile best.

Tailor your coverage to you

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. Here are some questions about coverages that can help discover if you may require specific advice.

  • How can I get high-risk coverage after a DUI?
  • What is UM/UIM insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Why am I required to buy high-risk coverage?
  • How do I insure my teen driver?
  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when pulling a rental trailer?
  • Am I missing any policy discounts?

If you’re not sure about those 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, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a 2015 Mercedes-Benz E-Class

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Liability – Liability insurance protects you from damage or injury you incur to other people or property. This coverage protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical expenses, funeral expenses, attorney fees, loss of income and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz E-Class.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, hitting a parking meter, rolling your car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for things like prosthetic devices, ambulance fees, X-ray expenses and hospital visits. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, a broken windshield, theft, damage from getting keyed and fire damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Pennies from heaven

Discount 2015 Mercedes-Benz E-Class insurance is available on the web in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some companies do not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you shop your coverage around, don’t be tempted to buy less coverage just to save a little money. In many instances, someone sacrificed liability limits or collision coverage only to discover later that the savings was not a smart move. Your goal should be to find the BEST coverage at the best price, not the least amount of coverage.

In this article, we covered a lot of techniques to get a better price on insurance. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as Allstate and Progressive.

Additional auto insurance information can be read at these links: