2013 Mercedes-Benz E-Class Insurance Quotes

I can’t think of anyone who likes having to buy auto insurance, especially knowing they are paying too much.

Numerous insurers battle for your business, so it’s not easy to compare every company to find the absolute lowest price

It’s smart to check auto insurance prices before your policy renews since insurance rates tend to go up over time. Even if you think you had the best price for E-Class insurance a few years ago other companies may now be cheaper. Starting right now, forget anything you know (or think you know) about auto insurance because you’re going to learn the tricks you need to know to save money, get proper coverage and the best rates.

Why your Mercedes-Benz E-Class insurance rates may be high

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with big savings.

The list below includes some of the items companies use to determine rates.

  • How credit affects insurance rates – Having a bad credit score is a big factor in determining your rates. Therefore, if your credit rating is lower than you’d like, you could potentially save money when insuring your 2013 Mercedes-Benz E-Class by improving your credit score. People with good credit tend to be more responsible than drivers who have poor credit.
  • Poor driving leads to higher costs – Your driving citation history has a lot to do with how much you pay for insurance. Just one citation can boost insurance rates forty percent or more. Careful drivers receive lower rates than people who have multiple driving citations. Drivers who have severe citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to drive a vehicle legally.
  • High deductibles save money – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Mercedes-Benz from damage. Some examples of claims that would be covered are collision with another vehicle, damage caused by hail, and burglary. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more expense the insured has to pay upfront, the bigger discount you will receive for E-Class insurance.
  • Discounts for multiple policies – Some insurance companies will award you with lower prices to people who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount, it’s still a good idea to compare other company rates to ensure the best deal. Drivers may still find a better deal by splitting coverages up.
  • Do you have a high stress job? – Occupations like judges, executives and stock brokers are shown to have the highest rates attributed to high stress levels and lots of time spent at work. On the other hand, professions such as farmers, students and the unemployed pay the least for E-Class insurance.
  • Where do you drive? – Driving more miles in a year the more you’ll pay to insure your vehicle. Almost all companies apply a rate determined by how the vehicle is used. Autos left parked in the garage qualify for better rates than vehicles that are driven to work every day. Make sure your insurance coverage shows the proper vehicle usage. Incorrect usage on your E-Class may be wasting your money.
  • Little extras can really add up – There are a ton of add-on coverages that can waste your money when buying insurance. Coverages like personal injury protection, accident forgiveness and membership fees may be costing you every month. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. Safer cars protect occupants better and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercedes-Benz earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.

The best way to compare rates utilizes the fact almost all companies will pay a fee to quote your coverage. All consumers are required to do is take a few minutes to give details like how much school you completed, an estimate of your credit level, the make and model of your vehicles, and the ages of drivers. That rating data is instantly submitted to many of the top insurers and you will get price comparisons immediately.

Don’t pay full price with these discounts

Insuring your vehicles can cost a lot, but companies offer discounts that can drop the cost substantially. Certain discounts will be triggered automatically when you get a quote, but some must be asked for before you get the savings.

  • Employee of Federal Government – Active or retired federal employment can earn a discount up to 10% for E-Class insurance with certain companies.
  • Sign Online – Some insurance companies will give a small break for buying a policy and signing up online.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Payment Discounts – If you pay your entire premium ahead of time instead of paying each month you could save 5% or more.
  • New Car Discount – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Sign Early and Save – A few companies offer discounts for switching to them prior to your current policy expiration. It can save you around 10%.
  • No Accidents – Claim-free drivers can earn big discounts compared to accident-prone drivers.

Keep in mind that many deductions do not apply the the whole policy. Most only apply to individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance coverage policy, companies wouldn’t make money that way. But all discounts will cut the cost of coverage.

To see a list of insurance companies who offer insurance coverage discounts, click here.

Your personal situation dictates your coverage

When buying the best insurance coverage coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • Does coverage extend to my business vehicle?
  • When can I cancel my policy?
  • Is my nanny covered when driving my vehicle?
  • Why is insurance for a teen driver so high?
  • Do I really need UM/UIM coverage?
  • Can my teen drive my company car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of your policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most car insurance policies.

Comprehensive car insurance – Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from a tornado or hurricane, rock chips in glass and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like prosthetic devices, hospital visits, doctor visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Coverage for liability – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as attorney fees, emergency aid, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Be a Smart Shopper

Cheap 2013 Mercedes-Benz E-Class insurance can be sourced on the web and also from your neighborhood agents, so you should compare both to have the best selection. Some insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented a lot of techniques to reduce insurance prices online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced insurance coverage comes from a small local company. They may cover specific market segments cheaper than their larger competitors like Geico and State Farm.

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