View 2016 Mercedes-Benz E-Class Car Insurance Cost

Are you overwhelmed by the wide range of auto insurance companies? Many other drivers are as well. Drivers have so many options that it can turn into a lot of work to locate the lowest price.

Don’t miss these discounts

The cost of insuring your cars can be expensive, but you may find discounts that you may not know about. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be manually applied before you get the savings.

  • Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz can earn discounted rates on garaged vehicles.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Save over 55 – Mature drivers may qualify for better car insurance rates for E-Class insurance.
  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts of more than 20%.
  • Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, you won’t be that lucky. But any discount will help reduce the amount you have to pay.

For a list of companies offering car insurance discounts, click this link.

Where Can I Get Cheap Auto Insurance?

Most companies provide coverage prices online. Obtaining pricing doesn’t take a lot of time as you just type in your personal and coverage information as requested by the quote form. After you complete the form, their system sends out for information on your driving record and credit history and returns a price determined by many factors.

Being able to quote online helps simplify price comparisons, but the work required to visit many different websites and fill out multiple forms can be a bit repetitive. But it’s very important to have as many quotes as possible if you are searching for the lowest possible prices on auto insurance.

The better way to compare rates

A quicker way to lower your rates is to use a quote form that analyzes rates from more than one company. The form is fast, reduces the work, and makes online price comparison much easier to do. Immediately after submitting the form, it is quoted with multiple companies and you can pick your choice of the pricing results.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

If you want to find out what other companies charge, click here to open in a new tab and input your coverage information. If you currently have coverage, we recommend you type in the limits and deductibles exactly as shown on your declarations page. This guarantees you are getting an apples-to-apples comparison based on identical coverages.

When might I need help?

When it comes to choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions can help discover if you might need an agent’s assistance.

  • Is a fancy paint job covered?
  • Am I covered when delivering products for my home-based business?
  • What exactly is covered by my policy?
  • How many claims can I have before being cancelled?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What are the best liability limits?

If you can’t answer these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Specific coverages for a Mercedes-Benz E-Class

Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like colliding with another moving vehicle, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive insurance – Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, a broken windshield and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – This protects you from injuries or damage you cause to people or other property. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as structural damage, court costs, repair costs for stationary objects and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like doctor visits, nursing services, EMT expenses, dental work and X-ray expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

A little work can save a LOT of money

Consumers switch companies for any number of reasons including policy cancellation, an unsatisfactory settlement offer, unfair underwriting practices or lack of trust in their agent. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

Cheaper 2016 Mercedes-Benz E-Class insurance is attainable online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

While you’re price shopping online, you should never buy poor coverage just to save money. There are many occasions where consumers will sacrifice collision coverage only to find out that the few dollars in savings costed them thousands. The aim is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Helpful information