Lower Your 2018 Mercedes-Benz E-Class Car Insurance Quotes

Trying to find cheaper insurance rates for your Mercedes-Benz E-Class? Buying insurance online may appear to be difficult at first if you are like the majority of consumers and have never used online price quotes. But don’t just give up because finding affordable coverage online is easier than you think.

Lower rate quotes with these discounts

Car insurance is not cheap, but discounts can save money and there are some available to cut the cost considerably. Many discounts should be triggered at the time you complete a quote, but occassionally some discounts must be requested specifically in order for you to get them.

  • Federal Employees – Active or retired federal employment can save as much as 8% on E-Class coverage depending on your company.
  • Clubs and Organizations – Participating in certain professional organizations is a simple method to lower premiums when shopping for insurance coverage.
  • Multi-car Discount – Drivers who insure more than one vehicle with the same insurance coverage company can get a discount for every vehicle.
  • Theft Deterent System – Cars and trucks with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts as much as 30%.
  • One Accident Forgiven – This isn’t a discount exactly, but a handful of insurance companies may permit one accident before hitting you with a surcharge so long as you haven’t had any claims for a set time period.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could earn a discount of at least 10% off all policies.
  • Defensive Driving Course – Taking time to complete a safe driver class could save 5% or more depending on where you live.
  • Discounts for Good Drivers – Drivers without accidents could pay up to 40% less on E-Class coverage as compared to drivers with claims.
  • Discounts for New Vehicles – Insuring a new car is cheaper because new vehicles are generally safer.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

The best insurance coverage companies and some of their more popular discounts are shown below.

  • State Farm may offer discounts for multiple policy, anti-theft, Steer Clear safe driver discount, student away at school, safe vehicle, and multiple autos.
  • American Family discounts include good driver, defensive driver, air bags, accident-free, bundled insurance, Steer into Savings, and multi-vehicle.
  • AAA may include discounts for multi-policy, AAA membership discount, good driver, education and occupation, anti-theft, pay-in-full, and good student.
  • GEICO policyholders can earn discounts including driver training, federal employee, daytime running lights, multi-policy, anti-lock brakes, and seat belt use.
  • Mercury Insurance has savings for multi-car, ease of repair, age of vehicle, location of vehicle, professional/association, and multi-policy.
  • Farmers Insurance offers discounts including electronic funds transfer, youthful driver, good student, homeowner, and pay in full.
  • Progressive offers premium reductions for multi-policy, homeowner, good student, online quote discount, continuous coverage, multi-vehicle, and online signing.

Double check with each company which discounts you may be entitled to. Discounts may not apply to policies in your area. If you would like to see a list of insurers that provide some of the discounts listed above, click here.

The most recommended method to compare insurance rates from multiple companies is to take advantage of the fact car insurance companies actually pay money for the chance to give free rates quotes. The one thing you need to do is give them rating details including if you have a valid license, if you require a SR-22, whether the vehicles are used for commuting, and how much school you completed. Those rating factors is submitted instantly to insurance companies and they return quotes quickly.

If you would like to compare rates now, click here then complete the form.

Eight tips to get cheaper insurance rates

Many different elements are taken into consideration when you quote your car insurance policy. Some are pretty understandable like an MVR report, but other factors are less apparent such as your marital status or your vehicle rating.

  • Your gender affects rates – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are better drivers. Males and females are responsible for fender benders at about the same rate, but the men cause more damage. Not only that, but men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly. Young men ages 16 to 20 tend to get in the most accidents and are penalized with high insurance coverage rates.
  • Higher prices for insurance coverage policy lapses – Driving without insurance can get your license suspended and your next policy will cost more because you let your insurance expire. Not only will rates go up, failure to provide proof of insurance might get you fines and jail time.
  • Improve your credit history – An insured’s credit history can be a huge factor in your rate calculation. Insureds that have very good credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. So if your credit can use some improvement, you could pay less to insure your 2018 Mercedes-Benz E-Class by repairing your credit.
  • Do you need those extra coverages? – There are many extra coverages that you can get tricked into buying if you don’t pay attention. Insurance for things like personal injury protection, accidental death, and extra equipment coverage may be costing you every month. They may sound like good ideas when you first buy your policy, but if you have no use for them eliminate the coverages to reduce your premium.
  • Minor frequent claims are not good – If you are the type of insured that files lots of claims you can pretty much guarantee higher rates. Auto insurance companies generally give most affordable rates to insureds who do not rely on their insurance for small claims. Insurance coverage is intended to be relied upon for larger claims.
  • Protect yourself with liability insurance – Your policy’s liability coverage provides coverage if ever you are responsible for causing damage or personal injury in an accident. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Married people drive safer – Having a significant other actually saves money on insurance coverage. Having a spouse usually means you are more financially stable and statistics show being married results in fewer claims.
  • Annual mileage and car insurance premiums – Driving a lot of miles in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles based upon how much you drive. Cars and trucks that are left in the garage get more affordable rates compared to those used for work or business. Incorrect rating for your E-Class may be wasting your money. It’s a good idea to make sure your insurance coverage declarations sheet properly reflects the proper vehicle usage.

Insurance coverage can be complex

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining if you would benefit from professional advice.

  • When does my teenage driver need to be added to my policy?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How high should deductibles be on a 2018 Mercedes-Benz E-Class?
  • When do I need to add a new car to my policy?
  • Is my babysitter covered when using my vehicle?
  • Why am I required to buy high-risk coverage?
  • How much can I save by bundling my policies?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance policy coverages for a 2018 Mercedes-Benz E-Class

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy.

Liability coverages

This coverage provides protection from injuries or damage you cause to other’s property or people that is your fault. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as medical services, attorney fees, bail bonds, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Auto collision coverage

This pays for damage to your E-Class caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, backing into a parked car, hitting a parking meter, colliding with a tree and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, rock chips in glass, theft and a tree branch falling on your vehicle. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for dental work, EMT expenses, pain medications and funeral costs. They are utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Get your money’s worth

Insureds leave their current company for any number of reasons including not issuing a premium refund, high rates after DUI convictions, delays in paying claims or even policy non-renewal. Whatever your reason, finding a new insurance coverage company is not as difficult as it may seem.

Cheaper 2018 Mercedes-Benz E-Class insurance is definitely available both online and also from your neighborhood agents, so you need to quote insurance with both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get quotes online and these small, regional companies provide coverage only through independent agents.

When getting insurance quotes online, you should never buy less coverage just to save a little money. There have been many situations where an insured dropped comprehensive coverage or liability limits only to regret they didn’t purchase enough coverage. The ultimate goal is to find the BEST coverage at a price you can afford, but do not sacrifice coverage to save money.

Additional insurance coverage information can be found at the links below