Lower Your 2011 Mercedes-Benz E-Class Insurance Quotes

Consumers have many options when looking for low-cost Mercedes-Benz E-Class insurance. You can either waste hours driving around getting price quotes or utilize the internet to compare rates. There are more efficient ways to buy insurance so you’re going to learn the absolute fastest way to get price quotes on a Mercedes-Benz and obtain the cheapest rates from both online companies and local agents.

Finding car insurance

Getting a cheap price on 2011 Mercedes-Benz E-Class insurance is a fairly straight forward process. All you need to do is spend a few minutes on the computer getting comparison quotes from online providers. This can be done in several different ways.

1. One of the simplest ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This type of form eliminates the need for repetitive form entry to each individual car insurance company. One form gets you price quotes from many national carriers. This is perfect if you don’t have a lot of time.
2. A more difficult way to shop for car insurance online requires you to visit the website for every company you want to comare and go through the quote process again. For sake of this example, we’ll assume you want to get rates from Allstate, 21st Century and State Farm. In order to compare rates, you need to go to every website and repeatedly enter your information, which can get rather old.

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

The method you choose is up to you, but make absolute certain that you use identical deductibles and coverage limits with each company. If you use different data it’s impossible to find the best deal for your Mercedes-Benz E-Class.

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Lower rate quotes by receiving discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that many people don’t even know exist. Some of these disounts will be visible when you purchase, but some may not be applied and must be asked for before they will apply.

• Cautious Driver Discounts – Drivers without accidents can save as much as half off their rates on E-Class coverage as compared to drivers with claims.
• Safety Course Discount – Taking time to complete a defensive driving course may get you a small discount if you qualify.
• Waiver for an Accident – but some companies like Geico, State Farm, and Progressive will let one accident slide without raising rates if you are claim-free before the accident.
• Accident Free – Drivers who stay claim-free can earn big discounts compared to drivers with a long claim history.
• Student Discount for Driver Training – Teen drivers should take driver’s ed class as it will make them better drivers and lower rates.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

A list of companies and some of the discounts are included below.

• American Family may have discounts that include TimeAway discount, defensive driver, bundled insurance, mySafetyValet, and air bags.
• Nationwide has savings for family plan, easy pay, anti-theft, Farm Bureau membership, and defensive driving.
• MetLife may offer discounts for good student, accident-free, defensive driver, multi-policy, claim-free, good driver
• 21st Century may include discounts for student driver, 55 and older, theft prevention, air bags, and driver training.
• Farmers Insurance includes discounts for good student, youthful driver, early shopping, pay in full, and mature driver.
• Allstate discounts include economy car, 55 and retired, anti-lock brakes, new car, teenSMART discount, and senior citizen.

It’s a good idea to ask every company the best way to save money. Some discounts listed above may not be available in your area. To view insurers that offer multiple discounts, click this link.

What impacts Mercedes-Benz E-Class insurance prices?

Lots of factors are part of the calculation when pricing auto insurance. Some are obvious like a motor vehicle report, but other criteria are not quite as obvious like your vehicle usage or your commute time.Part of the car insurance buying process is learning the factors that help calculate your premiums. If you understand what determines base rates, this helps enable you to make changes that may result in lower car insurance prices.

• Low credit history equals high prices – Having a good credit score can be a huge factor in determining what you pay for car insurance. So if your credit score can use some improvement, you may save money insuring your 2011 Mercedes-Benz E-Class if you clean up your credit. People that have high credit scores tend to be more responsible and file fewer claims than those with bad credit.
• Driving citations hurt – Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Even a single moving violation may increase your cost twenty percent or more. Drivers unfortunate enough to have dangerous violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to maintain a SR-22 with their state DMV in order to continue driving.
• Save money with higher comp and collision deductibles – Physical damage protection, aka comp and collision, helps pay for damage to your vehicle. Examples of some claims that would be covered would be a broken side mirror, damage from fire, and having your car stolen. Comp and collision deductibles are the amount of money you are required to spend if the claim is covered. The more you pay before a claim is paid (deductible), the less your car insurance will be on E-Class coverage.
• Getting married reduces risk – Having a wife or husband may cut your premiums on car insurance. Marriage is viewed as being less irresponsible and insurance companies reward insureds because drivers who are married file infrequent claims.
• How your age affects premiums – Older insureds are more cautious drivers, cause fewer claims and accidents and receive fewer citations.Drivers with little experience have been known to get distracted easily with other occupants in the car and because of this, their car insurance rates are much higher.
• Low mileage costs less – The higher the miles on your Mercedes-Benz every year the higher your rate. Almost all companies rate vehicles based upon how much you drive. Vehicles that do not get driven very much get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your policy is showing the proper vehicle usage. Incorrect rating for your E-Class is just wasting money.
• Lower rates with a multi-policy discount – Many car insurance companies will give lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. The discount can be 10 percent or more. Even though this discount sounds good, it’s always a smart idea to compare other insurance prices to help guarantee you have the best rates.
• Why do you need liability? – Your policy’s liability coverage is the coverage that protects you in the event that you are found to be at fault for physical damage or personal injury to other. It provides legal defense which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so do not skimp.

Your auto insurance coverage should be tailored to you

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

For example, these questions can aid in determining if you might need professional guidance.

• What if I total my 2011 Mercedes-Benz E-Class and owe more than it’s worth?
• Which is better, split liability limits or combined limits?
• When should my teen driver be added to my policy?
• How much liability do I need to cover my assets?
• Should I drop comprehensive coverage on older vehicles?
• Can I afford low physical damage deductibles?
• What companies insure drivers after a DUI or DWI?
• Am I covered if hit by an uninsured driver?
• Should I put collision coverage on all my vehicles?

If you’re not sure about those questions but you know they apply to you, 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. It’s fast, doesn’t cost anything and you can get the answers you need.

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Specifics of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Insurance for medical payments

Med pay and PIP coverage kick in for short-term medical expenses for things like EMT expenses, surgery, ambulance fees, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, colliding with a tree, hitting a mailbox, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, hitting a bird and a broken windshield. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like attorney fees, court costs, repair costs for stationary objects, medical expenses and pain and suffering. How much coverage you buy is up to you, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

Make a quick buck

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, poor customer service, questionable increases in premium or not issuing a premium refund. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

When searching for cheaper insurance quotes, it’s not a good idea to reduce needed coverages to save money. In many instances, an insured dropped comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to get the best coverage possible for the lowest price, but do not skimp to save money.

You just learned many tips how you can lower your 2011 Mercedes-Benz E-Class insurance premium rates. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest premium rates are with a company that doesn’t do a lot of advertising.

More resources

• Older Driver Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Crash Avoidance Technologies FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)

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