2017 Mercedes-Benz E-Class Car Insurance Quotes – 10 Savings Tips

Trying to find lower auto insurance rates? Buyers have options when searching for the lowest priced Mercedes-Benz E-Class insurance. You can either waste hours calling around getting price quotes or leverage the internet to find the lowest rates.

There are both good and bad ways to find auto insurance online so we’re going to tell you the proper way to compare rates for your Mercedes-Benz and get the cheapest rates either online or from local insurance agents.

You should make it a habit to price shop coverage on a regular basis because prices go up and down regularly. Just because you had the lowest rates on E-Class coverage a couple years back the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

Ten discounts to earn cheaper insurance coverage rates

Companies that sell car insurance don’t always publicize every discount in a way that’s easy to find, so here is a list some of the best known and the harder-to-find credits that you can use to lower your rates.

• Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
• Theft Deterent Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen and earn discounts up to 10% off your car insurance quote.
• Air Bag Discount – Vehicles equipped with air bags may qualify for discounts up to 30%.
• Federal Government Employee – Having worked for a branch of the government may reduce rates when you quote car insurance on E-Class coverage with some insurance coverage companies.
• Online Discount – Many larger companies will give you a small discount just for signing your application on their website.
• Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
• Senior Citizen Discount – Older drivers may be able to get reduced rates on E-Class coverage.
• Homeowners Savings – Just being a homeowner can save you money since home ownership is proof of financial responsibility.
• Driving Data Discount – Insureds that choose to allow their company to track their driving habits by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they exhibit good driving behavior.
• New Vehicle Savings – Insuring a new car may earn a small discount since newer vehicles have better safety ratings.

Consumers should know that most discount credits are not given to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

To locate insurance coverage companies with significant discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For instance, these questions might point out if your insurance needs would benefit from professional advice.

• Why do I only qualify for high-risk insurance?
• Why is insurance for a teen driver so high?
• Does my 2017 Mercedes-Benz E-Class need full coverage?
• Am I covered if I hit a deer?
• What is roadside assistance coverage?
• Am I covered when driving a rental car?
• If I drive on a suspended license am I covered?
• Does my insurance cover a custom paint job?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Detailed coverages of your insurance policy

Learning about specific coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills like funeral costs, nursing services, rehabilitation expenses, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

Liability coverage will cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as court costs, loss of income, structural damage, pain and suffering and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision protection

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

Collision coverage protects against things like damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane, hail damage and a tree branch falling on your vehicle. The most 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 dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz E-Class.

Because many people 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 very important. Normally these limits are similar to your liability insurance amounts.

What is YOUR best insurance company?

You just learned some good ideas how you can compare 2017 Mercedes-Benz E-Class insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the more likely it is that you will get a better rate. Consumers may even find the lowest auto insurance rates are with a small local company.

Consumers leave their current company for a variety of reasons including poor customer service, an unsatisfactory settlement offer, delays in responding to claim requests or unfair underwriting practices. Regardless of your reason for switching companies, finding a new car insurance company is actually quite simple.

As you shop your coverage around, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

Much more information about car insurance is located on the following sites:

• Child Safety FAQ (iihs.org)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Booster Seat Ratings (iihs.org)
• Teen Driving and Texting (State Farm)
• Medical Payments Coverage (Liberty Mutual)