2018 Mercedes-Benz E-Class Insurance Rates

Getting cheap auto insurance may be somewhat difficult for drivers that are relatively new to comparison shopping on the internet. With so many insurance agents and companies competing online, how can drivers possibly compare every company in order to find the lowest price?

Finding affordable coverage is quite easy. Basically, every vehicle owner who has to buy insurance should be able to lower their premiums. But drivers need to learn how companies market on the web and use this information to your advantage.

Compare quotes for car insurance

Most major insurance companies give prices for coverage online. The process is quite easy as you simply type in your personal and coverage information as requested by the quote form. After you complete the form, their system obtains your driving and credit reports and returns a price quote based on the information you submitted.

Quoting online makes it simple to compare prices but the time required to go to multiple sites and enter the same data into a form is monotonous and tiresome. But it’s also necessary to do this in order to get the best price on car insurance.

There is an easier way to compare rates

A more efficient way to compare rates utilizes a single form to return rates from a bunch of companies at once. It’s a real time-saver, requires less work, and makes rate comparisons much more enjoyable and efficient. After sending your information, it gets priced with multiple companies and you can pick any or none of the pricing results. If you find a better price it’s easy to complete the application and purchase the new policy. This process can be completed in a matter of minutes and may save quite a bit of money.

To find out how much you can save on car insurance, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you duplicate deductibles and limits as shown on your current policy. This way, you will receive a price comparison for exact coverage.

These discounts can slash insurance coverage rates

Not many people think insurance is cheap, but you might already qualify for some discounts that many people don’t even know exist. Many discounts should be triggered at quote time, but some need to be requested specifically prior to getting the savings. If you are not receiving all the discounts available, you are just wasting money.

• Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you a break if you buy some life insurance too.
• Multiple Policy Discount – If you have multiple policies and insure them both with the same insurance company you could save at least 10% off all policies.
• Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn slightly better rates than normal.
• Early Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you may reduce your total bill.
• Air Bag Discount – Factory air bags or automatic seat belts can get savings of 20% or more.
• Senior Citizen Rates – Seniors may receive lower premium rates on E-Class coverage.

Consumers should know that most discount credits are not given to the overall cost of the policy. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Large insurance coverage companies and their possible discounts are detailed below.

• American Family discounts include bundled insurance, accident-free, good student, Steer into Savings, and mySafetyValet.
• Nationwide includes discounts for multi-policy, defensive driving, accident-free, easy pay, and good student.
• MetLife has savings for accident-free, claim-free, multi-policy, defensive driver, good student, good driver
• 21st Century offers discounts including automatic seat belts, teen driver, driver training, defensive driver, student driver, and 55 and older.
• Farmers Insurance may have discounts that include mature driver, early shopping, switch companies, teen driver, and alternative fuel.
• Allstate policyholders can earn discounts including anti-lock brakes, 55 and retired, anti-theft, economy car, new car, farm vehicle, and premier discount.

Before buying, ask each company which discounts they offer. Some discounts listed above might not be available to policyholders in every state.

When do I need an agent’s advice?

When it comes to buying coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you might need professional guidance.

• Why am I be forced to buy a membership to get insurance from some companies?
• Should I buy full coverage?
• What if I owe more than I can insure my car for?
• Should I rate my 2018 Mercedes-Benz E-Class as pleasure use or commute?
• Does insurance cover damages from a DUI accident?
• I have a DUI can I still get coverage?
• Do all my vehicles need collision coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverage information

Knowing the specifics of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Liability car insurance

Liability insurance will cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as loss of income, pain and suffering, structural damage, funeral expenses and court costs. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like hail damage, a broken windshield, theft, hitting a deer and hitting a bird. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as scraping a guard rail, crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as funeral costs, pain medications and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage