Cheap 2009 Mercedes-Benz E-Class Car Insurance Cost

Feel like you’re a prisoner to high-priced insurance? Believe me, there are a lot of people just like you who feel imprisoned by their insurance policy. Insurance companies such as Progressive, GEICO and Farmers Insurance constantly blast consumers with ad campaigns and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

Don’t overlook these car insurance discounts

Some insurance providers don’t always advertise the entire discount list in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts that you may qualify for.

  • Discounts for Federal Employees – Having worked for a branch of the government could provide a small rate reduction for E-Class insurance but check with your company.
  • Fewer Miles Equal More Savings – Low annual miles may enable drivers to earn substantially lower prices.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small discount on rates for E-Class insurance.
  • Student Driver Training – It’s a good idea to have your young drivers enroll in driver’s education in high school.
  • Life Insurance Discount – Not all companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance in addition to your auto policy.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but some companies like Progressive, State Farm and GEICO allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Online Discount – Certain larger companies give back up to $50 shop auto insurance on their website.
  • Discount for Multiple Policies – If you have multiple policies and insure them both with the same insurance company you could earn a discount of up to 20% off your total premium.

As a footnote on discounts, many deductions do not apply the the whole policy. Most cut specific coverage prices like liability, collision or medical payments. So when the math indicates you can get free auto insurance, insurance companies wouldn’t stay in business.

Insurance companies that possibly offer many of the previously listed discounts possibly include:

If you want inexpensive auto insurance quotes, ask all the companies which discounts you may be entitled to. All car insurance discounts may not be available in your area. To locate companies that can offer you the previously mentioned discounts, follow this link.

Get lower-cost insurance costs by understanding these factors

Many different elements are used in the calculation when premium rates are determined. Some factors are common sense like an MVR report, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.

The items below are most of the major factors utilized by car insurance companies to help set your premiums.

  • Liability safeguards assets – The liability section of your policy provides coverage if ever you are ruled to be at fault for causing damage or personal injury in an accident. It will provide legal defense to attempt to prove you were not liable. It is affordable coverage when compared with rates for comp and collision, so drivers should carry high limits.
  • Multiple policies with one company can save – Some insurance companies apply better rates to insureds who carry more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be 10 percent or more. Even if you qualify for this discount already, you may still want to compare rates to confirm you are receiving the best rates possible.
  • Incidental coverages push up rates – Insurance policies have a lot of add-on coverages that you can buy if you don’t pay attention. Add-on coverages like replacement cost coverage, towing, and term life insurance could be just wasting money. They may seem like a good idea when buying your policy, but if you have no use for them get rid of them and save.
  • Obey driving laws and save – Your driving citation history impacts premiums far more than you think. Careful drivers tend to pay less for car insurance than bad drivers. Having a single ticket can bump up the cost twenty percent or more. Drivers unfortunate enough to have flagrant violations such as hit and run, DWI or reckless driving convictions may be required to complete a SR-22 to the state department of motor vehicles in order to keep their license.

When to get professional advice

When it comes to buying adequate coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation might need professional guidance.

  • Is a new car covered when I drive it off the dealer lot?
  • When should my teen driver be added to my policy?
  • Where can I find high-risk insurance?
  • What is UM/UIM insurance?
  • When should I drop full coverage on my 2009 Mercedes-Benz E-Class?
  • Can I still get insurance after a DUI?

If you’re not sure about those 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, fill out this quick form or click here for a list of insurance companies in your area. It only takes a few minutes and can provide invaluable advice.

Specific coverage details

Having a good grasp of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types offered by car insurance companies.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for bills like ambulance fees, nursing services and surgery. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t 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 policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things such as court costs, emergency aid, pain and suffering, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your E-Class resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, rolling your car and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz E-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Final considerations

We just showed you many ways to save on 2009 Mercedes-Benz E-Class insurance. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small mutual company. These companies may have significantly lower prices on certain market segments than their larger competitors like Allstate or State Farm.

When searching for the cheapest auto insurance quotes, you should never buy poor coverage just to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

To learn more, feel free to browse the following helpful articles: