Cheaper 2012 Mercedes-Benz E-Class Car Insurance Quotes

Looking for the cheapest car insurance rates for your Mercedes-Benz E-Class? Have you finally had enough of not being able to afford to keep your car insured? You are no different than many other consumers.

Many car insurance companies compete for your business, so it’s not easy to compare every insurance company to discover the definitive lowest price

It is always a good idea to shop coverage around before your next renewal since prices change frequently. Despite the fact that you may have had the lowest rates on E-Class insurance six months ago a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because you’re about to learn the best methods to lower your rates without sacrificing coverage.

The Mercedes-Benz E-Class insurance premium equation

Many factors are used in the calculation when pricing auto insurance. Some are pretty understandable like your driving record, although others are less obvious such as your credit history and annual miles driven.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that help calculate the level of your policy premiums. If you have a feel for what positively or negatively impacts your premiums, this enables you to make decisions that can earn you big savings.

  • Avoid policy lapses – Not maintaining insurance is a misdemeanor and companies may charge more for letting your coverage have a gap. Not only will you pay more, failure to provide proof of insurance could earn you a steep fine or even jail time.
  • Add-on coverages can cost a lot – Insurance companies have many optional add-on coverages that can waste your money on your E-Class policy. Coverages like rental car reimbursement, towing, and extra equipment coverage may be costing you every month. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so get rid of them and save.
  • Too many claims drive up rates – If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Car insurance companies generally give better rates to policyholders who are claim-free. Auto insurance is designed for the large, substantial claims.
  • Rates may be higher where you live – Choosing to live in a rural area has it’s advantages when shopping for auto insurance. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims. People who live in big cities have more traffic problems and higher rates of accident claims. More time commuting means a statistically higher chance of an accident.
  • Insurance coverage rates and age – Older drivers are more responsible, statistically cause fewer accidents and are safer drivers.Youthful drivers are statistically shown to be easily distracted when at the wheel of a vehicle so they pay higher insurance coverage rates.
  • Insure car and home with the same company – Most insurers will give lower prices to insureds who have multiple policies with them in the form of a multi-policy discount. Discounts can amount to 10 percent or more. Even if you already get this discount, consumers should still compare other company rates to confirm you are receiving the best rates possible.
  • Your career may increase rates – Did you know your career choice can influence rates? Occupations such as military generals, social workers and financial analysts have higher premium rates attributed to high stress levels and incredibly demanding work hours. On the flip side, jobs like scientists, historians and the unemployed have the lowest average rates on E-Class insurance.

Drivers save money with these discounts

Companies offering auto insurance don’t list all their discounts very well, so here is a list both well-publicized in addition to some of the lesser obvious credits that may apply to you.

  • Multiple Policy Discount – If you insure your home and vehicles with the same company you could earn a discount of at least 10 to 15 percent or more.
  • Savings for New Vehicles – Buying auto insurance coverage on a new vehicle may earn a small discount because newer vehicles are generally safer.
  • Drivers Ed for Students – Have your child take driver’s ed class as it will make them better drivers and lower rates.
  • Theft Deterent Discount – Cars equipped with anti-theft or alarm systems are less likely to be stolen and therefore earn up to a 10% discount.
  • Online Discount – A few auto insurance companies provide a small discount for buying your policy on their website.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may qualify for discounts of up to 25% or more.
  • Active Service Discounts – Having a family member in the military can result in better auto insurance rates.
  • Discount for Good Grades – Excelling in school may save you up to 25%. Many companies even apply the discount to college students until age 25.

Discounts save money, but please remember that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. So even though you would think it’s possible to get free car insurance, it just doesn’t work that way.

Large auto insurance companies and some of the premium reductions they offer include:

  • GEICO may have discounts that include defensive driver, five-year accident-free, anti-lock brakes, good student, daytime running lights, and seat belt use.
  • Travelers discounts include IntelliDrive, multi-policy, continuous insurance, early quote, good student, and student away at school.
  • Nationwide includes discounts for business or organization, Farm Bureau membership, easy pay, anti-theft, good student, defensive driving, and multi-policy.
  • Farmers Insurance offers discounts including bundle discounts, alternative fuel, distant student, teen driver, and pay in full.
  • Esurance offers premium reductions for homeowner, safety device, good student, Switch & Save, DriveSense, and Pac-12 alumni.
  • State Farm has savings for anti-theft, multiple autos, passive restraint, Drive Safe & Save, student away at school, Steer Clear safe driver discount, and safe vehicle.
  • Progressive has discounts for homeowner, online quote discount, multi-policy, continuous coverage, online signing, and good student.
  • Mercury Insurance policyholders can earn discounts including age of vehicle, low natural disaster claims, multi-policy, accident-free, and good student.

When comparing rates, check with all the companies to apply every possible discount. Discounts might not be available to policyholders in your state. To locate providers who offer online auto insurance quotes, click this link.

Special considerations

When it comes to choosing the right insurance coverage for your vehicles, there really is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you might need professional guidance.

  • Is my Mercedes-Benz E-Class covered if I use it for business?
  • Why am I required to buy liability insurance?
  • Do I need rental car coverage?
  • Do I need medical payments coverage since I have good health insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is the difference between comprehensive and collision coverage?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

The coverage is in the details

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average insurance policy.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for bills for things like nursing services, dental work and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. 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 values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical services, legal defense fees, bail bonds, structural damage and medical expenses. How much coverage you buy is your choice, but buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, theft, a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Collision protection

This coverage pays for damage to your E-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a mailbox, colliding with a tree, damaging your car on a curb, backing into a parked car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Shop. Compare. Save.

When buying insurance coverage, do not buy poor coverage just to save money. There are many occasions where consumers will sacrifice liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy enough coverage for the lowest price.

Throughout this article, we presented a lot of ways to compare 2012 Mercedes-Benz E-Class insurance premium rates online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

More tips and info about auto insurance can be read in the articles below: