Nobody that owns a car gets a kick out of paying for insurance, particularly when the prices are way too high. There are many insurers to buy insurance from, and although it’s a good thing to have a choice, so many choices can make it hard to compare rates.
Most companies allow you to get prices for coverage on the web. Comparing prices online doesn’t take much effort as you just type in your required coverages as requested by the quote form. Once you submit the form, the system orders credit information and your driving record and generates pricing information determined by many factors. Quoting online helps simplify price comparisons, but having to visit several different sites and type in the same information is repetitive and time-consuming. But it’s necessary to have as many quotes as possible in order to find the lowest possible prices on car insurance.
An easier way to lower your car insurance bill uses one form that analyzes rates from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable and efficient. As soon as you send your information, it gets priced and you can select any one of the quotes returned.
If the quotes result in lower rates, it’s easy to complete the application and buy the policy. It just takes a couple of minutes and can result in significant savings.
In order to get comparison pricing now, click here to open in new window and enter your vehicle and coverage information. If you currently have coverage, we recommend that you enter the coverage information exactly as shown on your declarations page. This ensures you will have an apples-to-apples comparison for similar insurance coverage.
Consumers constantly see and hear ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. All the ads make the point that you can save if you get a free insurance quote and switch your insurance policy to them.
It sounds good, but how can they all offer you a better deal?
All companies have a preferred profile for the type of insured that will generate a profit. For instance, a desirable risk might be between the ages of 30 and 50, has few claims, and has excellent credit. Any driver who matches that profile will get very good rates and is almost guaranteed to save quite a bit of money when switching.
Potential customers who don’t measure up to the “perfect” profile will see higher prices which leads to the customer not buying. The ads state “drivers who switch” not “everyone that quotes” save that kind of money. That is how companies can state the savings.
This illustrates why you really need to get a wide range of price quotes. It is impossible to predict which company will have the best rates for your profile.
Car insurance can cost a lot, but there are discounts available to help bring down the price. Certain discounts will be applied at the time of purchase, but a few must be inquired about before being credited. If they aren’t giving you every credit you qualify for, you are throwing money away.
One last thing about discounts, most credits do not apply to all coverage premiums. Some only apply to specific coverage prices like comprehensive or collision. Despite the appearance that you can get free auto insurance, company stockholders wouldn’t be very happy.
A partial list of companies that may offer quotes with these money-saving discounts may include but are not limited to:
Before buying, ask each company or agent what discounts are available to you. Some credits may not apply to policies in your area.
When it comes to buying the best insurance coverage coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions may help you determine whether your personal situation may require specific advice.
If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Understanding the coverages of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on most insurance policies.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like theft, damage from getting keyed, a broken windshield and rock chips in glass. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2013 Mercedes-Benz E-Class.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Frequently these limits do not exceed the liability coverage limits.
Collision insurance pays for damage to your E-Class resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like backing into a parked car, colliding with a tree, sideswiping another vehicle, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Liability auto insurance
Liability coverage will cover damage that occurs to a person or their property in an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against things such as funeral expenses, attorney fees and pain and suffering. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.
Insurance for medical payments
Med pay and PIP coverage kick in for immediate expenses for doctor visits, pain medications, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
We’ve covered many ways to lower your 2013 Mercedes-Benz E-Class insurance rates. The key thing to remember is the more times you quote, the higher your chance of finding low cost insurance. Consumers could even find that the best price on insurance is with an unexpected company. Regional companies can often provide lower car insurance rates in certain areas as compared to the big name companies such as State Farm and Allstate.
As you go through the steps to switch your coverage, never skimp on coverage in order to save money. Too many times, drivers have reduced liability coverage limits to discover at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage for the lowest price but still have enough coverage for asset protection.
More detailed insurance information is available in these articles: