Cheaper 2014 Mercedes-Benz E-Class Insurance Quotes

Having to pay for overpriced insurance can sap your checking account, especially in this economy. Price shopping at each renewal can help to ensure you are getting the best deal.

Multiple auto insurance companies compete for your business, so it’s not easy to compare every provider and uncover the absolute best rates possible.

It’s important to shop coverage around every six months since insurance prices change frequently. If you had the best deal for E-Class insurance a few years ago you can probably find a lower rate today. Forget all the misinformation about insurance because you’re going to get a crash course in how to use the internet to save on insurance.

If you have a current insurance coverage policy or are just looking to switch companies, you can learn to reduce the price you pay and still get good coverage. Finding affordable coverage is not that difficult. Drivers just need to understand the proper methods to buy insurance coverage online.

Low cost car insurance quotes online

Getting cheap 2014 Mercedes-Benz E-Class car insurance pricing is actually easier than you may think. Just take a few minutes to compare rate quotes from some recommended companies. This can easily be done in a couple of different ways.

The single most time-saving way consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for separate quote forms for every prospective company. A single, simple form gets coverage cost estimates instantly.

A less efficient way to shop for car insurance online is to manually visit each company’s website and fill out their own quote form. For examples sake, we’ll pretend you want comparison quotes from GEICO, Liberty Mutual and Progressive. In order to get each rate, you would have to spend time going to each site individually and punch in your information repeatedly, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

The hardest method to compare price estimates is to spend time driving to different agent offices. The fact that you can get quotes online eliminates this option unless you prefer the extra assistance of a licensed agent. If you prefer, some companies allow you to comparison shop online but buy the policy through an agent.

Compare rates however you want, just double check that you are using equivalent quote data on every price quote you get. If you compare different coverage information then you won’t be able to make an equal comparison.

Discount car insurance quotes

Some companies don’t always publicize all disounts in a way that’s easy to find, so the list below details some of the more common and also the lesser-known ways to save on car insurance. If you are not receiving all the discounts you qualify for, you’re just leaving money on the table.

  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for E-Class insurance compared to accident prone drivers.
  • Professional Memberships – Affiliation with qualifying employment or professional organizations can get you a small discount on your next renewal.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. You can use this discount normally up until you turn 25.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper because newer vehicles are generally safer.
  • Discount for Swiching Early – Some larger companies reward drivers for switching to them before your current policy expires. It could save around 10% when you buy insurance coverage online.
  • Government Employee Discount – Being employed by or retired from a federal job could provide a small rate reduction for E-Class insurance with certain companies.
  • Telematics Data – Insureds who allow driving data collection to analyze their driving habits by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
  • Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • No Claims – Claim-free drivers pay much less compared to accident-prone drivers.
  • ABS Braking Discount – Cars with ABS and/or traction control can avoid accidents so you can save 10 percent or more.

As is typical with insurance, most discounts do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, nobody gets a free ride.

If you would like to see a list of providers that offer the discounts shown above, click this link.

The Mercedes-Benz E-Class insurance cost equation

Many different elements are used in the calculation when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other criteria are not as apparent like where you live or your vehicle rating.

The factors shown below are some of the things used by insurance companies to determine your prices.

  • Bad driving means higher prices – How you drive has a big impact on rates. Good drivers receive lower rates as compared to careless drivers. Having a single speeding ticket or other violation may increase your cost by as much as thirty percent. Drivers who have received careless citations like DUI or willful reckless driving may be required to complete a SR-22 with their state DMV in order to continue driving.
  • Don’t skimp on liability insurance – A critical coverage on your policy, liability insurance is the protection when you are determined to be liable for damages from an accident. Your liability coverage provides for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Improve your credit rating – A driver’s credit rating is a large factor in determining your rates. If your credit score is not that good, you could pay less to insure your 2014 Mercedes-Benz E-Class by improving your credit score. Drivers with excellent credit scores tend to be better risks to insure than drivers who have bad credit.
  • Better rates with anti-theft devices – Driving a car with an alarm system can save you some money. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Single vs. married – Having a spouse helps lower the price when shopping for car insurance. Having a significant other demonstrates that you tend to be less irresponsible and statistics prove being married results in fewer claims.
  • Are you male or female? – Statistics show that females take fewer risks when driving. That doesn’t necessarily mean that males are worse at driving than females. Both sexes are in fender benders at a similar rate, but men tend to have more serious accidents. Men also statistically have more aggressive citations like DWI (DUI) or reckless driving.
  • Experienced drivers pay less – Young drivers are statistically shown to be more careless with other occupants in the car so car insurance rates are higher. Having to add a teenage driver to your policy can be very expensive. Older insureds are viewed as being more responsible, tend to file fewer claims .
  • Add-on coverages that aren’t used – There are quite a few optional add-on coverages that you can get tricked into buying on your car insurance policy. Coverages for rental car reimbursement, high-cost glass coverage, and motor club memberships could be just wasting money. They may seem good initially, but your money might be better spent on other coverage so consider taking them off your policy.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions may help you determine whether you will benefit from professional help.

  • Why am I required to get a high-risk car insurance policy?
  • Are rental cars covered under my policy?
  • If I drive on a suspended license am I covered?
  • Am I covered if I break a side mirror?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I have a commercial auto policy?
  • Should I sign the liability waiver when renting a car?

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, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Car insurance coverages for a Mercedes-Benz E-Class

Understanding the coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Listed below are typical coverage types available from insurance companies.

Collision coverage – Collision coverage will pay to fix damage to your E-Class caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as driving through your garage door, damaging your car on a curb, sideswiping another vehicle, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP pay for immediate expenses for things like X-ray expenses, doctor visits and prosthetic devices. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability coverage will cover damage or injury you incur to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as funeral expenses, bail bonds, legal defense fees, structural damage and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz E-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive auto coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, theft and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Be a money saver!

Lower-priced car insurance is possible on the web in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not offer online quoting and many times these regional carriers sell through local independent agencies.

Throughout this article, we presented a lot of techniques to save on 2014 Mercedes-Benz E-Class insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even discover the best price on car insurance is with the smaller companies. Some small companies often have lower auto insurance rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

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