View 2016 Mercedes-Benz E-Class Insurance Quotes

Searching for the cheapest auto insurance rates for your Mercedes-Benz E-Class? Are you tired of trying to scrape together enough money to pay auto insurance each month? You have the same problem as the majority of other consumers.

Numerous car insurance companies battle for your insurance dollar, so it can be very hard to choose a company to find the lowest rate possible.

It’s a good habit to price shop coverage before your policy renews because rates fluctuate regularly. Despite the fact that you may have had the best deal for E-Class insurance two years ago a different company probably has better prices today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the best way to get good coverage at a lower rate.

Low cost insurance coverage

All the larger insurance coverage companies provide pricing on their websites. Comparing prices online can be done by anyone because it’s just a matter of typing in your personal and coverage information as detailed in the form. After you complete the form, the system automatically retrieves your driving record and credit report and returns a price based on these and other factors. Being able to quote online simplifies rate comparisons, but the time it takes to visit multiple sites and enter the same data into a form can be a bit repetitive. But it’s necessary to have as many quotes as possible in order to find the lowest possible prices on insurance coverage.

There is a better way to compare rates

A quicker way to locate the lowest prices is to use a quote form to return rates from multiple companies. It saves time, requires much less work on your part, and makes online price comparison much easier. After your information is entered, it is rated and you are able to buy any of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To quickly find out what other companies charge, click here to open in a new tab and complete the simple form. If you have a policy now, it’s recommended you replicate the coverage information identical to your current policy. This guarantees you will have a price comparison based on identical coverages.

The insurance coverage bait and switch

Progressive, GEICO, Allstate and State Farm seem to constantly run ads on TV and radio. All the ads tend to make the same promise that drivers can save some big amount just by switching your policy. How does each company charge lower premium rates? This is the way they can do it.

All the different companies have specific criteria for the type of driver that will generate a profit. A good example of a driver they prefer might be over the age of 40, has never had a policy lapse, and drives less than 10,000 miles a year. A customer who matches that profile will qualify for the lowest rates and will probably save a lot of money.

Drivers who don’t measure up to the ideal profile will probably have to pay higher premiums and ends up with the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone who quotes” save the amount stated. That is how companies can truthfully make those claims.

This really emphasizes why you absolutely need to get a wide range of price quotes. You cannot predict which insurance companies will be your best fit.

Get lower-cost insurance coverage with discounts

Some insurance providers do not advertise the complete list of policy discounts very well, so the following list contains some of the best known as well as some of the hidden discounts that may be available.

  • Senior Citizen Rates – If you’re over the age of 55, you may be able to get lower premium rates for E-Class insurance.
  • Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft so companies will give you a small discount.
  • Accident Forgiveness Coverage – Not really a discount, but certain companies will allow you to have one accident before raising your premiums with the catch being you have to be claim-free prior to being involved in the accident.
  • Early Switch Discount – Some insurance companies reward drivers for signing up before your current policy expires. This discount can save up to 10%.
  • Driving Data Discount – Policyholders that allow their company to track driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts can save a little off the medical payments premium.
  • Low Mileage – Fewer annual miles on your Mercedes-Benz may allow you to get lower prices on the low mileage vehicles.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you could save at least 10% off all policies.

We need to note that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will reduce your overall bill.

Popular insurance coverage companies and some of their more popular discounts are detailed below.

  • Progressive offers discounts for homeowner, good student, multi-vehicle, continuous coverage, online signing, and multi-policy.
  • MetLife discounts include multi-policy, defensive driver, good student, accident-free, claim-free, good driver
  • Mercury Insurance offers discounts including professional/association, anti-theft, multi-car, good driver, age of vehicle, and ease of repair.
  • Nationwide policyholders can earn discounts including anti-theft, easy pay, multi-policy, defensive driving, family plan, and accident-free.
  • GEICO includes discounts for defensive driver, membership and employees, military active duty, anti-theft, anti-lock brakes, and driver training.
  • AAA has discounts for multi-car, AAA membership discount, good driver, pay-in-full, anti-theft, and multi-policy.

When comparing rates, check with every prospective company how many discounts you can get. Some discounts might not be available to policyholders in your state. If you would like to see a list of companies who offer online insurance coverage quotes, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover whether or not you may require specific advice.

  • Are my friends covered when driving my 2016 Mercedes-Benz E-Class?
  • When would I need additional glass coverage?
  • Is business equipment covered while in my vehicle?
  • Can I make deliveries for my home business?
  • Does my liability insurance cover pulling a trailer or camper?
  • What is the rate difference between pleasure use and commuting?
  • Should I sign the liability waiver when renting a car?
  • Can my teen drive my company car?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Learn about insurance coverages for a 2016 Mercedes-Benz E-Class

Knowing the specifics of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Coverage for collisions

This coverage pays for damage to your E-Class caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with a tree, driving through your garage door, rolling your car, crashing into a ditch and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage can cover injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims such as structural damage, funeral expenses and medical services. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for doctor visits, ambulance fees, chiropractic care, hospital visits and funeral costs. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a deer, fire damage and damage from getting keyed. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2016 Mercedes-Benz E-Class.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

A little work can save a LOT of money

When getting insurance quotes online, it’s a bad idea to sacrifice coverage to reduce premiums. There have been many situations where an insured cut comprehensive coverage or liability limits only to regret at claim time they didn’t have enough coverage. Your aim should be to purchase a proper amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

Lower-priced insurance can be sourced online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies do not provide online quoting and many times these smaller companies prefer to sell through local independent agencies.

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