Lower Your 1996 Mercedes-Benz E-Class Insurance Quotes

Buying affordable insurance coverage over the internet can be problematic for people who are new to price shopping online. With so many choices of insurers available, how can drivers effectively compare every company to locate the best available price?

Comprehensive Car Insurance Comparison Quotes

There are multiple methods to shop for 1996 Mercedes-Benz E-Class car insurance, but some are less labor-intensive and much quicker. You could spend the better part of a day driving to insurance companies in your area, or you could use the internet to get rates in a matter of minutes.

All the larger companies participate in an industry program where insurance shoppers enter their coverage request one time, and every company can provide price quotes based on the submitted data. This saves time by eliminating quote requests to each individual car insurance company.

To compare 1996 Mercedes-Benz E-Class rates now click here to start a free quote.

The only downside to using this type of form is you don’t know exactly the providers you want pricing from. So if you want to select specific providers to compare prices, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

However you get your quotes, be sure to compare identical coverages and limits with every price quote. If you compare mixed coverages it will be very difficult to make an equal comparison. Having just a slight variation in coverages can mean a large discrepancy in price. Just keep in mind that getting more free quotes will enable you to find the best price.

Discounts can save BIG

Companies don’t necessarily list all their discounts very well, so we researched both the well known as well as the least known savings tricks you should be using.

Early Signing – A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
Military Discounts – Being on active duty in the military may qualify for rate reductions.
Good Student Discount – This discount can be rewarded with saving of up to 25%. This discount can apply up to age 25.
Theft Prevention System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance coverage rates on E-Class insurance.
Accident Waiver – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.

As a disclaimer on discounts, most credits do not apply the the whole policy. Most only cut individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, you’re out of luck.

To see a list of providers who offer insurance coverage discounts, follow this link.

Will just any policy work for me?

When buying coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

When would I need rental car insurance?
Should I have a commercial auto policy?
Do I have coverage for damage caused while driving under the influence?
Should I buy only the required minimum liability coverage?
Are split liability limits better than a combined single limit?
Am I covered if my car is in a flood?
Does my insurance cover my expensive audio equipment?
What are the financial responsibility laws in my state?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form.

Factors influencing Mercedes-Benz E-Class insurance rates

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for auto insurance. Understanding what influences your rates enables informed choices that may reward you with big savings.

The list below includes some of the factors auto insurance companies consider when setting rates.

Where do you drive? – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Vehicles used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Double check that your auto insurance policy shows the correct driver usage, because it can save money. Incorrect usage on your E-Class can result in significantly higher rates.
Special features that cut premiums – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
Teen drivers pay high rates – Older insureds are viewed as being more responsible, file fewer claims and receive fewer citations. Teen drivers have a tendency to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
Your credit rating is important – Having a bad credit score is a big factor in your rate calculation. So if your credit is lower than you’d like, you could be paying less to insure your 1996 Mercedes-Benz E-Class by spending a little time repairing your credit. People with good credit tend to be more responsible than drivers with poor credit.
Marriage brings a discount – Having a wife or husband actually saves money when buying auto insurance. Marriage translates into being more mature it has been statistically shown that drivers who are married are more cautious.
Multi-policy discounts can save money – Most companies give discounts to people who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to shop around to confirm you are receiving the best rates possible. You may still be able to find better rates by splitting coverages up.
Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Careers like lawyers, business owners and accountants tend to have higher rates than average due to high stress levels and lots of time spent at work. On the flip side, occupations such as farmers, athletes and homemakers receive lower rates on E-Class insurance.

Can you really save that much by switching?

State Farm and Allstate constantly bombard you with ads on television and other media. All the companies make the same claim that you’ll save big if you switch your coverage to them. But how can every company claim to save you money?

All the different companies are able to cherry pick for the driver that is profitable for them. For example, a profitable customer could be between 30 and 50, insures multiple vehicles, and has great credit. Any new insured that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Drivers who don’t qualify for the “perfect” profile will have to pay a higher premium and this can result in the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can state the savings. Because of the profiling, you should compare as many rates as you can. You cannot predict which insurance companies will provide you with the cheapest Mercedes-Benz E-Class insurance rates.

Insurance coverage breakdown

Learning about specific coverages of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, hitting a mailbox, colliding with another moving vehicle, colliding with a tree and rolling your car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. You can also choose a higher deductible to save money on collision insurance.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as structural damage, legal defense fees, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, hitting a deer and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like dental work, doctor visits and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercedes-Benz E-Class.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

At the end of the day…

We just presented a lot of tips how to lower your 1996 Mercedes-Benz E-Class insurance rates. The key concept to understand is the more rate quotes you have, the better your chances of lowering your rates. You may even discover the most savings is with a smaller regional carrier.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone dropped full coverage only to discover later that the savings was not a smart move. Your aim should be to find the BEST coverage at the best price.

Budget-conscious insurance is attainable from both online companies and with local insurance agents, and you should be comparing both to get a complete price analysis. A few companies do not offer online price quotes and most of the time these small insurance companies sell through independent agents.