View 1997 Mercedes-Benz E-Class Car Insurance Rates

Locating cheaper insurance for your Mercedes-Benz E-Class can be difficult, but you can use the following methods to make it easier. There is a better way to find car insurance online so you’re going to learn the absolute fastest way to quote coverages on a Mercedes-Benz and find the best price possible from local insurance agents and online providers.

Why your Mercedes-Benz E-Class insurance rates may be high

Consumers need to have an understanding of some of the elements that come into play when calculating your insurance coverage rates. When you know what positively or negatively influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

  • Consolidate policies to earn discounts – Many insurers will award you with lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. This can amount to five, ten or even twenty percent. Even if you’re getting this discount it’s still a good idea to comparison shop to ensure the best deal.
  • Claim-free discounts can add up – If you file claims often, you can expect higher rates. Companies award cheaper rates to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Where you live is a factor – Being located in less populated areas can be a good thing when buying insurance coverage. Urban drivers have to deal with much more traffic and longer commute times. Lower population means a lower chance of having an accident.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and financial analysts have higher average rates due to stressful work requirements and long work days. Conversely, occupations like actors, engineers and homemakers get better rates for E-Class insurance.
  • Lower miles equals lower premium – The higher the mileage driven in a year’s time the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars not used for work or commuting can get a lower rate than those used for commuting. If your policy improperly rates your E-Class can result in significantly higher rates. Ask your agent if your insurance coverage declarations sheet is rated on the correct usage for each vehicle, because it can save money.
  • Theft deterrents lower rates – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.
  • Increase deductibles and save – Deductibles for physical damage represent how much money you are willing to pay before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more money you have to pay, the lower your rates will be for E-Class insurance.
  • Never allow your policy to lapse – Letting your insurance expire is a sure-fire way to increase your insurance coverage rates. Not only will rates go up, getting caught without coverage can result in a hefty fine and possibly a revoked license.

Take advantage of discounts

Companies that sell car insurance don’t necessarily list every discount very well, so the following is a list of some of the best known and also the lesser-known auto insurance savings. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • New Vehicle Savings – Buying coverage on a new vehicle can cost up to 25% less since new cars are generally safer.
  • Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Safety Course Discount – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • No Accidents – Good drivers with no accidents can save substantially as compared to drivers who are more careless.
  • Paperless Signup – Certain companies may give you up to $50 for buying your policy digitally online.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.

It’s important to note that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, it doesn’t quite work that way.

To see a list of providers with discount auto insurance rates, click here.

How to know if you need help

When it comes to buying the best car insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions can help discover whether you would benefit from professional advice.

  • What vehicles should carry emergency assistance coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my 1997 Mercedes-Benz E-Class covered for smoke damage?
  • Is my Mercedes-Benz E-Class covered if I use it for business?
  • Will my insurance pay for OEM parts?
  • I don’t drive much so do I pay less?
  • Do I need medical payments coverage since I have good health insurance?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Insurance coverage basics

Understanding the coverages of your insurance policy aids in choosing the right coverages and proper limits and deductibles. Insurance terms can be confusing and reading a policy is terribly boring.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mercedes-Benz E-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as nursing services, EMT expenses, ambulance fees, rehabilitation expenses and surgery. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Auto collision coverage

This will pay to fix damage to your E-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door, sustaining damage from a pot hole and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability

This protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, loss of income, repair costs for stationary objects, structural damage and emergency aid. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, theft and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Pennies from heaven

In this article, we covered quite a bit of information on how to reduce 1997 Mercedes-Benz E-Class insurance prices online. It’s most important to understand that the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the biggest savings come from a smaller regional carrier.

Insureds leave their current company for a number of reasons such as lack of trust in their agent, unfair underwriting practices, policy non-renewal and policy cancellation. Whatever your reason, finding a great new company is not as hard as you think.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. In many instances, drivers have reduced liability coverage limits to discover at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Much more information about insurance can be found on the following sites: