Lower Your 1999 Mercedes-Benz E-Class Insurance Quotes

Trying to find the cheapest car insurance rates for your Mercedes-Benz E-Class? Searching for the cheapest insurance for your Mercedes-Benz E-Class can normally be a painful process, but you can learn a few tricks to save time.

There are both good and bad ways to buy car insurance so we’re going to tell you the proper way to price shop coverage for a new or used Mercedes-Benz and find the lowest price either online or from local insurance agents.

It’s a great practice to do rate comparisons before your policy renews because prices go up and down regularly. Even if you got the best rates on E-Class coverage six months ago the chances are good that you can find a lower rate today. Starting right now, ignore everything you know about car insurance because we’re going to show you the easiest way to remove unneeded coverages and save money.

If you have a policy now or are looking for a new policy, you can use these tips to get lower rates while maintaining coverages. Finding the best insurance is easy if you know what you’re doing. Drivers just need to understand the proper methods to get comparison quotes on the web.

Save big with these discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Most are applied at quote time, but less common discounts must be specifically requested prior to receiving the credit. If you’re not getting every credit possible, you’re paying more than you need to.

  • Multi-car Discount – Buying insurance for more than one vehicle on one policy may reduce the rate for each vehicle.
  • No Charge for an Accident – 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.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on E-Class coverage.
  • Discount for New Cars – Adding a new car to your policy can be considerably cheaper due to better safety requirements for new cars.
  • Homeowners Pay Less – Simply owning a home can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
  • Bundle and Save – When you combine your home and auto insurance with one company you could get a discount of up to 20% off your total premium.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like comprehensive or collision. So even though they make it sound like all the discounts add up to a free policy, it just doesn’t work that way. Any qualifying discounts will help reduce your premiums.

Car insurance companies that may have some of the above discounts are:

Before buying, ask each company which discounts you may be entitled to. Savings may not apply in every state.

But I don’t know anything about car insurance

When choosing the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your insurance needs will benefit from professional help.

  • How high should deductibles be on a 1999 Mercedes-Benz E-Class?
  • Should I buy only the required minimum liability coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How does medical payments coverage work?
  • When would I need rental car insurance?
  • Is my trailer covered?
  • Can my teen driver be rated on a liability-only vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • How much can I save by bundling my policies?
  • Do I need medical payments coverage since I have good health insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and may give you better protection.

Auto insurance coverages

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability insurance

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as medical services, bail bonds, attorney fees, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, sideswiping another vehicle, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills for EMT expenses, chiropractic care, prosthetic devices, surgery and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, damage from flooding and hitting a bird. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Stretch your dollar

Insureds switch companies for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, questionable increases in premium or delays in responding to claim requests. Regardless of your reason for switching companies, switching auto insurance companies is pretty simple and you could end up saving a buck or two.

You just learned a lot of ways to get a better price on 1999 Mercedes-Benz E-Class insurance. The key thing to remember is the more you quote, the higher your chance of finding lower rates. Drivers may discover the best prices are with the smaller companies.

Cost effective insurance is possible from both online companies in addition to many insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

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