2000 Mercedes-Benz E-Class Car Insurance Cost – 10 Discounts for Best Prices

Want cheaper insurance coverage rates for your Mercedes-Benz E-Class? No one in their right mind enjoys paying for insurance coverage, in particular when the price is too high. Insurance companies such as Progressive, State Farm and Geico all claim big savings with advertising and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you have a current auto insurance policy or are looking for a new policy, you can learn to find the best rates and possibly find even better coverage. Finding affordable coverage is easy if you know what you’re doing. Drivers only need an understanding of how to buy auto insurance online.

Compare Quotes for Insurance Coverage

All the larger insurance coverage companies like 21st Century, Allstate and State Farm allow you to get price estimates online. Obtaining pricing doesn’t take much effort as you just type in the coverages you want as requested by the quote form. After you submit the form the system pulls reports for credit and driving violations and returns pricing information determined by many factors. Being able to quote online makes it a lot easier to compare rates but the time required to go to many different websites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to perform this step if you want to find lower prices.

There is a better way to compare rates

The preferred way to get multiple rate quotes is to use a quote form that gets prices from a bunch of companies at once. The form is fast, requires less work, and makes online shopping much more efficient. Once the form is submitted, it is rated and you can select any of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. The entire process just takes a couple of minutes and you will find out if you’re overpaying now.

To find out what other companies charge, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend that you enter deductibles and limits exactly as shown on your declarations page. Doing this assures you will have comparison quotes for similar coverage.

Are you getting all your discounts?

Auto insurance companies don’t always publicize every available discount very well, so we break down some of the best known and the more hidden auto insurance savings. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • New Car Discount – Insuring a new car can be considerably cheaper since new cars are generally safer.
  • Organization Discounts – Participating in certain professional organizations could trigger savings when shopping for auto insurance for E-Class insurance.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts can receive discounts of more than 20%.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Save over 55 – Older drivers may receive a discount up to 10% for E-Class insurance.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Safety Course Discount – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Auto/Home Discount – When you have multiple policies with the same insurance company you may earn 10% to 20% off each policy.
  • No Claims – Drivers who don’t have accidents pay less compared to frequent claim filers.

Consumers should know that most credits do not apply to the entire cost. The majority will only reduce individual premiums such as collision or personal injury protection. So when the math indicates you can get free auto insurance, you’re out of luck.

Car insurance companies that possibly offer these money-saving discounts are:

It’s a good idea to ask each company what discounts are available to you. All car insurance discounts may not apply in every state.

When might I need an agent?

When choosing the right insurance coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Can I afford to pay high deductible claims out of pocket?
  • What if I total my 2000 Mercedes-Benz E-Class and owe more than it’s worth?
  • Who is covered when they drive my 2000 Mercedes-Benz E-Class?
  • Does my 2000 Mercedes-Benz E-Class need full coverage?
  • Should I have combined single limit or split liability limits?
  • Does my policy cover me when driving someone else’s vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Does liability extend to a camper or trailer?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to 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. It only takes a few minutes and you can get the answers you need.

Coverages available on your insurance policy

Having a good grasp of insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Collision coverages – Collision insurance will pay to fix damage to your E-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, colliding with a tree, crashing into a building, scraping a guard rail and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, a tree branch falling on your vehicle and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverage – This will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which means $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.

Liability insurance covers things like attorney fees, pain and suffering, repair costs for stationary objects, emergency aid and structural damage. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses like hospital visits, EMT expenses and X-ray expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Buy Smart and Save

We just presented many ways to compare 2000 Mercedes-Benz E-Class insurance prices online. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Drivers may discover the lowest premiums are with a lesser-known regional company. They often have lower prices on specific markets than the large multi-state companies such as Geico and State Farm.

Discount insurance is available from both online companies as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some insurance providers don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

For more information, take a look at the resources below: