2006 Mercedes-Benz E-Class Insurance Rates – 10 Tricks for Best Quotes

Tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than millions of other consumers.

Online insurance companies like State Farm, Allstate, Geico and Progressive continually hit you with catchy ads and it is challenging if not impossible to not get sucked in by the cute commercials and find the best price available.

It’s a good habit to check insurance coverage prices yearly since insurance rates fluctuate regularly. Just because you had the best deal on E-Class insurance on your last policy you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to find out how to quote online to buy cheaper insurance coverage.

Insurance Coverage Prices

There are several ways to get quotes and find the best price. The simplest method to compare 2006 Mercedes-Benz E-Class insurance prices is to perform an online rate comparison. It is quite easy and can be accomplished in a couple of different ways.

  1. The best way to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating separate forms for each company. Taking the time to complete one form gets rate comparisons from several companies.
  2. A different way to compare rate quotes consists of visiting the website of each company to complete a price quote. For example, let’s say you want to compare USAA, Progressive and Liberty Mutual. To get rate quotes you would need to go to every website to enter your coverage information, which is why the first method is quicker. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way to get comparison rates is driving to insurance agents’ offices. The internet makes this process obsolete unless you prefer the personal advice only provided by licensed agents. It is possible to comparison shop online but still have the advice of a local agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make sure you use the exact same coverage information on every quote. If your comparisons have mixed coverages it will be next to impossible to determine the best price for your Mercedes-Benz E-Class. Quoting even small variations in limits can make a big difference in price. And when quoting insurance coverage, remember that quoting more will increase your chances of finding the best rates.

Can switching companies really save?

Insurance coverage companies such as Progressive, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to make an identical promise that you’ll save big if you switch your policy. How can each company say the same thing? It’s all in the numbers.

Insurance companies can use profiling for the driver that earns them a profit. An example of a driver they prefer might be between 30 and 50, owns a home, and drives less than 10,000 miles a year. A driver who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Drivers who don’t qualify for these standards will have to pay a higher premium and this can result in the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can confidently claim big savings.

Because of the profiling, you should get a wide range of price quotes. It’s impossible to know which company will provide you with the cheapest Mercedes-Benz E-Class insurance rates.

Take advantage of discounts

Insurance can be prohibitively expensive, but you may find discounts to help offset the cost. Certain discounts will be applied when you complete an application, but some may not be applied and must be specifically requested before being credited.

  • Club Memberships – Affiliation with a civic or occupational organization may earn a discount when shopping for car insurance on E-Class insurance.
  • Multiple Cars – Having all your vehicles on the same car insurance policy can get a discount on all vehicles.
  • Passive Restraints – Factory air bags can get savings up to 30%.
  • Early Signing – A few companies offer discounts for switching policies before your current policy expires. This can save 10% or more.
  • Drive Less and Save – Driving fewer miles can earn discounted rates on garaged vehicles.
  • Seat Belt Usage – Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
  • No Charge for an Accident – A few companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Homeowners Savings – Being a homeowner may trigger a car insurance policy discount because of the fact that having a home shows financial diligence.

Consumers should know that most discount credits are not given to the entire cost. Most only cut specific coverage prices like medical payments or collision. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will reduce your premiums.

To see a list of companies who offer car insurance discounts, follow this link.

How to know if you need help

When it comes to buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that These are some specific questions can aid in determining whether or not you will benefit from professional help.

  • Am I missing any policy discounts?
  • Does coverage extend to my business vehicle?
  • Does having multiple vehicles earn me a discount?
  • When should I not file a claim?
  • Do I pay less if my vehicle is kept in my garage?
  • How do I insure my teen driver?
  • How much can I save by bundling my policies?
  • How can I force my company to pay a claim?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Coverages available on your insurance policy

Knowing the specifics of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are typical coverages found on most insurance policies.

Liability car insurance

This provides protection from damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, structural damage and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

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

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, theft, a broken windshield, hail damage and damage from getting keyed. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance will pay to fix damage to your E-Class caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, backing into a parked car, driving through your garage door and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to increase the deductible to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like pain medications, nursing services and ambulance fees. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Be Smart and Buy Smart

Cheap 2006 Mercedes-Benz E-Class insurance can be bought from both online companies as well as from independent agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and these smaller companies work with independent agents.

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. Too many times, an insured cut liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The ultimate goal is to buy enough coverage at an affordable rate, not the least amount of coverage.

Additional insurance coverage information can be read at the links below