2010 Mercedes-Benz E-Class Insurance Quotes – 7 Savings Tips

Looking for the cheapest insurance rates for your Mercedes-Benz E-Class? Tired of being strong-armed to insure your Mercedes-Benz every month? You’re in the same situation as many other drivers. Many insurers vie for your business, and it can be difficult to compare rates to discover the definitive lowest rate

Compare Quotes for Car Insurance

Getting a lower price on 2010 Mercedes-Benz E-Class insurance can be quick and easy. You just have to take time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

  • The recommended way to get quotes would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate quotation requests for each company you want a rate for. One quote request will get you rate comparisons from many national carriers.
  • A different way to compare rate quotes requires a trip to each individual company website to complete their respective quote request forms. For instance, let’s say you want comparison quotes from State Farm, Progressive and Allstate. To get rate quotes you would need to visit each site to input your insurance information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  • The least efficient method of getting rate comparisons is to spend time driving to local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you have a need for the personal advice of a licensed agent. However, consumers can comparison shop online but buy from a local insurance agent and we’ll talk about that later.

Whichever way you use, ensure you’re using exactly the same deductibles and coverage limits for each price quote. If you are comparing different deductibles you can’t possibly make an equal comparison.

Lots of discounts mean lots of savings

Auto insurance companies do not list every discount in an easy-to-find place, so here is a list some of the more common and the more hidden ways to save on insurance. If they aren’t giving you every credit possible, you are throwing money away.

  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The good student discount can last up until you turn 25.
  • One Accident Forgiven – Certain companies will allow you to have one accident before your rates go up if you are claim-free prior to the accident.
  • No Accidents – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on E-Class insurance than their less cautious counterparts.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy life insurance.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.

Consumers should know that most discount credits are not given to the entire cost. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky.

To see a list of insurers with discount insurance rates, click this link.

Situations that might require an agent

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • When should I not file a claim?
  • Which is better, split liability limits or combined limits?
  • What can I do if my company denied a claim?
  • Do I pay less for low miles?
  • Is business equipment covered while in my vehicle?
  • Can I afford to buy a different vehicle if my 2010 Mercedes-Benz E-Class is totaled?
  • Does medical payments coverage apply to all occupants?
  • Do I need replacement cost coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Auto insurance coverages

Knowing the specifics of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages available from insurance companies.

Collision protection

Collision insurance pays for damage to your E-Class from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a building, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like doctor visits, ambulance fees and X-ray expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health 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 not an option in every state but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Mercedes-Benz E-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability insurance

Liability insurance provides protection from damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. 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. As an example, you may have limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles, loss of income and structural damage. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as rock chips in glass, a broken windshield, vandalism and hail damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Final considerations

The cheapest 2010 Mercedes-Benz E-Class insurance is definitely available both online in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you a lot of tips how to reduce insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the best price on insurance coverage is with some of the smallest insurance companies. They often have lower prices on specific markets compared to the large companies like Geico and State Farm.

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