2011 Mercedes-Benz E-Class Car Insurance Quotes

Tired of robbing Peter to pay Paul to insure your Mercedes-Benz every month? Your situation is no different than the majority of other car owners. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurer to find the lowest price

If you have insurance now or are shopping for new coverage, you will benefit by learning to find the best rates while maintaining coverages. Finding affordable coverage is not that difficult. Consumers just need to understand the proper methods to shop for auto insurance over the internet.

Pay less for Mercedes-Benz E-Class insurance

Companies don’t always advertise all available discounts very well, so we researched some of the best known and also the lesser-known insurance savings. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Discount for Good Grades – This discount can save 20 to 25%. The discount lasts up until you turn 25.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Homeowners Pay Less – Being a homeowner may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • One Accident Forgiven – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Discount for Swiching Early – Select companies give a discount for buying a policy before your current expiration date. The savings is around 10%.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts could save 15% off your medical payments premium.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. A few only apply to specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurers with the best insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help you determine if your insurance needs will benefit from professional help.

  • Does my policy cover me when driving someone else’s vehicle?
  • If my pet gets injured in an accident are they covered?
  • Do I need replacement cost coverage on my 2011 Mercedes-Benz E-Class?
  • Should I have a commercial auto policy?
  • Is a blown tire covered by insurance?
  • Do I benefit by insuring my home with the same company?
  • Am I covered when pulling a rental trailer?
  • What is no-fault insurance?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the normal coverages available from car insurance companies.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2011 Mercedes-Benz E-Class.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive (Other than Collision)

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

Comprehensive can pay for things such as hitting a deer, hitting a bird and damage from flooding. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for dental work, ambulance fees, X-ray expenses, hospital visits and nursing services. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as medical expenses, court costs, loss of income and legal defense fees. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Collision protection

This covers damage to your E-Class resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like backing into a parked car, sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Quote more. Save more.

Discount 2011 Mercedes-Benz E-Class insurance can be bought online as well as from independent agents, so you should compare both to have the best chance of lowering rates. Some car insurance companies don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned a lot of techniques to compare insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest premiums are with a small mutual company. They may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

More detailed car insurance information is available at these sites: