2013 Mercedes-Benz E-Class Insurance Quotes

Looking for better insurance coverage rates for your Mercedes-Benz E-Class? Scraping up a payment for overpriced Mercedes-Benz E-Class insurance can dwindle your checking account and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to help make ends meet.

Multiple insurance companies compete for your business, so it’s not easy to compare every insurance company and get the definite lowest cost out there.

Consumers need to price shop coverage occasionally due to the fact that insurance rates tend to go up over time. Just because you found the best deal for E-Class insurance last year there may be better deals available now. Forget all the misinformation about insurance coverage because we’re going to demonstrate the only way to reduce your cost while improving coverage.

If you have car insurance now, you will be able to save some money using these tips. Buying car insurance is easy if you know what you’re doing. But consumers need to learn the way insurance companies sell online and take advantage of how the system works.

Insurance Coverage Comparisons

Comparing insurance coverage rates can be challenging if you aren’t aware of the most efficient way. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the larger companies enroll in a system that allows shoppers to submit their information once, and at least one company then returns a price quote based on that information. This prevents consumers from doing repetitive form submissions to each company.

To find out how much you’re overpaying now click to open in new window.

The single downside to doing it this way is buyers cannot specifically choose the insurers you will receive quotes from. So if you want to select specific providers to request quotes from, we have a listing of insurance coverage companies in your area. Click here to view list.

However you get your quotes, ensure you are comparing apples-to-apples information for each comparison quote. If you use mixed coverages it will be impossible to decipher which rate is best. Just a small difference in limits can make a big difference in price. Just remember that more quotes will enable you to find the best offered rates.

Don’t be fooled by advertising claims

Companies like Progressive, Geico, Allstate and State Farm consistently run ads on TV and radio. All the ads make the same claim about savings if you change to their company. But how can every company claim to save you money? It’s all in the numbers.

All companies can use profiling for the type of customer they prefer to insure. For instance, a driver they prefer could possibly be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Any new insured who matches those parameters is entitled to the best price and most likely will save when switching.

Consumers who don’t measure up to the “perfect” profile must pay higher prices which usually ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much. That is how insurance companies can confidently state the savings. This illustrates why you absolutely need to compare as many rates as you can. Because you never know which insurance companies will fit your personal profile best.

Mercedes-Benz E-Class insurance premiums are calculated by many factors

Smart consumers have a good feel for some of the elements that help determine the price you pay for insurance. Understanding what determines base rates enables informed choices that could result in better insurance rates.

  • High deductibles save money – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Mercedes-Benz from damage. Examples of covered claims would be running into the backend of another car, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket before your insurance pays a claim. The higher the amount you’re willing to pay, the less your insurance will be for E-Class insurance.
  • No coverage gaps is important – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance may earn you a steep fine or even jail time.
  • Poor driving leads to higher costs – Your driving citation history has a lot to do with how much you pay for insurance. Good drivers have lower premiums than bad drivers. Just one citation can increase rates forty percent or more. Drivers who have serious citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • More miles equals more premium – The more you drive every year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use qualify for better rates than those used for commuting. Double check that your insurance policy is showing the correct driver usage. Incorrect usage on your E-Class can cost quite a bit.

Discounts are great for lower rates

Car insurance companies don’t necessarily list every discount very well, so we break down some of the more common as well as the least known insurance coverage savings.

  • Bundle and Save – When you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for E-Class insurance depending on your company.
  • One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Senior Discount – If you’re over the age of 55, you may receive reduced rates for E-Class insurance.
  • Resident Student – Kids in college living away from home attending college and do not have a car can be insured at a reduced rate.

Keep in mind that many deductions do not apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. Even though it may seem like you can get free auto insurance, it just doesn’t work that way.

To see a list of providers who offer insurance coverage discounts, click here.

You may need specialized coverage

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if you may require specific advice.

  • If my 2013 Mercedes-Benz E-Class is totaled, can I afford another vehicle?
  • Am I covered if I crash into my own garage door?
  • Does my policy pay for OEM or aftermarket parts?
  • What discounts do I qualify for?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered if hit by an uninsured driver?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages explained

Knowing the specifics of a auto insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Auto collision coverage

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

Collision coverage pays for claims like crashing into a ditch, crashing into a building, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for prosthetic devices, EMT expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from a tornado or hurricane, vandalism and falling objects. The highest amount a auto 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.

Liability car insurance

This coverage protects you from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as funeral expenses, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.

More quotes. Lower rates.

You just learned a lot of information how to compare 2013 Mercedes-Benz E-Class insurance prices online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Consumers may even find the lowest priced insurance comes from the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as Geico and State Farm.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. Too many times, someone sacrificed liability coverage limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate.

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