Lower Your 2014 Mercedes-Benz E-Class Insurance Rates

Want better auto insurance rates for your Mercedes-Benz E-Class? Having to pay for overpriced Mercedes-Benz E-Class insurance can drain your savings account and make it hard to pay other bills. Doing a price comparison is a great way to help make ends meet. You have so many insurers to choose from, and even though it’s nice to be able to choose, it can be more difficult to find the lowest rates.

How to Compare Insurance Coverage Costs

Finding a lower price on 2014 Mercedes-Benz E-Class insurance can be relatively painless. All that’s required is to spend a few minutes comparing rates from different insurance companies. It is quite easy and can be accomplished using a couple different methods.

Probably the best way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This form keeps you from doing a different quote to each individual insurance coverage company. Completing one form will get you price quotes from several companies.

A more difficult way to get quotes online requires a trip to the website for each individual company and fill out their own quote form. For example, let’s assume you want to compare rates from Liberty Mutual, Progressive and American Family. You would have to go to every website and enter your policy data, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The least efficient method of getting rate comparisons is driving around to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the personal advice of a local agent. You can, however, get the lowest quotes online but buy from a local insurance agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverage information with each company. If each company quotes mixed coverages it’s impossible to determine which rate is truly the best.

Do you qualify for a discount?

Car insurance companies don’t always publicize all available discounts very well, so we took the time to find both well-publicized and also the lesser-known savings tricks you should be using. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • E-sign – Certain companies will give a small break for buying a policy and signing up on their website.
  • Distant Student – Youth drivers living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Early Switch Discount – Some companies give discounts for signing up before your current policy expires. It’s a savings of about 10%.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates on E-Class insurance than drivers with accident claims.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Driver Safety – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability, collision or medical payments. So despite the fact that it appears all those discounts means the company will pay you, it just doesn’t work that way.

For a list of companies who offer insurance coverage discounts, click this link.

Mercedes-Benz E-Class insurance rates consist of many parts

Smart consumers have a good feel for the factors that come into play when calculating your insurance rates. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that will entitle you to better insurance rates.

The list below includes some of the items used by your company to calculate prices.

  • Protect yourself with liability coverage – The liability section of your policy will protect you if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • A lapse in coverage is a bad thing – Allowing your coverage to lapse will be a sure-fire way to pay more for insurance. Not only will you pay more, but being ticketed for driving with no insurance might get you a steep fine or even jail time.You may have to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Lower deductibles cost more – The deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply would be running into the backend of another car, vandalism, or theft. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on E-Class insurance.
  • High credit ratings translate to low rates – Having a bad credit score is a large factor in determining what you pay for insurance. So if your credit is lower than you’d like, you could pay less to insure your 2014 Mercedes-Benz E-Class by improving your credit score. People with excellent credit tend to be more responsible than drivers with poor credit.
  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. These vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates. If the Mercedes-Benz E-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.

What coverages do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions could help you determine if your insurance needs may require specific advice.

  • Why does it cost so much to insure a teen driver?
  • Can my teen drive my company car?
  • Should I buy only the required minimum liability coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Are my friends covered when driving my 2014 Mercedes-Benz E-Class?
  • Am I covered if I crash into my own garage door?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Knowing the specifics of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages available from insurance companies.

Comprehensive coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, hitting a deer and rock chips in glass. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like EMT expenses, hospital visits and prosthetic devices. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – This 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 then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car, driving through your garage door, crashing into a ditch and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability insurance – Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, emergency aid, loss of income, court costs and medical services. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

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 important protection for you and your family.

Spend less. Save more.

Lower-priced 2014 Mercedes-Benz E-Class insurance can be found both online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies do not offer online price quotes and most of the time these smaller companies sell through independent agents.

We covered many tips how you can get a better price on insurance. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the lowest premiums are with the least-expected company. Regional companies can often provide lower rates in certain areas compared to the large companies like State Farm, Geico and Nationwide.

As you prepare to switch companies, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced liability limits or collision coverage only to regret at claim time they didn’t have enough coverage. The aim is to buy enough coverage at a price you can afford while still protecting your assets.

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