2017 Mercedes-Benz E-Class Insurance Quotes – 7 Tips for Best Rates

Looking for cheaper car insurance rates for your Mercedes-Benz E-Class? Finding cheaper insurance for a Mercedes-Benz E-Class can be a lot of work, but you can learn these tips to make it easier.

There are both good and bad ways to buy car insurance and we’ll show you the best way to quote coverages for a Mercedes-Benz and obtain the lowest possible price either online or from local insurance agents.

Shopping for cheaper insurance coverage is simple if you know the tricks. If you have a policy now or need new coverage, you can learn to find better prices and still get good coverage. Drivers just need to learn the best way to compare prices online.

Shop insurance coverage online

Shopping for lower insurance coverage rates can be a lot of work if you don’t utilize the best way to get rate quotes. You can spend your afternoon discussing policy coverages with agents in your area, or you could use online quotes to achieve your goal.

Most car insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and each participating company can provide price quotes. This saves time by eliminating form submissions to each company.

To use this form to compare rates click here to start a free quote.

The single downside to getting quotes like this is you can’t choose the insurers to receive prices from. So if you want to select individual companies to compare, we have assembled a list of the cheapest insurance coverage companies in your area. Click to view list.

The approach you take is up to you, just be certain you are entering identical coverage limits for each quote you get. If you are comparing different deductibles then you won’t be able to make a fair rate comparison.

Cheaper insurance rates with discounts

Insurance is not inexpensive, but there could be available discounts to help bring down the price. Certain reductions will be credited when you quote, but lesser-known reductions have to be specifically requested before you get the savings. If you do not double check each discount available, you are just wasting money.

  • New Car Discount – Putting insurance coverage on a new car may earn a small discount because new model year vehicles keep occupants safer.
  • Accident Waiver – but certain companies allow you one accident before they charge you more for coverage with the catch being you have to be claim-free before the accident.
  • Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally until age 25.
  • Sign Online – Some of the larger companies provide a small discount just for signing your application digitally online.
  • Pay Upfront and Save – By paying your entire bill at once rather than spreading payments over time you may reduce your total bill.
  • Switch and Save Discount – Some larger companies give discounts for buying a policy before your current coverage expires. Ten percent is about the average savings.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.

As a sidenote, some of the credits will not apply to your bottom line cost. Some only reduce individual premiums such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, nobody gets a free ride. But all discounts will help lower your policy premium.

A partial list of companies who may offer many of the previously listed discounts include:

Before buying, ask every insurance company to give you their best rates. Savings might not be offered on policies in your area. If you would like to choose from a list of insurance companies with discount insurance rates, click here.

Tailor your insurance coverage coverage to you

When choosing coverage, there is no “best” method to buy coverage. Each situation is unique.

For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • Am I covered if I wreck a rental car?
  • Can I afford to pay high deductible claims out of pocket?
  • Am I insured when driving a different vehicle?
  • If my pet gets injured in an accident are they covered?
  • When do I need to add a new car to my policy?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Car insurance coverages and their meanings

Understanding the coverages of a car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive car insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, fire damage, hail damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage pays for damage to your E-Class resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like backing into a parked car, colliding with another moving vehicle, rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills for nursing services, hospital visits and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, funeral expenses and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz E-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Buy online or local, you save

People leave their current company for a variety of reasons including questionable increases in premium, poor customer service, policy cancellation and unfair underwriting practices. It doesn’t matter what your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.

The cheapest 2017 Mercedes-Benz E-Class insurance is possible online in addition to many insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer price quotes online and most of the time these regional carriers only sell coverage through independent agencies.

When buying insurance coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The ultimate goal is to buy a smart amount of coverage for the lowest cost.

More tips and info about car insurance is available at these sites: