2018 Mercedes-Benz E-Class Insurance Quotes – 10 Ideas for Best Rates

Trying to find better insurance rates for your Mercedes-Benz E-Class? Expensive Mercedes-Benz E-Class insurance can dwindle your savings account and force you to make sacrifices. Due to the fact that there are so many insurance providers from which to choose, it can be challenging to choose a more affordable insurer.

Consumers need to compare premium rates before your policy renews because prices tend to go up over time. Even if you think you had the best price on E-Class insurance at your last renewal a different company probably has better rates today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the things you must know in order to find lower rates on insurance.

How to compare free car insurance quotes

Most major insurance companies provide pricing online. Doing online quotes can be done by anyone as you just enter your coverage preferences as requested by the quote form. Behind the scenes, their rating system sends out for your credit score and driving record and returns a price quote based on the data you entered. Being able to quote online makes it a lot easier to compare rates but having to visit several different sites and type in the same information is a big time waster. But it’s very important to get many rate quotes if you want to find the best price possible.

A less time-consuming method to lower your car insurance bill uses just one form to return rates from a bunch of companies at once. The form is fast, eliminates form submissions, and makes online shopping much simpler. Once the form is submitted, it gets priced and you can select any or none of the pricing results. If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To quickly fill out one form to compare multiple rates now, click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you duplicate the limits and deductibles just like they are on your policy. This makes sure you will receive rate comparison quotes for similar coverage.

Insurance discounts are available to cut your rates

Insuring your vehicles can cost a lot, but you might be missing out on some discounts that you may not know about. Certain discounts will be applied at quote time, but a few need to be asked about before they will apply.

  • Resident Student – Older children who are enrolled in higher education away from home and leave their car at home could get you a discount.
  • Driver’s Education for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
  • Professional Memberships – Participating in specific professional or occupational memberships or organizations is a simple method to lower premiums on your policy.
  • Telematics Discount – Drivers that enable their company to analyze their driving habits by using a telematics device such as Progressive’s Snapshot may see discounts if they are good drivers.
  • Savings for New Vehicles – Insuring a vehicle that is new can get you a discount compared to insuring an older model.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life policy as well.
  • Paperless Signup – Many larger companies will give a small break for signing up on their website.
  • Good Student – Performing well in school may save you up to 25%. The good student discount can last up to age 25.
  • Service Members Pay Less – Having a deployed family member could mean lower premium rates.
  • Theft Prevention System – Cars and trucks with anti-theft systems help deter theft and will save you 10% or more.

As a footnote on discounts, some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

To see providers that have a full spectrum of discounts, click here.

Everyone needs different insurance coverage coverages

When it comes to buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s needs are different so your insurance should reflect that These are some specific questions may help you determine if your insurance needs may require specific advice.

  • Why do I only qualify for high-risk insurance?
  • Am I covered when using my vehicle for business?
  • Do I need an umbrella policy?
  • Is there coverage for injuries to my pets?
  • Do I benefit by insuring my home with the same company?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need roadside assistance coverage?
  • Does my 2018 Mercedes-Benz E-Class qualify for pleasure use?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Having a good grasp of auto insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most auto insurance policies.

Collision insurance

Collision coverage pays for damage to your E-Class resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as rolling your car, backing into a parked car, crashing into a ditch, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Liability insurance

This provides protection from damage or injury you incur to people or other property by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hitting a bird, falling objects and theft. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for things like prosthetic devices, hospital visits, chiropractic care, doctor visits and nursing services. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Mercedes-Benz E-Class.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Feed the piggy bank

When getting insurance coverage quotes online, make sure you don’t buy less coverage just to save a little money. There have been many cases where an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your goal should be to buy enough coverage for the lowest price, but do not skimp to save money.

In this article, we presented many ideas to get a better price on 2018 Mercedes-Benz E-Class insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. They can often provide lower premium rates in certain areas compared to the large companies like Progressive and Geico.

Additional car insurance information can be found on the following sites: