How Much Does 1995 Mercedes-Benz E-Class Insurance Cost?

Want cheaper insurance coverage rates for your Mercedes-Benz E-Class? I can’t think of anyone who looks forward to paying premiums for insurance coverage, especially when they know they could find better rates elsewhere. You have so many insurance companies to buy insurance from, and though it is a good thing to have a selection, it makes it harder to adequately compare rates.

You should take the time to shop coverage around every six months because prices trend upward over time. Just because you found the lowest price for E-Class coverage a few years ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to learn the fastest way to remove unneeded coverages and save money.

The purpose of this post is to let you in on the most effective way to quote insurance and some money-saving tips. If you are paying for car insurance now, you should be able to cut costs considerably using these tips. Drivers just need to learn the proper way to compare rates online.

How to lower your insurance cost

Finding a lower price on 1995 Mercedes-Benz E-Class insurance can be relatively painless. You just have to spend a few minutes comparing rate quotes to find out which insurance company has the cheapest car insurance quotes. It’s super easy and can be done by following the guidelines below.

Hands down the most simple method to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form keeps you from doing multiple quote forms for each company. One simple form will get you rate comparisons from multiple companies.

A different way to analyze rates consists of going to each company’s website and repeat the quote process again and again. For examples sake, let’s assume you want comparison quotes from Liberty Mutual, Esurance and Travelers. To get each rate you have to spend time going to each site individually and type in your information over and over, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

The least efficient and most time consuming method to compare price quotes is physically going to insurance agents’ offices. Quoting online eliminates this option unless you want the advice and guidance only provided by licensed agents. Some companies do allow you to find lower rates online but buy the policy through an agent.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare equivalent coverage data for each comparison quote. If each company quotes different deductibles then you won’t be able to make a fair rate comparison.

Cheaper rates with these auto insurance discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that could drop your premiums quite a bit. Certain discounts will be applied when you complete an application, but a few must be manually applied before being credited. If you do not check that you are getting every discount you qualify for, you are just wasting money.

  • Active Service Discounts – Being on active duty in the military could trigger a small discount.
  • Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class in school or through a local driver safety program.
  • 55 and Retired – Seniors could receive a small discount on rates for E-Class coverage.
  • Low Mileage – Keeping the miles down on your Mercedes-Benz could qualify for substantially lower premium rates.
  • Discounts for Government Workers – Simply working for the federal government may qualify for a discount when you quote car insurance for E-Class coverage depending on your auto insurance provider.
  • Drive Safe and Save – Insureds who avoid accidents may save up to 50% more for E-Class coverage than less cautious drivers.
  • Telematics Discount – People who choose to allow driving data submission to scrutinize driving patterns by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if their driving habits are good.
  • Driver Safety – Passing a course teaching driver safety skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can stop better under adverse conditions so companies give up to a 10% discount.
  • Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies permit an accident before your rates go up if you have no claims prior to being involved in the accident.

We need to note that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, nobody gets a free ride.

Some companies that may offer quotes with these benefits possibly include:

Before purchasing a policy, check with each company to give you their best rates. Some of the discounts discussed earlier might not be offered on policies in your area. To choose companies that offer the discounts shown above, click here.

How to lower your insurance premiums

Many things are part of the equation when quoting car insurance. Some are pretty understandable like an MVR report, but others are not quite as obvious like where you live or how financially stable you are.It’s important that you understand some of the things that go into determining the price you pay for auto insurance. When you know what positively or negatively determines premiums, this enables you to make decisions that can help you get lower rates.

The items below are some of the most common factors that factor into your premiums.

  • Drive fewer miles and save – The more you drive in a year the higher the price you pay to insure it. Most insurance companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Improper usage on your E-Class may be costing you. It’s a good idea to make sure your auto insurance policy properly reflects annual mileage, because improper ratings can cost you money.
  • Bad credit hurts insurance premiums – Having a bad credit history factor in determining premium rates. If your credit score can use some improvement, you could potentially save money when insuring your 1995 Mercedes-Benz E-Class by spending a little time repairing your credit. Drivers who have high credit ratings tend to be more responsible as compared to drivers with lower ratings.
  • Men drivers tend to cost more – Statistics demonstrate females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Women and men are responsible for auto accidents in similar numbers, but the men tend to have higher claims. Not only that, but men also get more serious tickets such as DWI and reckless driving.
  • Insurance companies don’t like frequent auto insurance claims – Insurance companies generally give better rates to drivers who only file infrequent claims. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Your insurance policy is designed for claims that pose a financial burden.
  • Rural vs Urban Areas – Having an address in a small town can be a good thing when insuring your vehicles. Fewer drivers on the road means less chance of accidents as well as less vandalism and auto theft. Drivers in populated areas have more road rage incidents and more severe claims. Spending more time driving can result in more accidents.
  • Is your vehicle theft-ready? – Selecting a car model with a theft deterrent system can help bring down rates. Theft deterrent systems like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop your car from being stolen.
  • Car and home together may be cheaper – Most major insurers provide better rates to customers that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to compare other company rates to guarantee you are still saving the most.

Insurance can get complicated

When it comes to choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that These are some specific questions may help you determine if your insurance needs would benefit from professional advice.

  • Does insurance cover tools stolen from my truck?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need added coverage for expensive stereo equipment?
  • When would I need additional glass coverage?
  • What should my uninsured motorist coverage limits be in my state?
  • What can I do if my company denied a claim?
  • How do I buy GAP insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

The car insurance bait and switch

Consumers can’t get away from all the ads that claim the cheapest prices by companies like State Farm and Allstate. All the ads convey the message that you can save after switching your coverage to them.

How does every car insurance company charge you a lower premium? Here is how they do it.

All the different companies have specific guidelines for the type of insured that will generate a profit. A good example of a profitable insured could be a female over age 40, has no prior claims, and drives a vehicle with a low ISO rating. Any customer who matches that profile is entitled to the best price and therefore will save some money.

Potential customers who fall outside the “perfect” profile may be required to pay higher premium rates and this can result in the prospect going elsewhere. The trick companies use is to say “customers that switch” not “everyone who quotes” save money. That is how companies can truthfully make it sound like they have such great prices.

Different companies use different criteria so drivers must compare rate quotes every year. You cannot predict which company will fit your personal profile best.

Learn about insurance coverages for a 1995 Mercedes-Benz E-Class

Knowing the specifics of insurance helps when choosing the best coverages for your vehicles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages offered by insurance companies.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, driving through your garage door and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses for hospital visits, funeral costs, ambulance fees, X-ray expenses and surgery. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto liability

Liability insurance can cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

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 liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as legal defense fees, loss of income, court costs, medical expenses and emergency aid. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz E-Class.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, theft, a tree branch falling on your vehicle and rock chips in glass. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Save your cold hard cash

As you quote car insurance, you should never buy less coverage just to save a little money. Too many times, consumers will sacrifice uninsured motorist or liability limits only to regret at claim time they didn’t purchase enough coverage. Your strategy should be to find the BEST coverage at the best possible price while not skimping on critical coverages.

We just covered a lot of information how to save on 1995 Mercedes-Benz E-Class insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding inexpensive car insurance. Consumers could even find that the best price on insurance is with a small local company. Smaller companies may only write in your state and offer lower prices as compared to the big name companies such as Allstate or State Farm.

Lower-priced insurance can be bought both online in addition to local insurance agencies, so get free car insurance quotes from both of them to get a complete price analysis. Some insurance companies may not offer online price quotes and most of the time these smaller companies prefer to sell through independent agents.

For more information, take a look at the following helpful articles:

Comments About 1995 Mercedes-Benz E-Class Insurance

  1. Jada Avery

    Live in the northern part of Miami, FL. I got free quotes with Western Auto Insurance, AAA, GMAC, and Nationwide for my Mercedes-Benz and saved $88 a year. I’m a pretty good driver though. Did it all online.

  2. Audry Nolan

    I can’t pay high rates. I live just outside Fort Smith, AR. Quoted rates from Progressive, American Family, Farmers, and Hartford for my Mercedes-Benz and saved just over $60 a year. Insured with Nationwide before. I have a teen driver too. I just quoted rates online.

  3. Kina Ellison

    FYI in Wilmington, DE try Allstate. I got a good deal.

  4. Billie Anderson

    GEICO was cheapest for my 1995 Mercedes-Benz E-Class in Columbus, Ohio.

  5. Jayson Hickman

    Quoted with Amica for my 1995 Mercedes-Benz E-Class and saved around $80 a year. I even had a DUI years ago.

  6. Ulrike Perez

    Great info, thanks for posting. I live in a small town just outside of Gaithersburg, Maryland. Quoted quotes with American Family, Sentry, and a few others for my E-Class and am saving around $100 a year. Not sure if rates are cheaper online or not. I don’t have comp or collision coverage.

  7. Rosemarie Willis

    Lifelong resident of Cranston, RI. Quoted quotes with Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my E-Class and I think I am saving around $20 each month. Hardly afford to drive anymore. I just carry liability insurance.

  8. Emmy Wolf

    Good detail in your article. I live in Atlanta, GA. I don’t recall every quote but I ended up saving about $20 each month. I think they have home insurance too. :)

  9. Yvonne Poole

    I think I’m paying too much. Found cheapest coverage with GEICO for my Mercedes-Benz and cut my rates about $70 a year. I dropped full coverage awhile back.

  10. Myra Stokes

    Looking for cheaper 1995 Mercedes-Benz E-Class insurance in New Orleans, LA. Help!

  11. Buford Glover

    Does State Farm have low rates for teen drivers?

  12. Hana Rose

    I compared a lot of rate quotes for a 1995 Mercedes-Benz E-Class in Nampa, ID. Ended up at darn near $120 every six months with Auto-Owners. You can get a rate quote online.

  13. Carey Owens

    I’m looking for cheaper coverage. I live on the north side of Las Vegas, NV. Quoted prices from Progressive, Eastwood, and GMAC for my 1995 Mercedes-Benz E-Class and saved just over $90 a year. Insured with The General before. I even had a DUI years ago. When should I drop full coverage?

  14. Ima Abbott

    Nice info. I live just to the east of West Valley City, UT. Checked online prices for a 1995 Mercedes-Benz E-Class. Ended up at about $120 savings annually. Went with State Farm. Was with Farmers. God forbid I actually have a claim.

  15. Marcia Horn

    I’m in the south part of Rutland, VT. Quoted with USAA, Amica, Hartford, and Sentry for my Mercedes-Benz and saved just over $60 a year. Have an at-fault accident tho. Just waiting to see how claims go.

  16. Aracely Sloan

    Cheap is relative. Went with Farmers for my Mercedes-Benz and saved around $70 a year. Insured with GEICO before. Thankfully I have a good driving record. I don’t put full coverage on it.

  17. Mark Good

    Cheap car insurance? What’s that? From northwest of Jersey City, NJ. Quoted quotes with Progressive, Farmers, and GMAC for my E-Class and I think I saved about $20 each month.

  18. Treasa Hatfield

    Will State Farm raise rates for a small claim?

  19. Drusilla Clarke

    I live just outside Wichita, KS. Went online for free insurance quotes for a 1995 Mercedes-Benz E-Class. Ended up at about $90 savings annually. Went with State Farm. Insured with Safeco before. Even increased my liability limits.

  20. Sade Prince

    From Bangor, Maine. I quoted with AAA, Mercury, and some smaller one I can’t remember the name of for my 1995 Mercedes-Benz E-Class and cut my rates about $90 a year. I think they have home insurance too. It’s easy to compare rates online now. I think I’ll get rid of full coverage next time.