1997 Mercedes-Benz E-Class Insurance Quotes – 7 Tips for Best Rates

Finding inexpensive auto insurance can seem complicated if you haven’t ever compared insurance using online quoting. But don’t be overwhelmed because comparing rates is actually very simple.

The purpose of this post is to help educate you on how car insurance quotes work. If you currently have a car insurance policy, you will be able to cut costs considerably using these methods. But drivers must comprehend the methods companies use to market insurance on the web and apply this information to your search.

Car insurance quotes comparison

Many insurance companies give pricing online. This process can be done by anyone as all you need to do is type in your required coverages into the form. After the form is submitted, their quoting system will order credit information and your driving record and gives you a price quote based on these factors.

This makes comparing rates easy, but the process of having to visit each company’s website and repetitively type in your information is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find lower prices.

The quickest way to compare rates uses one form to obtain quotes from more than one company. This type of form saves time, helps eliminate reptitive entry, and makes price shopping online a lot less work. Immediately after you send the form, your coverage is rated and you are able to buy any or none of the price quotes you receive.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The whole process can be completed in less than 10 minutes and can result in significant savings.

To save time and find out how much you’re overpaying now, click here to open in a new tab and input your coverage information. If you have coverage now, it’s recommended you type in the coverages as shown on your current policy. This guarantees you will get rate quotes using the same coverage and limits.

Are you qualifying for every discount?

Companies don’t always publicize the entire discount list very well, so the list below contains some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

• Distant Student Discount – Youth drivers who are attending college and do not have a car could get you a discount.
• Save with More Vehicles Insured – Buying insurance for primary and secondary vehicles on one policy can reduce rates for all insured vehicles.
• 55 and Retired – Mature drivers could receive better insurance rates for E-Class coverage.
• Own a Home and Save – Owning your own home or condo may trigger a policy discount on insurance because owning a home is proof that your finances are in order.
• Online Discount – Many insurance companies may give you up to $50 for buying your policy on the internet.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the medical payments premium.
• Lower Rates for Military – Having a family member in the military could mean lower insurance rates.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy.

To see a list of insurance companies who offer cheap insurance quotes, follow this link.

When in doubt talk to an agent

When it comes to choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions might point out whether your personal situation might need professional guidance.

• Is borrowed equipment or tools covered if stolen or damaged?
• Why am I be forced to buy a membership to get insurance from some companies?
• Where can I get insurance after a DUI in my state?
• Is a blown tire covered by insurance?
• Is my camper covered by my car insurance policy?
• Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Will you really save $473 on car insurance?

Respected companies like Progressive, Allstate and Geico continually stream ads on television and other media. All the ads state the claim that drivers will save a bundle if you just switch to them. It sounds good, but how can they all save you money? This is the trick they use.

All the different companies have specific criteria for the driver that earns them the most money. An example of a desirable risk could be over the age of 35, has no claims, and does not commute to work. Anyone that meets those criteria will most likely get cheap premium rates and have a good chance to cut their rates substantially.

Potential insureds who do not match this ideal profile will be quoted more expensive rates and this can result in the customer not buying. The ads say “customers who switch” not “everybody who quotes” save money. This is how insurance companies can confidently make those statements.

Because each company has a different risk profile, you need to compare many company’s auto insurance rates. It is impossible to predict which car insurance company will have the lowest rate quotes.

Car insurance policy coverages for a Mercedes-Benz E-Class

Knowing the specifics of your policy helps when choosing the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like scraping a guard rail, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, a broken windshield, vandalism, hitting a bird and fire damage. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

Liability coverage can cover damage that occurs to other people or property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like loss of income, pain and suffering, structural damage and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz E-Class.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like chiropractic care, hospital visits and nursing services. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

In any little way, save everyday

Cheaper 1997 Mercedes-Benz E-Class insurance can be purchased online as well as from independent agents, so you should compare both in order to have the best price selection to choose from. Some insurance providers do not offer the ability to get quotes online and most of the time these small insurance companies provide coverage only through local independent agencies.

Consumers switch companies for any number of reasons including delays in responding to claim requests, lack of trust in their agent, extreme rates for teen drivers and even poor customer service. Whatever your reason, finding a new company can be easier than you think.

We just presented a lot of techniques to reduce 1997 Mercedes-Benz E-Class insurance prices online. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on car insurance is with a company that doesn’t do a lot of advertising.

More information can be found at the links below

• Safety Belts FAQ (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• Vehicle Insurance in the U.S. (Wikipedia)