Save on 1998 Mercedes-Benz E-Class Insurance Quotes

Are you drained from wondering where the money will come from to insure your Mercedes-Benz every month? You’re in the same situation as many other consumers. There is such a variety of insurance companies to pick from, and though it is a good thing to have a selection, it can be more challenging to find a good deal.

It’s a great practice to take a look at other company’s rates occasionally since rates tend to go up over time. Despite the fact that you may have had the lowest premium rates on E-Class coverage at your last renewal you may be paying too much now. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the easiest way to lower your rates without sacrificing coverage.

Buy car insurance online

Most larger insurance companies allow you to get price estimates online. Getting online rates is pretty easy because it’s just a matter of typing in your personal and coverage information as detailed in the form. Behind the scenes, the company’s rating system makes automated requests for information on your driving record and credit history and generates a price based on the data you entered. Online quotes streamlines rate comparisons, but having to visit each company’s website and repetitively type in your information is a waste of time. But it’s also necessary to have as many quotes as possible if you are searching for better car insurance pricing.

The easy way to compare rates

A quicker way to locate the lowest prices uses one form that obtains quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much easier to do. As soon as you send your information, your coverage is rated with multiple companies and you can pick any one of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The whole process only takes a few minutes and you will know how your current rates stack up.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you copy the limits and deductibles identical to your current policy. This makes sure you’re receiving a rate comparison for exact coverage.

Lower-cost car insurance quotes with discounts

Car insurance can cost a lot, but you might be missing out on some discounts that you may not even know about. Larger premium reductions will be automatically applied when you complete an application, but some need to be specifically requested prior to getting the savings.

• Senior Citizens – Mature drivers are able to get a small discount on rates on E-Class coverage.
• Membership in Organizations – Joining a civic or occupational organization can get you a small discount on your bill.
• Renewal Discounts – A few car insurance companies offer discounts for buying a policy before your current policy expires. You could save around 10% when you buy insurance online.
• Claim Free – Drivers with accident-free driving histories can save substantially in comparison with frequent claim filers.
• Multiple Cars – Having multiple vehicles on one policy can reduce the rates for all insured vehicles.
• Paperless Signup – A handful of companies will give you a small discount simply for signing over the internet.
• Defensive Driver Discounts – Passing a safe driver course can save you 5% or more and easily pay for the cost of the class.
• Pay Now and Pay Less – By paying your entire bill at once rather than paying monthly you could save up to 5%.
• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a discounted rate on car insurance if you buy life insurance.
• Accident Forgiveness Coverage – Not necessarily a discount, but companies like Geico, Progressive, and Allstate will turn a blind eye to one accident without raising rates so long as you haven’t had any claims prior to being involved in the accident.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

Auto insurance companies that possibly offer most of the discounts above include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

Double check with each insurance company which discounts they offer. Some discounts listed above might not be offered in every state. If you would like to see a list of insurers that have a full spectrum of discounts, click this link.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might point out if your situation could use an agent’s help.

• Does liability extend to a camper or trailer?
• Do I need medical payments coverage since I have good health insurance?
• Why do I only qualify for high-risk insurance?
• What are the financial responsibility laws in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• Is upholstery damage covered by car insurance?
• Do I need replacement cost coverage on my 1998 Mercedes-Benz E-Class?
• Is my teenager covered with friends in the car?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and you can get the answers you need.

How you can control Mercedes-Benz E-Class insurance costs

Lots of things are used in the calculation when premium rates are determined. Some are obvious such as traffic violations, but others are more obscure like your continuous coverage or your financial responsibility.

• Lower rates come with age – More mature drivers tend to be more responsible, cause fewer claims and accidents and receive fewer citations.Young drivers are statistically shown to be inattentive when driving so they pay higher auto insurance rates.
• Credit score impact auto insurance rates – Having a good credit history is likely to be a major factor in determining premium rates. Therefore, if your credit score is not that good, you could be paying less to insure your 1998 Mercedes-Benz E-Class by repairing your credit. Drivers who have excellent credit tend to be more responsible and file fewer claims than drivers who have lower ratings.
• Liability insurance preserves assets – Liability insurance will provide protection if ever you are found liable for damages caused by your negligence. Your policy’s liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
• Women tend to take less risk – Statistics demonstrate that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Males and females get in accidents in similar percentages, but the men cause more damage. Not only are claims higher, but men get higher numbers of serious violations like reckless driving and DUI. Young men ages 16 to 20 are most likely to cause an accident and therefore pay the highest rates.
• Being married is a bonus – Being married may earn you lower rates when buying auto insurance. Marriage means you’re less irresponsible and insurance companies reward insureds because drivers who are married are more cautious.
• Job reflects on auto insurance rates – Did you know your auto insurance rates can be affected by your occupation? Jobs like military personnel, business owners and accountants usually pay higher rates than the rest of us in part from intense work situations and long work hours. Conversely, jobs such as scientists, engineers and retirees receive lower rates on E-Class coverage.
• Proper usage rating affects prices – The more you drive your Mercedes-Benz in a year the more you’ll pay to insure it. The majority of insurers apply a rate based on their usage. Cars used primarily for pleasure use receive better premium rates as compared to vehicles used primarily for driving to work. An incorrectly rated E-Class may be costing you. It’s a good idea to make sure your auto insurance policy is showing the right rating data, because improper ratings can cost you money.

Detailed coverages of your auto insurance policy

Understanding the coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on most auto insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a broken windshield, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This coverage covers damage to your E-Class resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as crashing into a ditch, rolling your car, crashing into a building, hitting a parking meter and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for X-ray expenses, EMT expenses, dental work, funeral costs and nursing services. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Liability insurance

This will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, medical services, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Mercedes-Benz E-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

More comparisons equals lower rates

In this article, we presented some good ideas how you can get a better price on 1998 Mercedes-Benz E-Class insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding cheaper insurance. You may even discover the best prices are with a lesser-known regional company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

When you buy insurance online, never skimp on coverage in order to save money. There are a lot of situations where an accident victim reduced collision coverage only to find out they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

Additional detailed information can be found in these articles:

• Choosing an Insurance Company (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• Understanding your Policy (NAIC.org)
• Side Impact Crash Tests (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)