Cheap 1999 Mercedes-Benz E-Class Insurance Rates

Want the cheapest car insurance rates? Drivers have lots of choices when trying to find affordable Mercedes-Benz E-Class insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to buy car insurance and you need to know the best way to price shop coverage for a new or used Mercedes-Benz and locate the best price possible.

Smart consumers take time to compare premium rates quite often since rates are adjusted regularly by insurance companies. If you had the best deal for E-Class insurance on your last policy you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to learn the tricks you need to know to get good coverage at a lower rate.

This article will teach you how to effectively get price quotes. If you are paying for car insurance now, you should be able to lower your premiums substantially using these methods. Vehicle owners only need to know the proper methods to compare company rates on the web.

Insurance discounts help reduce rates

Insurance is neither fun to buy or cheap, but you may find discounts that may help make it more affordable. Certain credits will be shown when you quote, but a few must be specially asked for before being credited.

• Mature Driver Discount – Seniors may qualify for a discount up to 10% for E-Class insurance.
• Telematics Data Discounts – Insureds that choose to allow data collection to look at vehicle usage by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction if they have good driving habits.
• Driver’s Education for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
• Discounts for Cautious Drivers – Insureds without accidents can get discounts for up to 45% lower rates for E-Class insurance compared to accident prone drivers.
• Fewer Miles Equal More Savings – Maintaining low annual mileage could qualify for lower rates on the low mileage vehicles.
• Government Employee Discount – Being employed by or retired from a federal job can earn a discount up to 10% for E-Class insurance with select insurance companies.
• Early Payment Discounts – By making one initial payment instead of paying each month you could save 5% or more.
• College Student Discount – Youth drivers who attend college more than 100 miles from home without a vehicle on campus may qualify for this discount.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. Just because you may think you would end up receiving a 100% discount, insurance companies aren’t that generous. But any discount will reduce the cost of coverage.

To locate insurance companies with discount rates, follow this link.

Why your insurance prices might be higher

Many things are part of the equation when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, although some other factors are less obvious like your continuous coverage or how safe your car is.

• High premiums for teenage drivers – Teen drivers tend to be more careless behind the wheel so car insurance rates are higher. Older drivers are shown to be more cautious, are lower risk to insure .
• Cheaper rates with high comp and collision deductibles – Physical damage coverage, also called comprehensive and collision insurance, covers damage that occurs to your Mercedes-Benz. Some examples of covered claims are a dented fender, collision with an animal, and windstorm damage. Comprehensive and collision coverage deductibles represent how much money the insured will be required to pay if a claim is determined to be covered. The more of the claim the insured has to pay upfront, the lower your rates will be for E-Class insurance.
• Car insurance rates and your employer – Did you know your job can affect your rates? Jobs such as fire fighters, business owners and miners tend to pay higher rates than average due to intense work situations and incredibly demanding work hours. Other jobs such as actors, athletes and retirees have the lowest average rates for E-Class insurance.
• Are women or men drivers cheaper? – Over the last 30 years, statistics show that women are safer drivers than men. It does not mean women are BETTER drivers than men. They both get in accidents in similar numbers, but males tend to have higher claims. Not only that, but men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males are the most expensive to insure and thus pay the highest rates.

Which is the best auto insurance?

When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions may help you determine if you would benefit from an agent’s advice.

• What if I owe more than I can insure my car for?
• Do I have coverage for damage caused while driving under the influence?
• Do I have coverage when making deliveries for my home business?
• What are the best liability limits?
• Am I covered when using my vehicle for business?
• How do I file an SR-22 for a DUI in my state?
• What is the ISO rating for a 1999 Mercedes-Benz E-Class?
• Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Coverages available on your policy

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 1999 Mercedes-Benz E-Class.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass and fire damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for collisions

This coverage covers damage to your E-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills like X-ray expenses, ambulance fees, funeral costs, dental work and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Liability insurance

Liability insurance protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

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. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, structural damage, emergency aid and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage on a shoestring budget

There are still a few companies who don’t offer online quoting and most of the time these small insurance companies sell through independent agents. Discount 1999 Mercedes-Benz E-Class insurance can be purchased both online in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates.

As you prepare to switch companies, do not reduce needed coverages to save money. In many cases, consumers will sacrifice physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage at the best possible price but still have enough coverage for asset protection.

Drivers change insurance companies for a number of reasons such as delays in responding to claim requests, high rates after DUI convictions, an unsatisfactory settlement offer and even high prices. It doesn’t matter what your reason, switching companies is easier than you think.

More information can be found at the links below

• Auto Insurance 101 (About.com)
• Choosing an Insurance Company (Insurance Information Insitute)
• Bodily Injury Coverage (Liberty Mutual)
• Things to Know Before you Cancel Insurance (Allstate)