Save on 2003 Mercedes-Benz E-Class Insurance Quotes

Are you burned out from not being able to afford to pay your insurance coverage bill each month? You are no different than many other drivers. Big-name insurance companies like Progressive, Geico and Farmers Insurance continually bombard you with advertising and consumers find it hard to sift through the bull and find the best price available.

If you have insurance now or are just looking to switch companies, you will benefit by learning to find the best rates and still get good coverage. Finding affordable coverage is not rocket science. Drivers only need to know the most efficient way to compare rates online.

The method we recommend to compare rates is to understand most of the bigger providers have advanced systems to compare rate quotes. The only thing you need to do is spend a couple of minutes providing details including level of coverage desired, your general credit rating, what you do for a living, and driver details. Your rating data is automatically sent to multiple top-rated companies and they respond with quotes instantly.

If you wish to get multiple quotes for your Mercedes-Benz E-Class now, click here and find out if lower rates are available.

Car insurance ads bend the truth

Drivers can’t get away from ads that claim the cheapest premium rates by Geico, State Farm and Progressive. They all seem to tend to make the same promise that people will save just by moving your coverage to them.

How is it possible that every company can claim to save you money? It’s all in the numbers.

Different companies have a certain “appetite” for the type of driver that will most likely be profitable. One example of a desirable risk might have to be over the age of 35, owns their home, and insures a new vehicle. Any driver that hits that “sweet spot” will qualify for the lowest auto insurance rates and will most likely pay quite a bit less when switching companies.

Insureds who don’t measure up to the requirements may be required to pay a higher premium which translates to the prospect going elsewhere. The trick is to say “drivers that switch” not “everyone who quotes” save that much. That’s the way companies can truthfully make claims that they all have the best auto insurance rates.

Because each company has a different risk profile, it is so important to do a price quote comparison at every renewal. It’s impossible to know which company will provide you with the cheapest rates.

Car insurance rates and discounts

Some insurers don’t always advertise every disount available in an easy-to-find place, so the below list has a few of the more well known and the more hidden credits that you can use to lower your rates.

Life Insurance – If the company offers life insurance, you could get a lower rate if you buy a life insurance policy as well.
Paperwork-free – Many car insurance companies will give a small break simply for signing digitally online.
Club Memberships – Participating in specific professional or occupational memberships or organizations can get you a small discount when getting a insurance coverage quote.
Driver Safety – Completing a safe driver course is a good idea and can lower rates and make you a better driver.
Telematics Data Discounts – Drivers who elect to allow driving data collection to track their driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if their driving habits are good.
Employee of Federal Government – Federal government employees can earn a discount up to 10% for E-Class insurance but check with your company.
Drive Safe and Save – Safe drivers can save as much as half off their rates for E-Class insurance than drivers with accident claims.
Braking Control Discount – Cars, trucks, and SUVs that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
55 and Retired – If you qualify as a senior citizen, you can get reduced rates for E-Class insurance.

One thing to note about discounts is that most credits do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like comp or med pay. So even though you would think it’s possible to get free car insurance, you won’t be that lucky. But all discounts will definitely lower your car insurance premiums.

A few popular companies and their possible discounts are outlined below.

Esurance policyholders can earn discounts including defensive driver, good student, good driver, online shopper, anti-lock brakes, and online quote.
The Hartford may offer discounts for defensive driver, anti-theft, vehicle fuel type, good student, and driver training.
AAA offers premium reductions for education and occupation, anti-theft, good driver, multi-policy, pay-in-full, and AAA membership discount.
Geico may include discounts for multi-policy, five-year accident-free, military active duty, good student, seat belt use, daytime running lights, and membership and employees.
State Farm has discounts for multiple autos, safe vehicle, good driver, good student, passive restraint, and Steer Clear safe driver discount.

Before buying, ask each company what discounts are available to you. Some credits might not apply in your area.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help you determine whether your personal situation could use an agent’s help.

Is extra glass coverage worth it?
What companies insure drivers after a DUI or DWI?
Does insurance cover damages from a DUI accident?
Do I need medical payments coverage since I have good health insurance?
Am I covered if I crash into my own garage door?
What should my uninsured motorist coverage limits be in my state?
Can my teen drive my company car?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage breakdown

Understanding the coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. These are the usual coverages available from insurance companies.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, colliding with a tree, rolling your car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Liability insurance – Liability insurance can cover damage that occurs to other people or property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as court costs, funeral expenses and medical services. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance pays for 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 can pay for claims like a broken windshield, damage from flooding and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for bills like doctor visits, prosthetic devices, surgery, chiropractic care and dental work. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

What is YOUR best insurance company?

We just showed you many ways to compare 2003 Mercedes-Benz E-Class insurance auto insurance rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These smaller insurers may have significantly lower premium rates on certain market segments than the large multi-state companies such as Progressive and Geico.

Some car insurance companies do not offer rate quotes online and usually these smaller providers work with independent agencies. Affordable 2003 Mercedes-Benz E-Class insurance can be bought on the web as well as from independent agents, so you need to compare both to have the best selection.