Lower Your 2004 Mercedes-Benz E-Class Insurance Cost

Trying to find lower insurance rates for your Mercedes-Benz E-Class? Think you have high-priced insurance? Believe me when I say many consumers are in the same pinch.

Companies like State Farm, Progressive and Geico continually bombard you with fancy advertisements and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

If you currently have car insurance, you should be able to save some money using this strategy. Buying car insurance is easy if you know what you’re doing. But consumers can benefit from knowing the way companies sell online and apply this information to your search.

Affordable car insurance

When shopping for low cost auto insurance quotes, there are a couple of ways to compare quotes from many car insurance companies in your state. The best method to comparison shop is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

  1. The best way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This form saves time by eliminating repetitive form entry for every company. A single, simple form will get you price quotes from all major companies.
  2. A more time consuming way to shop for car insurance online is to manually visit each individual company website and get a separate price quote. For instance, we’ll assume you want comparison quotes from Auto-Owners, Liberty Mutual and GMAC. You would have to navigate to each company’s site and repeatedly enter your information, and that’s why the first method is more popular.

    For a list of companies in your area, click here.

  3. The old school method to comparison shop rate quotes is calling or driving to local insurance agencies. Shopping for car insurance online reduces the need to sit down with an agent unless you’re the type of person who wants the trained guidance of an agent trained in personal lines coverage. Although, it is possible obtain prices from the web but buy from a local insurance agent.

The approach you take is up to you, just do your best to use nearly identical coverages and limits on every price quote you get. If your comparisons have differing limits it’s impossible to decipher which rate is best. Having just a slight variation in insurance coverages may result in large price differences. It’s important to know that more quotes gives you a better chance of getting a lower rate.

When should I discuss my situation with an agent?

When choosing the best insurance coverage coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover whether you may require specific advice.

  • What are the best liability limits?
  • How many claims can I have before being cancelled?
  • Do I need medical payments coverage since I have good health insurance?
  • Why am I required to get a high-risk car insurance policy?
  • Is extra glass coverage worth it?
  • Am I covered by my spouse’s policy after a separation?
  • How can I get my company to pay me more for my totalled car?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverage options for a 2004 Mercedes-Benz E-Class

Having a good grasp of your insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most insurance policies.

Auto liability

Liability coverage protects you from injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like medical services, attorney fees, structural damage, court costs and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2004 Mercedes-Benz E-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like doctor visits, pain medications, ambulance fees, X-ray expenses and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, rock chips in glass, vandalism, theft and hitting a deer. The maximum amount your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision coverage covers damage to your E-Class from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comments About 2004 Mercedes-Benz E-Class Insurance

  1. Ardelle Foreman

    Progressive and State Farm were both pretty cheap in Raleigh, North Carolina.

  2. Idalia Vaughan

    Progressive and State Farm had the best prices I found in Minnesota.

  3. Aubrey Morales

    I found pretty cheap rate quotes for a 2004 Mercedes-Benz E-Class in Lincoln, Nebraska. Ended up at darn near $70 every six months with Auto-Owners. It’s easy to compare rates online now.

  4. Lavonne Velasquez

    Progressive was cheapest for my 2004 Mercedes-Benz E-Class in Boise, ID.

  5. Tory Bradley

    From north side of Paterson, NJ. Got quotes from American Family, Esurance, and MetLife for my E-Class and saved about $90 a year. I just quoted rates online. It’s only liability tho.

  6. Mika Mullins

    If you have a clean record and live in the vicinity of Tacoma, WA, check out GEICO. They seem to be cheaper. Was with Liberty Mutual. I don’t put full coverage on it.

  7. Frank Fry

    Hope my rates come down. Proud to be from Las Vegas, Nevada. Quoted quotes with AAA, Nationwide, and Western Auto Insurance for my Mercedes-Benz and cut my rates about $110 a year. Left Sentry to switch. I recommend comparing lots of rates.

  8. Yvette Reyes

    Just a quick comment on my experience. Live in the northern part of Columbus, Georgia. Quoted with American Family, Sentry, and Western Auto Insurance for my Mercedes-Benz and saved $79 a year. Left USAA to switch. Good multi-policy discounts. They have free quotes online.

  9. Shelli Haley

    I went with State Farm at renewal. Best rates in Montgomery, Alabama. I’m a pretty good driver though.

  10. Amee Bowen

    From a town just southwest of Salem, OR. Quoted with Safeco, Eastwood, Progressive, and Amica for my E-Class and saved just over $80 a year. Might find lower rates online.

  11. Alysha Williams

    This is too expensive. I’m in Rochester, MN. Got quotes from Progressive, Hanover, and Erie for my Mercedes-Benz and I’m now saving $16 a month. Only insure liability on my E-Class.

  12. Roxy Dorsey

    Are Allstate rates cheap in Florida?

  13. Noma Campos

    I’ve insured with GEICO for a long time. Pretty cheap in Salt Lake City, Utah.

  14. Sybil Heath

    If you have a clean record and are close to Albuquerque, New Mexico, check out State Farm. I saved quite a bit. Insured with The General before. Have a couple speeding tickets too. Anyone else drop full coverage?

  15. Giuseppe Velasquez

    I compared a lot of rate quotes for a 2004 Mercedes-Benz E-Class in North Charleston, SC. Ended up at darn near $70 every six months with American Family. Insured with Farmers before. I get multi-vehicle and multi-policy discounts. Liability only on my Mercedes-Benz.

  16. Alexander Mueller

    From northwest of Bridgeport, CT. Quoted quotes from GEICO, Eastwood, and Liberty Mutual for my 2004 Mercedes-Benz E-Class and I think I saved around $20 each month. Thankfully I’m not a high risk driver. I just carry liability insurance.

  17. Fay Rodriguez

    From a town just southwest of Portland, ME. Got quotes with AIG Insurance, MetLife, and USAA for my 2004 Mercedes-Benz E-Class and saved $115 a year. I get lower rates because of my clean driving record. It’s too old for full coverage.

  18. Keely Gentry

    I live in Indianapolis, IN. Got car insurance prices from Auto-Owners, Farmers, and Mercury for my E-Class and I think I saved about $20 each month. Left Sentry to switch. You can get a rate quote online.

  19. Rona Hurst

    Allstate was cheapest for my 2004 Mercedes-Benz E-Class in Baton Rouge, LA.

  20. Glen Watkins

    Found cheapest coverage with 21st Century for my 2004 Mercedes-Benz E-Class and am saving around $60 a year. Was with Progressive. I have kids on my policy, too. I got a quote from their website. Just liability coverage since it’s getting old.