2006 Mercedes-Benz E-Class Insurance Rates – 6 Policy Discounts

Searching for the cheapest insurance coverage rates for your Mercedes-Benz E-Class? Are you irritated from trying to scrape together enough money each month for insurance coverage? You have the same problem as many other drivers.

Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest cost out there.

You should take the time to do price comparisons occasionally because insurance coverage prices are rarely the same from one policy term to another. Just because you found the best quotes on E-Class insurance a year ago you can probably find a better rate now. There is a lot of bad information regarding insurance coverage out there, but I’m going to show you a lot of great tips on how to find affordable insurance coverage.

The quickest way to compare insurance rates in your area utilizes the fact most larger insurance companies participate in a system to provide you with a free rate quote. To start a quote, the only thing you need to do is provide a small amount of information including any included safety features, if you went to college, how much coverage you want, and driver ages. That rating data is automatically sent to insurance companies and they return cost estimate within a short period of time.

To check Mercedes-Benz E-Class insurance prices now, click here and find out if lower rates are available.

Get affordable insurance rates with discounts

Some companies don’t always list the complete list of policy discounts very clearly, so here is a list some of the more common as well as the least known discounts that you may qualify for. If you do not check that you are getting every discount available, you may be paying too high a price.

• Multi-policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Good Drivers – Insureds who avoid accidents could pay up to 40% less on E-Class insurance compared to accident prone drivers.
• Save over 55 – Drivers that qualify as senior citizens may qualify for lower premium rates on E-Class insurance.
• Accident Forgiveness Coverage – Not a discount per se, but some insurance companies will forgive one accident before your rates go up as long as you don’t have any claims for a set time period.
• Clubs and Organizations – Affiliation with a professional or civic organization may earn a discount on your next insurance statement.
• No Claim Discounts – Insureds who avoid accidents and claims can save substantially in comparison to bad drivers.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you won’t be that lucky.

A list of insurance companies and a selection of discounts can be read below.

• Progressive may have discounts that include homeowner, good student, multi-policy, online quote discount, online signing, and continuous coverage.
• MetLife offers premium reductions for accident-free, claim-free, good driver, defensive driver, and multi-policy.
• Mercury Insurance may offer discounts for professional/association, anti-theft, type of vehicle, multi-car, accident-free, and low natural disaster claims.
• Nationwide may include discounts for defensive driving, anti-theft, accident-free, Farm Bureau membership, business or organization, family plan, and easy pay.
• Geico has discounts for membership and employees, seat belt use, military active duty, daytime running lights, driver training, and air bags.
• AAA discounts include AAA membership discount, anti-theft, pay-in-full, multi-car, good driver, good student, and multi-policy.

Double check with every prospective company how many discounts you can get. All car insurance discounts might not be available to policyholders in your area. To view insurers that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage, there is no single plan that fits everyone. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• Do I have any recourse if my insurance company denies a claim?
• Are rock chip repairs covered?
• What is the rate difference between pleasure use and commuting?
• Why is insurance for a teen driver so high?
• When can my company non-renew my policy?
• Why am I be forced to buy a membership to get insurance from some companies?
• Should I buy full coverage?
• Where can I find high-risk insurance?
• When can I cancel my policy?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Coverages available on your policy

Learning about specific coverages of insurance can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages available from insurance companies.

Comprehensive or Other Than Collision – This coverage pays for 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 coverage pays for claims such as vandalism, damage from a tornado or hurricane, fire damage 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 Coverage – This provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Liability insurance – This coverage protects you from damage that occurs to people or other property. It protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as structural damage, bail bonds and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision – This covers damage to your E-Class caused by collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for bills for things like X-ray expenses, hospital visits, pain medications and chiropractic care. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

More comparisons equals lower rates

Affordable 2006 Mercedes-Benz E-Class insurance can be bought from both online companies and also from your neighborhood agents, so get free insurance coverage quotes from both of them to get a complete price analysis. A few companies do not provide rate quotes online and these small, regional companies provide coverage only through independent agencies.

We just covered some good ideas how you can reduce 2006 Mercedes-Benz E-Class insurance premium rates online. The key concept to understand is the more rate quotes you have, the higher your chance of finding the cheapest insurance coverage. You may be surprised to find that the lowest priced auto insurance comes from an unexpected company. These companies can often provide lower prices in certain areas than the large multi-state companies such as Progressive and Geico.

To read more, feel free to visit the articles below:

• Auto Insurance Learning Center (State Farm)
• Think You’re a Safe Driver? (State Farm)
• Frontal Crash Tests (iihs.org)
• Steps to Take After an Auto Accident (Insurance Information Insitute)