Lower Your 2008 Mercedes-Benz E-Class Insurance Quotes

Looking for the cheapest auto insurance rates for your Mercedes-Benz E-Class? Are you sick and tired of wondering where the money will come from to keep your car insured? You are in the same boat as most other vehicle owners. Online insurance companies like State Farm, Allstate, Geico and Progressive all claim big savings with fancy advertisements and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

How to compare auto insurance quotes

Effectively comparing auto insurance prices can be a daunting task if you aren’t aware of the most efficient way. You could waste a few hours driving to insurance agencies in your area, or you can utilize the internet to quickly compare rates.

Most major companies belong to a marketplace that allows shoppers to submit their information once, and every company returns a rated price based on that information. This system prevents you from having to do quote forms to each company. To participate in this free quote system, click to open in new window.

The single downside to comparing rates this way is you don’t know exactly the companies you want pricing from. So if you want to select from a list of companies to request quotes from, we have a listing of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but do your best to use apples-to-apples coverage data with every price quote. If you are comparing higher or lower deductibles then you won’t be able to determine the lowest rate for your Mercedes-Benz E-Class.

Tailor your insurance coverage coverage to you

When choosing proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique and your policy should reflect that. For example, these questions may help highlight if your insurance needs may require specific advice.

• Which is better, split liability limits or combined limits?
• Do I have coverage when using my vehicle for my home business?
• Are rental cars covered under my policy?
• Do I benefit by insuring my home with the same company?
• What is PIP insurance?
• Do I need replacement cost coverage on my 2008 Mercedes-Benz E-Class?
• When does my teenage driver need to be added to my policy?
• Will filing a claim cost me more?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Coverages available on your auto insurance policy

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages available from auto insurance companies.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, theft, hitting a bird, a broken windshield and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like ambulance fees, surgery and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz E-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, scraping a guard rail, hitting a mailbox, backing into a parked car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to bring the cost down.