2009 Mercedes-Benz E-Class Insurance Cost

Looking for the cheapest car insurance rates for your Mercedes-Benz E-Class? Have you had enough of sacrificing to pay high car insurance rates every month? Your situation is no different than millions of other vehicle owners.

Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurance company to find the absolute lowest rate

Consumers should take time to do rate comparisons quite often because car insurance prices change frequently. Even if you think you had the best rate on E-Class coverage at your last renewal there is a good chance you can find better premium rates now. You can search a lot of car insurance online but in a few minutes you can learn some guaranteed methods to lower your car insurance rates.

How much is car insurance?

There are several ways to shop for car insurance, but some are less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can utilize the internet to maximize your effort.

All the larger companies belong to an insurance system that allows shoppers to submit one quote, and every company returns a rated price based on that information. This system prevents you from having to do repetitive form submissions for each company.

To enter your information into the quoting system, click to open in new window.

The only drawback to using this type of form is that consumers can’t choose the insurers to get quotes from. If you would rather choose individual companies for rate comparison, we have a page of low cost car insurance companies in your area. Click here to view list.

Which method you use is up to you, but do your best to use exactly the same quote data with each company. If you have differing limits it will be next to impossible to determine the best price for your Mercedes-Benz E-Class. Having just a slight variation in insurance coverages could throw off the whole comparison. Keep in mind that comparing more rates from different companies helps locate the best price. Not every company allows you to get rate quotes online, so it’s necessary to compare prices on coverage from those companies, too.

Are you receiving every discount?

Insurance can cost an arm and a leg, but there’s a good chance there are discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be specifically requested before you get the savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

• Military Discounts – Being deployed in the military may qualify for rate reductions.
• Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20 to 30 percent.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have steering control and anti-lock brakes have fewer accidents and therefore earn up to a 10% discount.
• Distant College Student Discount – Children who attend college more than 100 miles from home and do not take a car to college may be able to be covered for less.
• Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy a life insurance policy as well.
• Home Ownership Discount – Simply owning a home may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
• Good Student Discount – This discount may save you up to 25%. You can use this discount normally up to age 25.

Don’t be shocked that most credits do not apply to the entire policy premium. Most cut individual premiums such as liability and collision coverage. Despite the appearance that you can get free auto insurance, insurance companies wouldn’t stay in business. Any amount of discount will reduce the premium cost.

To choose insurance companies that offer some of these discounts, click here to view.

When in doubt talk to an agent

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that might point out if you could use an agent’s help.

• What is medical payments coverage?
• Which is better, split liability limits or combined limits?
• Is motorclub coverage worth it?
• Does my insurance cover my expensive audio equipment?
• Is pleasure use cheaper than using my 2009 Mercedes-Benz E-Class to commute?
• If I drive on a suspended license am I covered?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages found on the average insurance policy.

Medical expense coverage

Med pay and PIP coverage pay for immediate expenses for things like nursing services, doctor visits, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, a broken windshield, damage from getting keyed and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for liability

Liability coverage protects you from damage that occurs to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as pain and suffering, loss of income, legal defense fees and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Auto collision coverage

This covers damage to your E-Class from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a building, backing into a parked car, sideswiping another vehicle, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz E-Class.

Since 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. Frequently these coverages are identical to your policy’s liability coverage.