2010 Mercedes-Benz E-Class Insurance Cost – 5 Tips to Save

Trying to find lower auto insurance rates for your Mercedes-Benz E-Class? Did you come to the realization that you have overpriced auto insurance? You’re preaching to the choir because there are many people just like you.

There is such a variety of insurers to insure vehicles with, and although it’s nice to have a selection, it can be more difficult to locate the cheapest rates.

It is always a good idea to check auto insurance prices quite often because prices are adjusted regularly by insurance companies. Just because you found the best deal for E-Class insurance at your last renewal there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the quickest ways to save money, get proper coverage and the best rates.

Choosing the best insurance company for you is not rocket science. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using these methods. But car owners do need to learn the methods companies use to price insurance differently and take advantage of how the system works.

Affordable insurance coverage

There are multiple methods to compare insurance coverage prices and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit their information once, and each participating company can give them a price based on that data. This system prevents you from having to do repetitive form submissions for every insurance coverage company.

To access this free quoting program, click here to start a free quote.

One minor caviat to using this type of system is buyers cannot specifically choose the companies you want to price. If you wish to select individual companies for rate comparison, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

Compare rates however you want, just try to keep the same coverage information for each price quote. If you compare different limits and deductibles on each one it will be impossible to make an equal comparison. Just a small difference in limits could mean much higher rates. And when quoting insurance coverage, remember that making a lot of price comparisons helps locate a better price. Not every company does prices over the internet, so you also need to get quotes from them as well.

Do you really save 40% when you switch?

Car insurance providers like Allstate, Geico and Progressive consistently run television, radio, and online ads. They all seem to seem to make the promise that you can save if you get a free insurance quote and switch your policy. How does each company charge you a lower premium? Just pay attention to how they say it.

Car insurance companies have specific guidelines for a prospective insured that will add to their bottom line. A good example of a profitable insured may be over age 30, has no tickets, and does not commute to work. Any new insured who fits that profile is entitled to the best price and will most likely save money with a new company.

Potential insureds who do not fit this ideal profile may be forced to pay higher prices which results in the prospect going elsewhere. The ads state “drivers that switch” not “everybody who quotes” save that much money. This is how companies can truthfully advertise the way they do. This really emphasizes why you should do a rate comparison at every renewal. It is impossible to guess which car insurance company will have better prices than you’re paying now.

Get cheaper auto insurance rates with discounts

Car insurance companies don’t necessarily list all available discounts very well, so we took the time to find some of the best known and also the more inconspicuous credits available to you.

  • College Student – College-age children who live away from home at college and leave their car at home can receive lower rates.
  • Professional Organizations – Being in qualifying employment or professional organizations may earn a discount when shopping for auto insurance.
  • Cautious Driver Discounts – Drivers without accidents can save as much as half off their rates for E-Class insurance than less cautious drivers.
  • Discount for Good Grades – Performing well in school may save as much as 25% on a insurance quote. Earning this discount can benefit you until age 25.
  • Paperwork-free – A handful of companies may give you up to $50 for completing your application on the web.

While discounts sound great, it’s important to understand that some of the credits will not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will definitely reduce your overall premium however.

Popular auto insurance companies and some of the discounts are:

  • Geico includes discounts for good student, defensive driver, five-year accident-free, anti-theft, air bags, multi-policy, and membership and employees.
  • MetLife may offer discounts for multi-policy, claim-free, good student, defensive driver, and good driver.
  • State Farm offers premium reductions for safe vehicle, defensive driving training, good student, Drive Safe & Save, and multiple autos.
  • Progressive has savings for multi-policy, online signing, online quote discount, good student, and continuous coverage.
  • Mercury Insurance has discounts for anti-theft, annual mileage, accident-free, multi-car, and professional/association.
  • 21st Century policyholders can earn discounts including anti-lock brakes, automatic seat belts, teen driver, early bird, and theft prevention.
  • Allstate discounts include defensive driver, new car, multi-policy, eSmart discount, FullPay discount, and good payer.

If you need inexpensive insurance quotes, ask each company or agent to apply every possible discount. Some credits might not be offered on policies in your area.

Tailor your insurance coverage coverage to you

When choosing coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine if you will benefit from professional help.

  • Are my tools covered if they get stolen from my vehicle?
  • When do I need to add a new car to my policy?
  • If my 2010 Mercedes-Benz E-Class is totaled, can I afford another vehicle?
  • Am I covered when using my vehicle for business?
  • Does coverage extend to my business vehicle?
  • What are the best liability limits?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When can I cancel my policy?
  • Am I covered when pulling a rental trailer?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Car insurance coverage basics

Understanding the coverages of your car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by car insurance companies.

Coverage for collisions

Collision coverage will pay to fix damage to your E-Class resulting from a collision 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 damaging your car on a curb, crashing into a building and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like repair costs for stationary objects, funeral expenses and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like hospital visits, X-ray expenses, nursing services, chiropractic care and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive protection

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, fire damage and theft. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

The best insurance company isn’t always the cheapest

Some insurance coverage companies don’t offer rates over the internet and many times these smaller companies prefer to sell through independent insurance agents. Cheap 2010 Mercedes-Benz E-Class insurance is attainable from both online companies and also from your neighborhood agents, so you need to compare both to have the best rate selection.

We just covered a lot of information how to compare 2010 Mercedes-Benz E-Class insurance premium rates online. The most important thing to understand is the more times you quote, the higher your chance of finding affordable insurance. You may even discover the lowest priced insurance coverage comes from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

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Comments About 2010 Mercedes-Benz E-Class Insurance

  1. Amalia Duncan

    I’m in the suburbs of Allentown, Pennsylvania. Compared quite a few companies. Saved about $40 a month. GEICO was the cheapest option for me. Online quotes are the way to go.

  2. Brigitte Evans

    Cheaper not always better. I’m just east of Detroit, Michigan. Checked online prices for a 2010 Mercedes-Benz E-Class. Ended up at about $510 savings annually. Went with 21st Century. Got better coverage too. Not sure if rates are cheaper online or not.

  3. Hector Martin

    Just my two cents. Proud to be from Owensboro, KY. I quoted with Travelers, American Family, Hanover, and Sentry for my 2010 Mercedes-Benz E-Class and saved $327 a year. Left Amica to switch. I have kids on my policy, too.

  4. Felice Gilmore

    Will 21st Century raise rates for a small claim?

  5. Audria Horton

    Here’s my quote info. I’m from Fort Wayne, Indiana. I quoted with GEICO, AIG Insurance, Erie, and Hartford for my 2010 Mercedes-Benz E-Class and am saving around $150 a year.

  6. Ali Richard

    Located in Aurora, Colorado. Received quotes with The General, Amica, Nationwide, and a couple others for my Mercedes-Benz and I think I am saving around $60 each month. Was with Esurance.

  7. Marquerite Estrada

    I found pretty cheap rate quotes for a 2010 Mercedes-Benz E-Class in Missoula, Montana. Ended up at about $150 every six months with AAA. It was easy to get rates.

  8. Kasandra Bailey

    I got a good deal I think. I live just outside Frederick, MD. Went online for free insurance quotes for a 2010 Mercedes-Benz E-Class. Ended up at about $190 savings annually. Went with Progressive. Left Auto-Owners to switch. :)

  9. Rosaura Kidd

    Anyone buy from Amica? I’m in Louisville, Kentucky.

  10. Alpha Jarvis

    I’ve bought from 21st Century forever. Cheapest rates in Billings, MT.

  11. Abbie Keith

    Here’s what I found out. I’m in the west part of Kailua, Hawaii. Quoted with Liberty Mutual, AIG Insurance, Safeco, and a couple others for my 2010 Mercedes-Benz E-Class and I think I saved around $50 each month. Was with GMAC.

  12. Katrice Sawyer

    Like your site, BTW. Checking in from Tampa, FL. Quoted prices from Allstate, AIG Insurance, Encompass, and Hartford for my Mercedes-Benz and I think I saved around $60 each month. It never hurts to quote around.

  13. Marjory Patterson

    I’ve insured with Progressive for a long time. Pretty cheap in Rio Rancho, New Mexico.