View 2013 Mercedes-Benz E-Class Insurance Quotes

Want lower car insurance rates for your Mercedes-Benz E-Class? Do you get frustrated by the wide range of car insurance sources in your area? People have such a vast assortment of sources available that it can easily turn into a lot of work to compare rates.

If you have car insurance now, you will most likely be able to save some money using this strategy. Pricing more affordable insurance can be fairly easy. Although car owners must learn the way insurance companies compete online and apply this information to your search.

How your E-Class insurance prices are determined

Multiple criteria are used when you get a price on insurance. A few of the factors are predictable such as your driving history, but some are not as apparent such as whether you are married or how financially stable you are.

The itemized list below are most of the major factors companies use to determine prices.

• Prevent your car from being stolen – Owning a car with a theft deterrent system can get you a discount on your insurance. Theft prevention features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent your car from being stolen.
• Your gender affects premiums – Over the last 50 years, statistics have shown females are less aggressive when driving. It does not mean women are better drivers. Females and males get in fender benders at about the same rate, but the men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are the most expensive to insure and therefore have the most expensive insurance rates.
• Big city or small town – Living in a rural area has it’s advantages when it comes to insurance. Fewer drivers means less chance of accidents in addition to lower liability claims Drivers who live in large cities have to deal with more aggressive driving styles and more severe claims. More time on the road means more chance of being in an accident.
• Job stress can affect insurance rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as judges, social workers and miners tend to pay higher premium rates in part from high stress levels and lots of time spent at work. Conversely, occupations such as scientists, athletes and performers pay lower than average rates on E-Class coverage.

Finding insurance

To get cheap insurance coverage quotes, there a variety of ways of comparing rates from different insurance companies. The quickest method to find the lowest 2013 Mercedes-Benz E-Class rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.

1. The first (and easiest) way to get quotes would be an industry-wide quote request form click here to open form in new window. This type of form saves time by eliminating separate forms for every prospective company. One form will get you rate comparisons from multiple companies. Just one form and you’re done.
2. A different way to compare rate quotes consists of going to each company’s website to complete a price quote. For instance, let’s assume you are doing a rate comparison from Allstate, Safeco and Geico. You would be required to go to each individual site to input your insurance information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just do your best to use nearly identical coverages for each quote you get. If the quotes have differing limits you can’t possibly truly determine the lowest rate. Having just a slight variation in coverage limits can mean a large discrepancy in price. Just keep in mind that obtaining a wide range of quotes helps locate the best offered rates. Not every company provides price estimates online, so it’s important to also get prices from those companies as well.

Use discounts on insurance

Insurance can be prohibitively expensive, but there may be some discounts that could help you make your next renewal payment. Certain discounts will be applied when you get a quote, but occassionally some discounts must be asked about in order for you to get them. If you are not receiving all the discounts available, you are not getting the best rate possible.

• Responsible Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their insurance coverage quote on E-Class coverage than drivers with accidents.
• Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.
• Life Insurance – Insurance companies who offer life insurance give better premium rates if you take out some life insurance too.
• Early Renewal Discounts – A few insurance companies give discounts for buying a policy early. You could save around 10% when you buy insurance coverage online.
• New Vehicle Savings – Buying a new car instead of a used car may earn a small discount due to better safety requirements for new model year vehicles.
• E-sign Discounts
• Accident Free – Insureds with no claims or accidents pay less in comparison to policyholders that have many claims.
• Lower Rates for Military – Being on active duty in the military may lower your rates slightly.
• Government Employees – Active or former government employment can earn a discount up to 10% on E-Class coverage with some insurance companies.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.

Keep in mind that most of the big mark downs will not be given to your bottom line cost. Most cut specific coverage prices like collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

Some of the larger companies that may offer policyholders these money-saving discounts include:

• Progressive
• SAFECO
• American Family
• MetLife
• Geico
• The Hartford

Check with every insurance company which discounts they offer. Some of the earlier mentioned discounts may not apply to policies in your area.

Tailor your insurance coverage to you

When buying the best insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every situation is different.

For example, these questions might help in determining if your insurance needs could use an agent’s help.

• Am I missing any policy discounts?
• Is a new car covered when I drive it off the dealer lot?
• How much liability insurance is required?
• Do I pay less for low miles?
• Should I buy additional glass protection?
• Will my rates increase for filing one claim?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage information

Having a good grasp of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as pain medications, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision protection

This coverage pays for damage to your E-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as colliding with another moving vehicle, colliding with a tree, crashing into a ditch and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

Liability insurance

This coverage provides protection from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

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 liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like legal defense fees, pain and suffering and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a tree branch falling on your vehicle, falling objects, theft, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Save for a rainy day

When shopping online for insurance, it’s very important that you do not reduce needed coverages to save money. There have been many situations where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at the best price.

You just read a lot of ways to lower your 2013 Mercedes-Benz E-Class insurance prices. The key thing to remember is the more you quote insurance coverage, the better chance you’ll have of finding cheap insurance coverage. Drivers may discover the best price on insurance is with the least-expected company.

Affordable 2013 Mercedes-Benz E-Class insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. Some insurance companies may not have the ability to get a quote online and usually these regional insurance providers provide coverage only through independent insurance agents.

To read more, take a look at the articles below:

• Get the Right Protection (InsureUonline.org)
• Auto Insurance FAQ (Farmers Insurance)
• Distracted Driving (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)