2014 Mercedes-Benz E-Class Insurance Quotes – 5 Tricks for Best Rates

Searching for cheaper insurance for your Mercedes-Benz E-Class can normally be a lot of work, but you can follow these tips to save time.

There is a right way and a wrong way to find auto insurance online so we’re going to tell you the quickest way to quote coverages for a Mercedes-Benz and find the lowest possible price.

If you have a current insurance coverage policy or need new coverage, you can learn to reduce the price you pay and possibly find even better coverage. Locating the best protection is easy if you know what you’re doing. Vehicle owners just need to learn the tricks to shop for insurance coverage over the internet.

The best way we recommend to compare car insurance company rates is to take advantage of the fact auto insurance companies actually pay money for the chance to give you rate quotes. The only thing you need to do is give them some information including how old drivers are, how much education you have, if you are currently licensed, and whether you have decent credit. Your details is sent automatically to multiple companies and they provide comparison quotes within a short period of time.

To compare rates now, click here and enter your coverage details.

Do you qualify for discount car insurance?

Properly insuring your vehicles can get expensive, but you may find discounts to cut the cost considerably. Some of these disounts will be visible when you get a quote, but a few must be inquired about prior to getting the savings.

• Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and therefore earn up to a 10% discount.
• Telematics Devices – People who choose to allow companies to analyze vehicle usage by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
• Online Discount – Many insurance companies give back up to $50 for signing up on their website.
• Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
• Defensive Driver Discounts – Completing a defensive driving class may get you a small discount and also improve your driving technique.

As a footnote on discounts, most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. So when it seems like adding up those discounts means a free policy, companies don’t profit that way.

Companies and a partial list of their discounts can be read below.

• State Farm offers premium reductions for defensive driving training, good driver, driver’s education, Drive Safe & Save, multiple policy, and student away at school.
• Progressive may include discounts for multi-vehicle, good student, online signing, continuous coverage, and online quote discount.
• Progressive has discounts for online signing, good student, multi-vehicle, homeowner, multi-policy, and online quote discount.
• MetLife offers discounts including accident-free, multi-policy, good driver, claim-free, good student, and defensive driver.
• Farm Bureau policyholders can earn discounts including renewal discount, multi-policy, driver training, youthful driver, multi-vehicle, and 55 and retired.
• Geico discounts include multi-vehicle, good student, seat belt use, anti-theft, anti-lock brakes, and driver training.
• SAFECO may offer discounts for teen safety rewards, multi-car, safe driver, homeowner, anti-theft, accident prevention training, and anti-lock brakes.

Double check with every company what discounts are available to you. Savings may not apply in your state.

What insurance coverages do I need?

When it comes to choosing adequate coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

• What is the ISO rating for a 2014 Mercedes-Benz E-Class?
• Can I afford to pay high deductible claims out of pocket?
• Should I put collision coverage on all my vehicles?
• Is my babysitter covered when using my vehicle?
• Can my teen drive my company car?
• Is my camper covered by my car insurance policy?
• Can I get a multi-policy discount?
• Are rental cars covered under my policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can provide invaluable advice.

Insurance coverage ads are enticing

Consumers can’t get away from ads that claim the cheapest prices from the likes of Allstate, Geico and Progressive. All the ads convey the message about saving some big amount if you get a free insurance coverage quote and switch to their company.

How does every insurance coverage company give you a lower rate? It’s all in the words they use.

All the different companies give the cheapest rates for the right customer that makes them money. A good example of a profitable risk profile may need to be between the ages of 30 and 50, carries high limits, and has a high credit rating. A driver that matches those criteria will get a cheap rate quote and therefore will save if they switch.

People who fall outside these stringent criteria will be quoted a more expensive rate and this can result in business not being written. If you pay attention, the ads say “people that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That’s the way companies can truthfully make those claims.

Each company has different criteria, so you need to get price quotes at each policy renewal. It is impossible to predict which insurance companies will have the best prices.

Specifics of your car insurance policy

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like EMT expenses, ambulance fees, nursing services and surgery. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Auto collision coverage

This coverage pays for damage to your E-Class resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as scraping a guard rail, rolling your car, backing into a parked car, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, theft, fire damage and damage from flooding. 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 removing comprehensive coverage.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values 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 a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers things such as medical services, emergency aid, loss of income, structural damage and court costs. How much liability coverage do you need? That is your choice, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz E-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these limits are identical to your policy’s liability coverage.

More choices the merrier

Affordable 2014 Mercedes-Benz E-Class insurance is available from both online companies in addition to many insurance agents, so you need to quote insurance coverage with both in order to have the best price selection to choose from. There are still a few companies who may not provide price quotes online and many times these small, regional companies sell through local independent agents.

We just covered many ways to lower your 2014 Mercedes-Benz E-Class insurance premium rates. The key thing to remember is the more you quote insurance coverage, the more likely it is that you will get a better rate. Consumers may even find the best premium rates are with some of the lesser-known companies.

When searching for cheaper insurance coverage quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped collision coverage and learned later they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at an affordable rate while not skimping on critical coverages.

Additional learning opportunities

• What is a Telematics Device? (Allstate)
• Safety Belts FAQ (iihs.org)
• Tread Depth and Tire Safety (State Farm)
• What is Full Coverage? (Allstate)
• Prepare your Teens for Safe Driving (InsureUonline.org)