Compare 2016 Mercedes-Benz E-Class Insurance Quotes

Searching for lower insurance rates for your Mercedes-Benz E-Class? Are you overwhelmed by the number of insurance companies available to you? Many other people are as well. Drivers have such a large number of options that it can be a big hassle to compare premium rates.

It’s smart to do price comparisons before your policy renews due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the best price on E-Class coverage on your last policy you can probably find a better rate quote now. Forget all the misinformation about insurance because I’m going to teach you how to quote online to reduce your cost while increasing coverage.

If you currently have car insurance, you should be able to lower your premiums substantially using this strategy. Pricing cheaper protection is quite easy. But vehicle owners must comprehend how big insurance companies sell online.

How to buy insurance coverage online

When shopping for the cheapest auto insurance quotes, there are a couple of ways to compare quotes from insurance coverage companies in your area. The best way to find cheaper 2016 Mercedes-Benz E-Class rates is simply to get online rate quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

• Experts agree that the best way consumers can analyze rates would be an industry-wide quote request form (click to open form in new window). This quick form saves time by eliminating a different quote for every company. One simple form gets coverage cost estimates instantly. It’s definitely the quickest method.
• Another way to shop for insurance coverage online is to take the time to go to each company’s website and repeat the quote process again and again. For examples sake, let’s assume you are doing a rate comparison from Progressive, Esurance and Geico. To find out each rate you need to navigate to each company’s site and type in your information over and over, which explains why we recommend starting with the first method.

  To view a list of companies in your area, click here.

The method you choose is up to you, but double check that you are using the same coverage limits and deductibles with every price quote. If you are comparing different data it’s not possible to make a fair rate comparison. Having just a slight variation in limits could skew the results. And when quoting insurance coverage, remember that comparing a large number of companies helps increase your odds of locating a lower rate than you’re paying now. Some insurance companies are not set up to provide prices over the internet, so it’s necessary to compare price estimates from the smaller companies as well.

These discounts can cut car insurance rates

Buying car insurance is not cheap, but there could be available discounts to help bring down the price. A few discounts will automatically apply at the time of purchase, but a few need to be asked about before they will apply.

• Drive Less and Save – Low mileage vehicles could be rewarded with lower prices due to less chance of an accident.
• Driving Data Discount – Drivers who agree to allow their insurance company to study when and where they use their vehicle by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.
• Theft Deterent Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
• Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on E-Class coverage with a few car insurance companies.
• Discount for Good Grades – Excelling in school can save 20 to 25%. You can use this discount normally well after school through age 25.
• Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.
• Online Discount – A handful of car insurance companies will provide an incentive for buying a policy and signing up over the internet.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to buckle up before driving may be able to save a few bucks on medical payment and PIP coverage.

It’s important to understand that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think all the discounts add up to a free policy, companies don’t profit that way.

Companies that may offer policyholders most of the discounts above include:

• Geico
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

Before you buy a policy, ask every company how many discounts you can get. Some credits might not be available to policyholders in your area. If you would like to see a list of car insurance companies that offer some of these discounts, follow this link.

Insurance rates are influenced by these factors

Lots of things are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving record, but other criteria are more obscure such as your marital status or how financially stable you are.

• Your liability protection limits – A critical coverage on your policy, liability insurance will protect you when a court rules you are at fault for personal injury or accident damage. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
• Driving citations increase rates – How you drive has a lot to do with how much you pay for insurance. Only having one driving citation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates than bad drivers. People who have dangerous tickets such as hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 to the state department of motor vehicles in order to continue driving.
• Insurance is expensive for younger drivers – Young drivers are statistically proven to be less responsible in a vehicle so they pay higher car insurance rates. Having to add a youthful driver to your car insurance policy can increase premiums substantially. More experienced drivers are shown to be more cautious, tend to file fewer claims .
• Rates and your address – Being located in smaller towns and rural areas of the country has it’s advantages when it comes to car insurance. Less people translates into fewer accidents in addition to lower liability claims Drivers in populated areas tend to have more aggressive driving styles and much longer commute distances. More time commuting means more chances of being involved in an auto accident.
• Cars with good safety ratings lower car insurance rates – Vehicles that have high safety ratings cost less to insure. Vehicles built for safety have better occupant injury protection and lower rates of occupant injuries means your insurance company pays less which can result in lower premiums.
• Lower rates with alarm systems – Buying a car with advanced anti-theft systems can help lower your rates. Systems that thwart theives like OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
• Do you need those add-on coverages? – There are a ton of extra add-on coverages that you can buy on your E-Class policy. Insurance for things like rental car coverage, towing, and motor club memberships are some examples. They may seem good at first, but if you don’t need them think about removing them and cutting costs.

When do I need an agent’s advice?

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different.

These are some specific questions can help discover whether or not you will benefit from professional help.

• How can I find cheaper teen driver insurance?
• I have health insurance so do I need medical payments coverage?
• Are split liability limits better than a combined single limit?
• Can I get a multi-policy discount?
• I have a DUI can I still get coverage?
• What is the rate difference between pleasure use and commuting?
• Why am I required to get a high-risk car insurance policy?
• Am I covered if I drive in a foreign country?
• Should I rate my 2016 Mercedes-Benz E-Class as pleasure use or commute?
• Does my car insurance cover rental cars?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

The car insurance bait and switch

Car insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with ads on television and other media. All the companies try to convey promises that drivers can save some big amount just by moving your car insurance coverage to their company. How do they all charge you a lower premium? This is how they do it.

Insurance companies quote the lowest rates for the type of driver that will most likely be profitable. For instance, this type of insured might be described as a married male, has no claims, and drives a lower-performance vehicle. A customer getting a price quote who meets those qualifications will get low premium rates and will probably save when switching.

Consumers who don’t measure up to those criteria will have to pay a higher premium and this results in business not being written. If you listen closely, the ads state “customers that switch” not “everyone who quotes” save that much when switching. That’s the way insurance companies can confidently lure you into getting a quote. Because every company is different, you should get price quotes at each policy renewal. Because you never know which company will have the best prices at this point in time.

Learn about auto insurance coverages for a Mercedes-Benz E-Class

Having a good grasp of auto insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz E-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like rock chips in glass, falling objects, theft, hitting a deer and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage kick in for bills for things like doctor visits, pain medications and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

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. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance provides protection from damage that occurs to other people or property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, pain and suffering, attorney fees, structural damage and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

In conclusion

Drivers leave their current company for many reasons like questionable increases in premium, unfair underwriting practices, being labeled a high risk driver and extreme rates for teen drivers. It doesn’t matter what your reason, finding a great new company is actually quite simple.

We covered some good ideas how to lower your 2016 Mercedes-Benz E-Class insurance rates. It’s most important to understand that the more rate comparisons you have, the better likelihood of getting low cost auto insurance. You may even discover the best rates are with an unexpected company.

Cheaper car insurance is definitely available on the web in addition to local insurance agencies, so you should compare both so you have a total pricing picture. There are still a few companies who do not provide price quotes online and usually these small, regional companies provide coverage only through independent insurance agencies.

Helpful articles

• Safety Features for Your New Car (State Farm)
• Car Insurance: When not to Skimp (BankRate.com)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)