View 2017 Mercedes-Benz E-Class Insurance Quotes

Finding low-cost insurance for a new or used Mercedes-Benz E-Class can turn out to be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to shop for auto insurance and we’ll show you the absolute fastest way to compare rates for a Mercedes-Benz and locate the lowest possible price either online or from local insurance agents.

Shopping for cheaper protection can be fairly easy. If you have insurance now or need new coverage, you can use this information to get lower rates while maximizing coverage. Consumers just need to know the proper way to compare rates online.

How to buy auto insurance

All major auto insurance companies give price estimates from their websites. Doing online quotes can be done by anyone as you simply enter your personal and coverage information as requested by the quote form. When complete, their quoting system pulls your driving and credit reports and quotes a price.

This makes it a lot easier to compare rates but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes if you are searching for the best price possible.

Keep reading for an easier way to compare prices

A quicker way to compare auto insurance pricing requires only one form that gets prices from a bunch of companies at once. It saves time, eliminates form submissions, and makes online price comparison a lot less work. Once the form is submitted, your coverage is rated and you are able to buy any one of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the new coverage. This process just takes a couple of minutes and can result in significant savings.

To use this form to compare rates, click here to open in a new tab and submit the form. If you have a policy now, it’s recommended you duplicate your coverages as shown on your current policy. This ensures you will have a fair comparison for similar insurance coverage.

Why you might pay higher rates

Many different elements are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, but some are more transparent like where you live or your financial responsibility.The best way to find cheaper insurance coverage is to take a look at some of the factors that are used to determine the level of your policy premiums. When you understand what influences your rates, this empowers consumers to make smart changes that could result in lower rates.

The itemized list below are some of the things companies use to determine your prices.

• Save money by raising coverage deductibles – Coverage for physical damage, aka comp and collision, is used to repair damage to your vehicle. A few examples of covered claims would be a broken side mirror, vandalism, and rolling your vehicle. The deductibles define how much you are willing to pay before your insurance coverage pays a claim. The more of the claim you are required to pay out-of-pocket, the less money you will pay for insurance coverage on E-Class insurance.
• Lower premiums for vehicles with better crash test results – Safer cars get lower rates. The safest vehicles result in less severe injuries and lower rates of occupant injuries means your insurance company pays less and more competitive rates for policyholders. If your Mercedes-Benz E-Class earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Don’t cut corners with liability insurance – The liability section of your policy will afford coverage when you are responsible for personal injury or accident damage. Liability provides legal defense which can cost a lot. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Costs may be higher where you live – Residing in less populated areas of the country has it’s advantages when shopping for auto insurance. Residents of big cities tend to have more auto accidents and higher rates of accident claims. Lower population translates into fewer accident claims.
• The higher your credit rating the lower your rates – Having a good credit score can be an important factor in determining premium rates. Insureds that have high credit scores tend to be more responsible and file fewer claims than those with lower credit scores. Therefore, if your credit history leaves room for improvement, you could save money insuring your 2017 Mercedes-Benz E-Class if you improve your credit rating.
• Males tend to take more risk – Over time, data shows that women are safer drivers than men. Now that doesn’t mean females are better at driving than males. Men and women tend to get into at-fault accidents in similar numbers, but the men have accidents that have higher claims. Not only are claims higher, but men get cited for more serious violations like driving under the influence (DUI). Males from age 16 to 21 tend to get in the most accidents so it costs more to insure them.
• Marriage can lower rates – Walking down the aisle helps lower the price compared to being single. It may mean you are more mature and responsible and it’s proven that drivers who are married file infrequent claims.
• Pleasure use saves money – The higher the miles on your Mercedes-Benz every year the higher your rate. Almost all companies calculate rates based on how the vehicle is used. Cars that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. Make sure your policy properly reflects how each vehicle is driven. Improper usage on your E-Class can result in significantly higher rates.

Find hidden discounts on car insurance

Car insurance companies do not advertise every policy discount in a way that’s easy to find, so we break down both the well known and also the lesser-known discounts that may be available.

• Discounts for New Vehicles – Adding a new car to your policy may earn a small discount due to better safety requirements for newer models.
• Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft so companies will give you a small discount.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems prevent accidents and will save you 10% or more.
• Driver Safety – Taking part in a course that instructs on driving safety may get you a small discount if your company offers it.
• Cautious Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on E-Class insurance compared to accident prone drivers.
• Paper-free Discount – A few car insurance companies will give a small break for buying your policy online.
• Accident Free – Drivers with accident-free driving histories pay much less as opposed to drivers with a long claim history.
• Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course as it can save substantially.

Please keep in mind that most credits do not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. Even though the math looks like you could get a free car insurance policy, you aren’t that lucky.

The best car insurance companies and a selection of discounts are:

• American Family offers discounts including multi-vehicle, air bags, Steer into Savings, accident-free, defensive driver, and bundled insurance.
• Farm Bureau has savings for multi-vehicle, 55 and retired, driver training, multi-policy, safe driver, and renewal discount.
• State Farm may include discounts for multiple policy, good driver, driver’s education, safe vehicle, student away at school, and defensive driving training.
• Travelers discounts include payment discounts, multi-policy, save driver, driver training, and new car.
• The Hartford includes discounts for defensive driver, anti-theft, driver training, bundle, vehicle fuel type, and air bag.
• Geico has discounts for anti-theft, daytime running lights, multi-vehicle, air bags, driver training, and membership and employees.
• Progressive may have discounts that include good student, online signing, multi-vehicle, multi-policy, and continuous coverage.

Double check with each insurance company which credits you are entitled to. Savings may not apply to policies in your area. To see insurance companies who offer cheap car insurance quotes, click here to view.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.

These are some specific questions can aid in determining whether or not you may require specific advice.

• Who is covered when they drive my 2017 Mercedes-Benz E-Class?
• Am I covered by my spouse’s policy after a separation?
• Is my Mercedes-Benz E-Class covered if I use it for business?
• Do I need more liability coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Can I afford to buy a different vehicle if my 2017 Mercedes-Benz E-Class is totaled?
• Am I covered when delivering products for my home-based business?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Specifics of your insurance policy

Having a good grasp of your insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like theft, rock chips in glass, fire damage, hail damage and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses such as dental work, pain medications and rehabilitation expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

Collision insurance pays for damage to your E-Class resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as hitting a mailbox, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your 2017 Mercedes-Benz E-Class.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Auto liability insurance

This will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things such as medical services, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Do the work, save more money

Affordable 2017 Mercedes-Benz E-Class insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some companies do not provide online quoting and many times these small insurance companies only sell coverage through independent insurance agents.

Insureds change insurance companies for many reasons like high prices, lack of trust in their agent, an unsatisfactory settlement offer or even high rates after DUI convictions. Regardless of your reason, switching companies is pretty simple and you could end up saving a buck or two.

In this article, we covered some good ideas how to get a better price on 2017 Mercedes-Benz E-Class insurance. The key concept to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

Even more information can be read in these articles:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• What is Full Coverage? (Allstate)
• Event Data Recorders FAQ (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Tread Depth and Tire Safety (State Farm)