1999 Mercedes-Benz E-Class Car Insurance Quotes

Want better insurance rates for your Mercedes-Benz E-Class? Expensive insurance can overdraw your personal savings and put the squeeze on your family’s finances. Comparison shopping is a smart way to lower your monthly bill.

Big companies like State Farm, Progressive and Geico continually bombard you with advertising and it is challenging if not impossible to see past the geckos and flying pigs and do the work needed to find the best deal.

Consumers should take time to shop coverage around yearly since rates are usually higher with each renewal. Even if you think you had the lowest price for E-Class insurance a couple years back there is a good chance you can find better rates now. Ignore everything you know about insurance because I’m going to let you in on the secrets to how to use online quotes to find better coverage at a better price.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is easy if you know what you’re doing. Nevertheless, consumers need to learn how companies determine prices because it can help you find the best coverage.

Mercedes-Benz E-Class rates are complex

Consumers need to have an understanding of the factors that come into play when calculating car insurance rates. Understanding what impacts premium levels enables informed choices that may reward you with better car insurance rates.

  • Liability coverage is cheap – Your policy’s liability coverage provides coverage if ever a jury decides you are liable for damages from an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so do not cut corners here.
  • Too many car insurance claims drive up costs – Insurance companies give better rates to people who do not file claims often. If you file claims often, you can look forward to either policy cancellation or increased premiums. Your insurance policy is intended to be relied upon for larger claims.
  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men cause accidents in similar percentages, but men cause more damage. Men also have more aggressive citations like reckless driving and DUI. Young males are most likely to cause an accident and thus pay the highest rates.
  • Traffic violations increase rates – Your driving record has a lot to do with how much you pay for insurance. Even a single citation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers who get dangerous violations like DUI or reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • How credit affects car insurance rates – A driver’s credit score is a big factor in your rate calculation. People with excellent credit tend to be more responsible than drivers who have lower ratings. If your credit history is low, you could pay less to insure your 1999 Mercedes-Benz E-Class by improving your credit score.
  • Optional equipment can affect rates – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Do you qualify for a multi-policy discount? – Some insurance companies will award you with lower prices to people who buy several policies from them, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to verify if the discount is saving money. Drivers may still find a better deal by insuring with multiple companies.

Get lower rates on 1999 Mercedes-Benz E-Class insurance

Auto insurance companies don’t always advertise every available discount in an easy-to-find place, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Own a Home – Owning a home may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Safe Drivers – Insureds without accidents may save up to 50% more for E-Class insurance than drivers with accidents.
  • Organization Discounts – Participating in a qualifying organization could trigger savings on your policy for E-Class insurance.
  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.
  • Anti-theft System – Anti-theft and alarm systems can help prevent theft and will save you 10% or more.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only reduce specific coverage prices like medical payments or collision. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous.

Companies that may offer these benefits include:

Before buying, ask all companies you are considering how you can save money. Savings might not be offered in every state.

Drivers who switch save $437 a year? Really?

Auto insurance companies such as Geico, State Farm and Progressive consistently run ads on television and other media. They all seem to have a common claim about savings if you change your coverage to them. But how can every company make almost identical claims?

All companies have a preferred profile for the type of customer that is profitable for them. A good example of a driver they prefer could possibly be between 30 and 50, a clean driving record, and drives less than 7,500 miles a year. Any new insured who matches those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

Drivers who are not a match for the “perfect” profile will have to pay higher premiums and this can result in business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make those claims. Because of the profiling, you absolutely need to quote coverage with many companies. It’s just too difficult to predict which insurance companies will have the lowest Mercedes-Benz E-Class insurance rates.

Tailor your coverage to you

When it comes to buying proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different so this has to be addressed. For instance, these questions can help discover whether you might need professional guidance.

  • Should I rate my 1999 Mercedes-Benz E-Class as pleasure use or commute?
  • Why am I required to buy liability insurance?
  • Is my 1999 Mercedes-Benz E-Class covered for smoke damage?
  • Do I need motorclub coverage?
  • When can I cancel my policy?
  • Where can I find high-risk insurance?
  • Does liability extend to a camper or trailer?
  • Do I need replacement cost coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Learning about specific coverages of insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from insurance companies.

Coverage for uninsured or underinsured drivers

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercedes-Benz E-Class.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, falling objects, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

Collision insurance covers damage to your E-Class resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, colliding with a tree, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, prosthetic devices, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverages

Liability coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like attorney fees, funeral expenses, pain and suffering and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Buy Smart and Save

Affordable 1999 Mercedes-Benz E-Class insurance is definitely available from both online companies as well as from independent agents, so compare prices from both so you have a total pricing picture. Some companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. In many instances, someone dropped physical damage coverage only to discover later that it was a big error on their part. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

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