Save on 2011 Mercedes-Benz E-Class Car Insurance Quotes

Looking for lower car insurance rates for your Mercedes-Benz E-Class? Confused by the dozens of car insurance companies? Many other drivers are as well. You have so many choices that it can be a real hassle to locate the lowest price.

Smart consumers take time to take a look at other company’s rates every six months because rates are usually higher with each renewal. Despite the fact that you may have had the best price for E-Class insurance a few years ago you can probably find a lower rate today. So forget all the misinformation about car insurance because we’re going to show you how to quote online to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you should be able to save some money using these methods. The purpose of this article is to introduce you to the most effective way to quote insurance and some money-saving tips. But drivers must know the way companies sell online.

Save with discounts on 2011 Mercedes-Benz E-Class insurance

Companies do not list every discount very clearly, so here is a list both the well known and the more hidden savings tricks you should be using.

  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for E-Class insurance depending on your company.
  • College Student – Kids in college living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Defensive Driving Course – Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
  • Multi-car Discount – Having more than one vehicle on the same insurance policy may reduce the rate for each vehicle.
  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Homeowners Savings – Owning a house may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • Life Insurance Discount – Larger companies have better rates if you take out a life insurance policy as well.

As a disclaimer on discounts, some of the credits will not apply to the entire policy premium. Some only reduce individual premiums such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck.

For a list of insurance companies with the best insurance discounts, follow this link.

Why your Mercedes-Benz E-Class insurance rates may be high

It’s important that you understand some of the elements that play a part in calculating the rates you pay for insurance. Having a good understanding of what determines base rates allows you to make educated decisions that can help you get better insurance rates.

Shown below are a few of the “ingredients” companies use to determine your rates.

  • Add-on coverages can add up – There are a ton of additional coverages that you can buy on your E-Class policy. Coverages for personal injury protection, towing coverage and motor club memberships are examples of these. They may seem good initially, but if you don’t need them eliminate them to save money.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • More people means more accidents – Residing in less populated areas is a positive aspect when talking about insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have more traffic problems and much longer commute distances. More time commuting can result in more accidents.
  • Frequent insurance claims increase rates – If you tend to file frequent claims, you can pretty much guarantee higher rates. Car insurance companies award cheaper rates to policyholders who are claim-free. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Marriage pays dividends – Being married can get you a discount on insurance. Having a spouse usually means you are more responsible and it’s proven that married couples file fewer claims.
  • Lower deductibles cost more – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before your insurance pays a claim. Coverage for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered could be running into the backend of another car, damage from fire, and burglary. The higher the amount the insured has to pay upfront, the less your company will charge you for insurance for E-Class insurance.
  • A clean driving record saves money – Only having one speeding ticket can boost insurance rates by twenty percent. Careful drivers receive lower rates than bad drivers. Drivers with serious tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to continue driving.

Tailor your coverage to you

When buying the best car insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether you may require specific advice.

  • Is a blown tire covered by insurance?
  • Is my dog or cat covered if injured in an accident?
  • How much can I save by bundling my policies?
  • How can I get high-risk coverage after a DUI?
  • How much liability do I need to cover my assets?
  • Am I covered when driving a rental car?
  • What is the difference between comprehensive and collision coverage?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Car insurance 101

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, hospital visits, pain medications, surgery and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability

This can cover damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, funeral expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz E-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This will pay to fix damage to your E-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

The bottom line

Consumers switch companies for a variety of reasons including policy cancellation, delays in paying claims, high rates after DUI convictions or even high prices. Regardless of your reason for switching companies, switching auto insurance companies can be easier than you think.

When buying insurance coverage, do not skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to buy the best coverage you can find at the best price while still protecting your assets.

Low-cost 2011 Mercedes-Benz E-Class insurance can be found online and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not offer online price quotes and these small insurance companies work with independent agents.

More information can be read at the links below