2012 Mercedes-Benz E-Class Insurance Rates – 9 Savings Tips

Locating better insurance prices for a new or used Mercedes-Benz E-Class can normally be an all-consuming task, but you can use our car insurance buying tips to save time. There is a better way to shop for car insurance so you’re going to learn the absolute fastest way to get price quotes for your Mercedes-Benz and locate the lowest possible price from local insurance agents and online providers.

It’s a great practice to compare prices every six months since insurance rates change quite often. Just because you had the lowest rates on E-Class coverage a few years ago a different company probably has better rates today. Ignore everything you know about car insurance because I’m going to let you in on the secrets to the quickest way to find better coverage at a better price.

Comprehensive Car Insurance Comparison Quotes

Getting a lower price on 2012 Mercedes-Benz E-Class insurance is not a difficult process. Drivers just need to spend a few minutes on the computer to compare rate quotes from different insurance companies. This can be done using a couple different methods.

The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This easy form keeps you from doing separate quote forms to each individual car insurance company. One form gets rate comparisons from multiple low-cost companies. Just one form and you’re done.

A slightly less efficient method to shop for car insurance online consists of visiting the website for each individual company to request a price quote. For examples sake, let’s assume you want to compare USAA, Progressive and American Family. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

Which method you use is up to you, but double check that you are using identical quote information with each company. If you enter different values for each quote it will be next to impossible to decipher which rate is best.

Cut prices on Mercedes-Benz E-Class insurance

Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find ways to save on insurance coverage. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Paperless Signup – Certain companies will give a small break for buying your policy online.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on E-Class coverage than drivers with accident claims.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt could cut 10% or more on the medical payments or PIP coverage costs.
  • Safety Course Discount – Taking a driver safety course could save 5% or more depending on where you live.
  • Senior Citizens – Mature drivers may receive a discount up to 10% on E-Class coverage.

It’s important to note that some of the credits will not apply to the entire cost. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like you could get a free insurance coverage policy, companies don’t profit that way.

For a list of insurance companies offering insurance coverage discounts, click here.

Tailor your coverage to you

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover whether you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • What is the minimum liability in my state?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • Is a blown tire covered by insurance?
  • Is pleasure use cheaper than using my 2012 Mercedes-Benz E-Class to commute?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Coverages available on your car insurance policy

Learning about specific coverages of your car insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as fire damage, damage from a tornado or hurricane and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers things such as bail bonds, repair costs for stationary objects, attorney fees, loss of income and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for doctor visits, prosthetic devices, nursing services and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

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

Collision coverage protects against things like crashing into a building, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Knowledge is power

People change insurance companies for many reasons like being labeled a high risk driver, questionable increases in premium, delays in responding to claim requests or delays in paying claims. It doesn’t matter why you want to switch switching companies can be less work than you think.

We just covered quite a bit of information on how to get a better price on 2012 Mercedes-Benz E-Class insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from the least-expected company.

Affordable insurance can be sourced both online in addition to many insurance agents, and you need to price shop both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

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