2014 Mercedes-Benz E-Class Insurance Rates

Nobody likes paying for insurance coverage, particularly when their premiums are through the roof. Multiple car insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the cheapest price

You should make it a habit to compare prices before your policy renews because prices are variable and change quite frequently. If you had the lowest price on E-Class coverage on your last policy the chances are good that you can find a lower rate today. So block out anything you think you know about insurance coverage because I’m going to teach you one of the easiest ways to find better rates and still maintain coverage.

Vehicle Insurance Comparison

There are a lot of ways to compare insurance quotes, but one way is more efficient than others. You could spend your day discussing policy coverages with agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace where insurance shoppers send in one quote, and each company can provide price quotes for coverage. This prevents consumers from doing repetitive form submissions to each individual insurance company. To compare 2014 Mercedes-Benz E-Class rates using this form now click here to start a free quote.

The only downside to comparing rates this way is you don’t know exactly the insurers you want to price. So if you prefer to choose specific insurance companies to compare rates, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but ensure you’re using the exact same coverage limits and deductibles for each comparison quote. If your comparisons have higher or lower deductibles it’s not possible to make a fair comparison for your Mercedes-Benz E-Class.

Why you might be paying too much to insure your Mercedes-Benz E-Class

An important part of buying insurance is that you know some of the elements that go into determining the rates you pay for car insurance. Understanding what influences your rates allows you to make educated decisions that can help you get better car insurance rates.

Listed below are some of the items companies use to determine your rates.

  • Your age impacts your rates – Young drivers tend to be more careless when driving so car insurance rates are higher. Having to add a teen driver to your policy can be quite pricey. More mature drivers are viewed as being more responsible, file fewer claims and receive fewer citations.
  • High numbers of claims are not good – If you file claims often, you can look forward to higher rates. Auto insurance companies provide better rates to drivers who do not file claims often. Insurance coverage is intended for larger claims.
  • How’s your driving record? – Your driving citation history has a lot to do with how much you pay for insurance. Just one ticket can increase rates twenty percent or more. Good drivers have lower premiums than their less careful counterparts. Drivers who have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state DMV in order to prevent a license revocation.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on car insurance. Having a spouse translates into being more mature and responsible it has been statistically shown that married drivers get in fewer accidents.
  • Your occupation can affect rates – Did you know your job can affect your rates? Occupations such as lawyers, business owners and accountants tend to pay higher rates than average due to job stress and lengthy work days. On the flip side, jobs such as actors, athletes and homemakers have the lowest average rates on E-Class coverage.
  • Never allow your policy to lapse – Letting your insurance expire is a sure-fire way to increase your car insurance rates. Not only will rates go up, failure to provide proof of insurance may earn you a revoked license or a big fine.
  • High deductibles save money – Deductibles for physical damage define the amount you are willing to pay out-of-pocket before a claim is paid by your company. Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered would be running into the backend of another car, damage from fire, or theft. The more expense the insured has to pay upfront, the bigger discount you will receive on E-Class coverage.
  • Don’t sacrifice liability coverage – Liability coverage provides coverage in the event that a jury decides you are liable for causing damage or personal injury in an accident. Liability provides legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.

Pay less for Mercedes-Benz E-Class insurance

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Most are applied at the time you complete a quote, but a few must be specifically requested prior to getting the savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance coverage policy could earn a price break for each car.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Defensive Driving Course – Completing a defensive driving course could cut 5% off your bill depending on where you live.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut specific coverage prices like comprehensive or collision. So when it seems like you could get a free insurance coverage policy, you’re out of luck. Any qualifying discounts will cut the amount you have to pay.

Car insurance companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask every prospective company which discounts they offer. Savings might not apply in your state.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining whether you would benefit from professional advice.

  • Is my Mercedes-Benz E-Class covered if I use it for business?
  • Should I buy full coverage?
  • Can I afford low physical damage deductibles?
  • Why do I only qualify for high-risk insurance?
  • Why is insurance for a teen driver so high?
  • What is covered by UM/UIM coverage?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Auto insurance coverage breakdown

Knowing the specifics of auto insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like hospital visits, surgery, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, backing into a parked car, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Liability auto insurance – Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, repair bills for other people’s vehicles and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists 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.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hail damage, fire damage, damage from getting keyed and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Make a quick buck

Affordable 2014 Mercedes-Benz E-Class insurance is attainable on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance coverage companies do not offer you the ability to get quotes online and these small, regional companies work with independent agents.

When buying insurance coverage, do not reduce needed coverages to save money. There are too many instances where an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy the best coverage you can find at a price you can afford.

Much more information about insurance coverage can be read at these links: