1999 Mercedes-Benz E-Class Insurance Cost

Trying to find the cheapest insurance coverage rates for your Mercedes-Benz E-Class? Tired of robbing Peter to pay Paul to insure your Mercedes-Benz every month? Your situation is no different than many other consumers. Having so many insurance companies to choose from, it’s difficult to pick the lowest cost provider.

Consumers need to compare prices at least once a year because rates go up and down regularly. Just because you found the lowest price on E-Class coverage last year other companies may now be cheaper. So ignore everything you know about insurance coverage because you’re going to learn the best methods to properly buy coverages and cut your premium.

Discounts are available to cut your rates

Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Some discounts apply automatically when you purchase, but some may not be applied and must be asked for in order for you to get them. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Drive Safe and Save – Insureds without accidents can get discounts for up to 45% lower rates on E-Class coverage than their less cautious counterparts.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Bundle and Save – If you have multiple policies with one insurance company you may earn at least 10% off all policies.
  • Resident Student – Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Discount for Swiching Early – A few companies offer discounts for signing up before your current expiration date. The savings is around 10%.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on E-Class coverage depending on your company.
  • Homeowners Pay Less – Simply owning a home may trigger a insurance coverage policy discount because of the fact that having a home shows financial diligence.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous. But any discount will reduce your overall premium however.

To see a list of insurers offering insurance coverage discounts, follow this link.

Finding Auto Insurance Deals

There are a lot of ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You could waste time talking to insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Most car insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and each participating company returns a rated price. This prevents consumers from doing quote requests for each company.

To compare 1999 Mercedes-Benz E-Class rates using this form now click here (opens in new window).

The only drawback to using this type of system is you are unable to specify which companies you want pricing from. If you would rather choose specific insurance companies to receive pricing from, we put together a list of auto insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but ensure you’re using apples-to-apples deductibles and coverage limits for every quote you compare. If you are comparing different deductibles it will be next to impossible to truly determine the lowest rate.

Everyone needs different coverages

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine if you might need an agent’s assistance.

  • Do all my vehicles need collision coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Where can I get insurance after a DUI in my state?
  • How can I get my company to pay me more for my totalled car?
  • How can I get high-risk coverage after a DUI?
  • Why am I required to buy liability insurance?
  • Do I need special endorsements for business use of my vehicle?
  • Can I afford low physical damage deductibles?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Coverages available on your insurance policy

Learning about specific coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average insurance policy.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like sideswiping another vehicle, rolling your car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these coverages are similar to your liability insurance amounts.

Medical expense coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like pain medications, surgery and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability insurance

This coverage protects you from damage that occurs to a person or their property that is your fault. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like structural damage, attorney fees, loss of income, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive protection

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding and fire damage. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

And the best car insurance company is…

Low-cost 1999 Mercedes-Benz E-Class insurance is possible from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

We just presented some good ideas how you can lower your insurance rates. The key concept to understand is the more companies you get rates for, the better your comparison will be. You may even find the best price on insurance is with an unexpected company. They may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

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