2014 Mercedes-Benz E-Class Car Insurance Rates

Looking for the cheapest insurance coverage rates for your Mercedes-Benz E-Class? Are you tired of not being able to afford each month for car insurance? You are no different than many other drivers. Drivers have multiple auto insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, so many choices can make it hard to compare rates.

Auto Insurance Comparison Rates

There are a variety of methods you can shop for 2014 Mercedes-Benz E-Class auto insurance but one way is less labor-intensive and much quicker. You can spend countless hours driving to local insurance agents in your area, or you could save time and use online quoting to get rate comparisons in just a few minutes.

The majority of car insurance companies are enrolled in a marketplace where insurance shoppers send in one quote, and each participating company provides a quote for coverage. This saves time by eliminating quote requests to each individual auto insurance company.

To find out how much you’re overpaying now click here to start a free quote.

The one disadvantage to using this type of system is you cannot specify the providers you want to price. So if you prefer to choose from a list of companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

However you get your quotes, be sure to compare apples-to-apples quote information for each price quote. If you have higher or lower deductibles you can’t possibly decipher which rate is best.

Verify you’re getting all your discounts

Car insurance companies don’t always list every available discount in a way that’s easy to find, so we break down both well-publicized and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount available, you’re just leaving money on the table.

  • Low Mileage Discounts – Driving fewer miles can qualify you for better rates on cars that stay parked.
  • Sign Early and Save – Select companies give a discount for signing up before your current policy expires. It can save you around 10%.
  • No Claims – Drivers who don’t have accidents pay much less when compared with bad drivers.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle may qualify for this discount.
  • Clubs and Organizations – Participating in a professional or civic organization could qualify you for a break when buying insurance coverage for E-Class coverage.
  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.

Drivers should understand that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like comp or med pay. Even though it may seem like all the discounts add up to a free policy, companies don’t profit that way.

To see a list of insurance companies who offer insurance coverage discounts, click this link.

What determines your Mercedes-Benz E-Class insurance premium

Smart consumers have a good feel for some of the elements that come into play when calculating auto insurance rates. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in much lower annual insurance costs.

The list below includes some of the items companies use to determine premiums.

  • Tickets mean higher rates – Your driving citation history has a big impact on rates. Just one ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations such as DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
  • Do you have a high stress job? – Did you know your auto insurance rates can be affected by your occupation? Jobs such as doctors, social workers and financial analysts are shown to have higher average rates in part from high stress and lots of time spent at work. Conversely, professions such as farmers, engineers and performers pay the least for E-Class coverage.
  • Optional equipment can affect rates – Owning a car with a theft deterrent system can help lower your rates. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent auto theft.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and better occupant protection translates into fewer and smaller insurance claims and more competitive rates for policyholders. If your Mercedes-Benz E-Class earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.

When should I talk to an agent?

When buying the best car insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions can help discover if you would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Am I covered when driving someone else’s vehicle?
  • Should I have combined single limit or split liability limits?
  • Does liability extend to a camper or trailer?
  • Can my teen drive my company car?
  • Should I put collision coverage on all my vehicles?
  • Do I need special endorsements for business use of my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • How much can I save by bundling my policies?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.

Learn about auto insurance coverages for a 2014 Mercedes-Benz E-Class

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most auto insurance policies.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, hail damage, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as dental work, funeral costs, hospital visits and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz E-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Collision insurance

This coverage pays for damage to your E-Class resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverages

This coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, funeral expenses and bail bonds. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Make a quick buck

We just presented many ideas to compare 2014 Mercedes-Benz E-Class insurance prices online. It’s most important to understand that the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with the smaller companies. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as GEICO and State Farm.

Cost effective insurance is possible on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some companies do not offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage only to regret that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

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