How Much Does 2016 Mercedes-Benz E-Class Insurance Cost?

Sick and tired of not being able to afford to insure your Mercedes-Benz every month? Your situation is no different than the majority of other car owners. Because there are so many options, it’s nearly impossible to pick the right car insurance company.

Which Auto Insurance is Cheapest?

Effectively comparing auto insurance prices can be a lot of work if you don’t utilize the easiest way. You could spend your day talking to insurance agencies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Most of the best insurance companies take part in a program that allows shoppers to only type in their quote data once, and at least one company returns a rated price based on that information. This system prevents you from having to do quote requests to each company. To compare 2016 Mercedes-Benz E-Class rates using this form now click to open in new window.

One minor caviat to using this type of system is you are unable to specify the insurers you want to price. If you wish to select from a list of companies for rate comparison, we put together a list of auto insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing exactly the same coverages for each price quote. If you have different limits and deductibles on each one you can’t possibly find the best deal for your Mercedes-Benz E-Class.

The auto insurance bait and switch

Consumers can’t get away from ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. They all make an identical promise that you’ll save big if you switch your policy.

But how can every company claim to save you money?

Insurance companies can use profiling for the type of driver that makes them money. For instance, a profitable customer could be over the age of 50, is a homeowner, and drives less than 10,000 miles a year. A customer who matches those parameters is entitled to the best price and most likely will save a lot of money.

Consumers who fall outside these standards will have to pay a higher premium which usually ends up with business going elsewhere. The ads say “people who switch” not “people who quote” save money. That is how insurance companies can state the savings.

Because of the profiling, drivers must get a wide range of price quotes. It’s not possible to predict which company will fit your personal profile best.

Don’t miss these discounts

The price of auto insurance can be rather high, but there are discounts available that can drop the cost substantially. Larger premium reductions will be automatically applied when you quote, but some may not be applied and must be asked for prior to getting the savings. If you aren’t receiving every discount you qualify for, you are throwing money away.

  • Government Employees – Active or retired federal employment may qualify you for a discount for E-Class insurance with certain companies.
  • Paperwork-free – A few companies may give you up to $50 simply for signing on their website.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts up to 30%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for E-Class insurance than their less cautious counterparts.

Keep in mind that some credits don’t apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will cut the amount you have to pay.

A partial list of companies that possibly offer these benefits are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

When might I need help?

When choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions might point out if your situation would benefit from professional advice.

  • Is my nanny covered when driving my vehicle?
  • When would I need additional glass coverage?
  • Is a blown tire covered by insurance?
  • Is my Mercedes-Benz E-Class covered if I use it for business?
  • Why do I need rental car insurance?
  • Does insurance cover tools stolen from my truck?
  • Should I have combined single limit or split liability limits?
  • Exactly who is provided coverage by my policy?
  • Where can I find DUI or SR-22 insurance?
  • Is there coverage for injuries to my pets?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area. It’s fast, free and can help protect your family.

Car insurance coverage options for a Mercedes-Benz E-Class

Understanding the coverages of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most car insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz E-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Liability auto insurance – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. This coverage protects you against other people’s claims. 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 limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like repair costs for stationary objects, medical services and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for expenses for X-ray expenses, chiropractic care, doctor visits and EMT expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage – This covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from getting keyed, a broken windshield, hail damage and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This coverage pays for damage to your E-Class resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like backing into a parked car, colliding with a tree, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Saving money makes a lot of cents

When shopping online for car insurance, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the best price while still protecting your assets.

We covered many tips how you can shop for 2016 Mercedes-Benz E-Class insurance online. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies. They often have lower prices on specific markets compared to the large companies like State Farm or Progressive.

Cheaper insurance can be bought on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Additional information can be found at the links below