Save on 2001 Mercedes-Benz E-Class Insurance Quotes

Looking for lower auto insurance rates for your Mercedes-Benz E-Class? Did you make the mistake of buying an overpriced auto insurance policy? Don’t sweat it because many drivers feel the same as you.

You have multiple auto insurance companies to choose from, and although it’s nice to have a choice, more choices can make it harder to find the lowest cost provider.

You should make it a habit to price shop coverage occasionally because auto insurance rates tend to go up over time. Just because you found the lowest premium rates for E-Class insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the best ways to get good coverage at a lower rate.

Shopping for affordable insurance coverage is not that difficult. Basically, anyone who carries insurance will be able to reduce their rates. Although consumers benefit from understanding the way companies market on the web and take advantage of how the system works.

Which insurance is cheapest?

When comparison shopping, there are several ways to obtain and compare prices from local insurance companies. The quickest method to do a complete rate comparison is simply to get online rate quotes. It is quite easy and can be accomplished in a couple minutes as outlined below.

• One of the fastest ways to get quotes is a comparison rater form click to view form in new window. This style of form keeps you from doing a different quote for each company you want a rate for. In just a few minutes this one form gets rate comparisons direct from many companies.
• A more time consuming way to analyze rates consists of going to the website for each individual company and request a quote. For sake of this example, let’s say you want comparison quotes from Progressive, Liberty Mutual and Geico. To do that, you would have to spend time going to each site individually to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

It doesn’t matter which method you choose, just be sure you’re using apples-to-apples coverage information for each quote you get. If you use different deductibles you can’t possibly make an equal comparison. Slightly different coverage limits could mean much higher rates. Keep in mind that comparing a large number of companies will increase your chances of finding a better price. Some smaller insurers to not give online price quotes, so it’s important to compare quotes from those companies as well.

Auto insurance policy discounts you can’t miss

Companies that sell car insurance don’t always publicize the entire discount list in a way that’s easy to find, so the list below contains some of the best known and the harder-to-find credits that may apply to you.

• Low Mileage Discounts – Low mileage vehicles can qualify you for cheaper rates.
• Multiple Vehicles – Drivers who insure primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
• Anti-theft System – Cars that have factory anti-theft systems have a lower chance of being stolen and therefore earn up to a 10% discount.
• Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.
• Anti-lock Brake Discount – Cars with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
• Early Signing – Some insurance companies give discounts for renewing your policy prior to your current policy expiration. This can save 10% or more.

Don’t be shocked that most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

A few companies that have these discounts are:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

Before you buy a policy, ask each company or agent the best way to save money. Some of the discounts discussed earlier might not be offered on policies in your state. To locate companies that offer the discounts shown above, click this link.

Insurance agents can help

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions could help you determine whether you might need an agent’s assistance.

• Is my 2001 Mercedes-Benz E-Class covered for flood damage?
• Does my policy pay for OEM or aftermarket parts?
• When would I need additional glass coverage?
• Should I have combined single limit or split liability limits?
• Are rental cars covered under my policy?
• At what point should I drop full coverage?
• If my pet gets injured in an accident are they covered?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Insurance coverage considerations

Learning about specific coverages of your policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by insurance companies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your 2001 Mercedes-Benz E-Class.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

Collision insurance pays for damage to your E-Class caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sideswiping another vehicle, hitting a mailbox, driving through your garage door, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Med pay and PIP coverage pay for bills like EMT expenses, surgery, prosthetic devices and pain medications. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Liability auto insurance

Liability coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as medical expenses, medical services and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, theft, hail damage and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.