View 2002 Mercedes-Benz E-Class Insurance Quotes

Trying to find better auto insurance rates for your Mercedes-Benz E-Class? Paying for high-priced Mercedes-Benz E-Class insurance can drain your savings account and make it tough to pay other bills. Getting a rate comparison can save money and help to lower your monthly bill.

Insurance companies such as Geico and Progressive persitently shower you with catchy ads and consumers find it hard to ignore the promise of big savings and effectively compare rates to find the best deal.

Consumers need to take a look at other company’s rates yearly since insurance prices change frequently. Even if you think you had the best deal on E-Class coverage a few years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the right way to properly buy coverages and cut your premium.

Find discounts to get cheap insurance coverage rates

Buying insurance coverage is not cheap, but you might be missing out on some discounts that can help lower your rates. Some discounts will apply when you purchase, but a few must be requested specifically before you get the savings.

• Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and qualify for as much as a 10% discount.
• Senior Citizen Discount – If you’re over the age of 55, you can get lower premium rates on E-Class coverage.
• Government Employee Discount – Simply working for the federal government can save as much as 8% on E-Class coverage but check with your company.
• Club Memberships – Joining qualifying clubs or civic groups is a simple method to lower premiums on insurance coverage.
• Telematics Discount – Drivers who agree to allow driving data collection to track where and when they drive by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates if they have good driving habits.
• Pay Upfront and Save – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
• Safe Driver Discount – Drivers who avoid accidents can save as much as half off their rates on E-Class coverage than their less cautious counterparts.

Policy discounts save money, but most of the big mark downs will not be given the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though you would think you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may have these discounts include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

When quoting, ask every prospective company which discounts they offer. Some discounts may not be available in every state. To find insurers that offer some of these discounts, click here to view.

How your E-Class insurance prices are determined

The best way to find cheaper insurance coverage is to take a look at some of the factors that aid in calculating your policy premiums. When you understand what influences your rates, this empowers consumers to make smart changes that could result in lower insurance coverage prices. Many factors are part of the calculation when you get a price on insurance. Some are obvious like a motor vehicle report, although others are not as apparent such as your credit history or your vehicle rating.

• Having a spouse brings a discount – Being married helps lower the price on your insurance coverage bill. Having a spouse usually means you are more mature and it’s statistically proven that married drivers tend to file fewer claims.
• Certain employers pay higher prices – Occupational choices like doctors, social workers and emergency personnel tend to pay higher premiums than the average policyholder in part from stressful work requirements and incredibly demanding work hours. On the flip side, professions such as actors, athletes and the unemployed receive lower rates on E-Class coverage.
• Cheaper insurance coverage rates with safer cars – Vehicles that have high safety ratings are cheaper to insure. Vehicles engineered for safety reduce occupant injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy.
• Which gender costs less? – Over time, data shows that females take fewer risks when driving. This data doesn’t prove that females are better drivers. Both sexes cause fender benders at about the same rate, but males tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations such as reckless driving. Male teenagers cause the most accidents and thus pay the highest rates.
• Poor driving means higher premiums – Your driving citation history has a huge affect on how much you pay. Careful drivers get better prices compared to bad drivers. Having a single speeding ticket can increase rates to the point where it’s not affordable. Drivers who have gotten careless violations such as DUI or willful reckless driving may find that they have to to maintain a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions could help you determine if your situation could use an agent’s help.

• What is roadside assistance coverage?
• How do I buy GAP insurance?
• Should I get collision insurance on every vehicle?
• Am I covered when driving in Canada or Mexico?
• When should I buy a commercial auto policy?
• Is my Mercedes-Benz E-Class covered if I use it for business?
• When should my teen driver be added to my policy?
• Do I have coverage when making deliveries for my home business?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Do insurance coverage companies bend the truth?

Insurance coverage companies such as Allstate, Geico and Progressive endlessly run ads on television and other media. All the companies advertise claims of big savings just by moving your insurance coverage policy to them. That’s great but how can every company charge you less for car insurance? Just pay attention to how they say it.

Different companies have specific characteristics for the type of driver that will most likely be profitable. A good example of a driver they prefer might be between the ages of 30 and 50, has never had a claim, and drives a safe vehicle. Any driver that hits that “sweet spot” gets the lowest car insurance rates and is almost guaranteed to cut their rates if they switch.

Drivers who do not match those criteria will probably have to pay higher prices which usually ends up with business going elsewhere. If you listen to the ad wording, they say “drivers that switch” not “everybody who quotes” will save that much if they switch. That’s the way insurance companies can lure you into getting a quote. This emphasizes why you need to compare free car insurance quotes often. It’s just too difficult to predict which insurance coverage company will fit you best based on your risk profile.

Specific coverage details

Understanding the coverages of a insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like emergency aid, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from a tornado or hurricane, a broken windshield, hail damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for bills for rehabilitation expenses, hospital visits, ambulance fees, funeral costs and prosthetic devices. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as damaging your car on a curb, sideswiping another vehicle, crashing into a building, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Shop. Compare. Save.

When shopping online for insurance, make sure you don’t sacrifice coverage to reduce premiums. There are many occasions where an insured cut full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find for the lowest price, but do not skimp to save money.

Budget-conscious 2002 Mercedes-Benz E-Class insurance can be found from both online companies and from local agencies, so get free car insurance quotes from both of them to get a complete price analysis. There are still a few companies who do not provide internet price quotes and usually these regional carriers only sell coverage through independent insurance agents.

Additional detailed information can be read in these articles:

• Booster Seat Ratings (iihs.org)
• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Auto Crash Statistics (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)