Compare 2007 Mercedes-Benz E-Class Insurance Rates

Looking for cheaper car insurance rates for your Mercedes-Benz E-Class? Nobody looks forward to buying car insurance, especially when the cost is way too high. Popular companies such as Progressive, Geico and Farmers Insurance increase brand awareness with fancy advertisements and consumers find it hard to see through the deception and do the work needed to find the best deal.

You need to compare rates at least once a year because insurance rates are constantly changing. Even if you think you had the lowest rates on E-Class coverage a couple years back you may be paying too much now. Starting now, ignore everything you know about car insurance because you’re about to learn the things you must know in order to save money, get proper coverage and the best rates.

The quickest method we recommend to get policy rate comparisons utilizes the fact most larger insurance companies allow for online access to compare their rates. All consumers are required to do is give the companies some data such as if a SR-22 is required, if you lease or own, deductibles desired, and whether you are married. The rating information is then submitted to many highly-rated insurers and they respond with quotes within a short period of time.

Ads can be misleading

Drivers can’t get away from ads for the lowest price auto insurance from the likes of Progressive, Geico, Allstate and State Farm. All the ads have a common claim about savings if you change your coverage to them.

How can each company say the same thing?

Different companies are able to cherry pick for the type of driver they prefer to insure. For instance, a desirable insured might be profiled as between 30 and 50, has no driving citations, and chooses high deductibles. A driver who fits that profile is entitled to the best price and therefore will save when they switch companies.

Potential insureds who don’t meet the “perfect” profile must pay higher prices and ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everybody who quotes” save that kind of money. That’s why companies can truthfully advertise the savings.

This illustrates why it is so important to get quotes from several different companies. It’s impossible to know the company that will have the lowest Mercedes-Benz E-Class insurance rates.

Pay less for 2007 Mercedes-Benz E-Class insurance

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Certain discounts will be applied when you complete an application, but lesser-known reductions have to be inquired about before being credited. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Accident Forgiveness – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Senior Citizens – Mature drivers may receive reduced rates on E-Class coverage.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.

As a disclaimer on discounts, most of the big mark downs will not be given to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, you’re out of luck. But all discounts will cut the amount you have to pay.

To see a list of providers with discount car insurance rates, click this link.

Tailor your coverage to you

When it comes to buying the best insurance coverage coverage, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I buy more coverage than the required minimum liability coverage?
  • What is roadside assistance coverage?
  • Am I covered if I crash into my own garage door?
  • Is my Mercedes-Benz E-Class covered if I use it for business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Where can I find high-risk insurance?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Insurance coverages 101

Learning about specific coverages of insurance can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like EMT expenses, nursing services, doctor visits and X-ray expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values 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 $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical services, bail bonds, structural damage, attorney fees and emergency aid. How much coverage you buy is your choice, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your 2007 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 important protection for you and your family. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like fire damage, hitting a bird and rock chips in glass. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – This will pay to fix damage to your E-Class resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, backing into a parked car, colliding with a tree, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Shop around and save

We just covered a lot of tips how to shop for 2007 Mercedes-Benz E-Class insurance online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced auto insurance comes from some of the lesser-known companies. Some small companies often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

The cheapest insurance can be found on the web and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. Some insurance providers may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

More tips and info about auto insurance is located by following these links: