Cheapest 2006 Mercedes-Benz E-Class Insurance Rates in 2023
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UPDATED: May 12, 2022
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Looking for better auto insurance rates for your Mercedes-Benz E-Class? Shopping for the cheapest auto insurance online can seem to be problematic for people who are new to buying insurance on the web. Because there are so many companies in the marketplace, how can drivers effectively compare the different rates to find the best price?
It’s a good idea to check auto insurance prices periodically since rates are constantly changing. Just because you found the best price on E-Class insurance a year ago there may be better deals available now. So just forget all the misinformation about auto insurance because I’m going to teach you the proper way to lower your annual insurance bill.
If you are paying for car insurance now, you should be able to cut costs considerably using this information. Buying affordable insurance coverage can be fairly easy. But drivers can benefit from knowing the way insurance companies compete online because it can help you find the best coverage.
Comprehensive Insurance Coverage Comparison Quotes
Comparing insurance coverage rates is a ton of work if you don’t know the most efficient way. You can spend countless hours driving to local insurance agents in your area, or you can stay home and use the internet to quickly compare rates.
All the larger companies belong to an insurance system where insurance shoppers submit their information once, and each participating company then returns a price quote. This system prevents you from having to do quotation requests to every company.
To submit your quote information now, click here to start a free quote.
The only downside to using this type of system is that you can’t choose which companies to get pricing from. So if you want to choose specific providers to compare, we put together a list of the cheapest insurance coverage companies in your area. View list of insurance companies.
It’s up to you which method you use, but ensure you are comparing apples-to-apples coverages and limits on every quote you get. If you use mixed coverages it’s not possible to make a fair comparison for your Mercedes-Benz E-Class. Just a small difference in insurance coverages can make a big difference in price. Keep in mind that more quotes helps locate lower pricing.
Mercedes-Benz E-Class rates are complex
Smart consumers have a good feel for some of the elements that go into determining your car insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in big savings.
- Your stress level may be raising your rates – Occupations like lawyers, social workers and stock brokers have the highest rates due to high stress and lots of time spent at work. On the other hand, jobs such as farmers, students and retirees get better rates on E-Class insurance.
- Better credit means lower rates – Credit history is a huge factor in determining what you pay for car insurance. Therefore, if your credit rating is not that good, you could potentially save money when insuring your 2006 Mercedes-Benz E-Class by spending a little time repairing your credit. People with high credit ratings tend to be more responsible than those with lower credit scores.
- Too many car insurance claims drive up costs – Insurance companies provide better rates to people who file claims infrequently. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is designed for the large, substantial claims.
- Never let your coverage lapse – Letting your insurance expire will be a fast way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance might get you a steep fine or even jail time.
- Extra coverages can waste money – There are quite a few extra bells and whistles that you can buy when buying car insurance. Insurance for rental car reimbursement, towing coverage and motor club memberships are some examples. These coverages may sound good when talking to your agent, but if you don’t need them eliminate the coverages to reduce your premium.
- More people means more accidents – Living in less populated areas can be a good thing when buying car insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Urban drivers tend to have much more traffic to deal with and longer commutes to work. Longer commute distances can result in more accidents.
Discounts are available to cut your rates
The cost of insuring your cars can be expensive, but companies offer discounts that you may not know about. Certain discounts will be applied at the time of quoting, but some must be asked about prior to receiving the credit.
- Life Insurance – Larger companies have a break if you buy life insurance.
- Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and qualify for as much as a 10% discount.
- Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
- Distant Student – Children who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Multi-policy Discount – If you insure your home and vehicles with the same insurance company you may earn 10% to 20% off each policy.
- Good Students Pay Less – This discount can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
It’s important to understand that most credits do not apply the whole policy. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way. But all discounts will reduce the amount you have to pay.
For a list of insurance companies with the best insurance coverage discounts, follow this link.
Everyone needs different coverages
When it comes to choosing coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different.
For example, these questions can help discover if you could use an agent’s help.
- How much liability do I need to cover my assets?
- Is borrowed equipment or tools covered if stolen or damaged?
- How much underlying liability do I need for an umbrella policy?
- I have good health insurance, so how much medical payments coverage do I need?
- What is roadside assistance coverage?
- Which companies will insure high-risk drivers?
- Which is better, split liability limits or combined limits?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- When does my teenage driver need to be added to my policy?
- How many claims can I have before being canceled?
If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.
Insurance coverage options for a Mercedes-Benz E-Class
Having a good grasp of insurance can help you determine which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement.
Coverage for medical payments
Coverage for medical payments and/or PIP kick in for bills like X-ray expenses, funeral costs and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage
This coverage pays for 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 can pay for things like a tree branch falling on your vehicle, hail damage and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This coverage pays for damage to your E-Class caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.
Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.
Auto liability insurance
This protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things such as emergency aid, pain and suffering, attorney fees, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.
Uninsured and underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2006 Mercedes-Benz E-Class.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.
Save for a rainy day
We covered some good ideas how to lower your 2006 Mercedes-Benz E-Class insurance rates. It’s most important to understand that the more times you quote, the better your comparison will be. You may even discover the biggest savings come from a smaller regional carrier.
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed collision coverage and found out when filing a claim that it was a big error on their part. The proper strategy is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.
Cheaper insurance can be bought online as well as from independent agents, and you should compare price quotes from both to have the best rate selection. A few companies don’t offer online price quotes and these small, regional companies work with independent agents.
For more information, feel free to browse the resources below:
- Teen Driving Statistics (GEICO)
- Car Insurance FAQ (Trusted Choice)
- Learn About Car Insurance (GEICO)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
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