Cheapest 2009 Mercedes-Benz E-Class Insurance Rates in 2023
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UPDATED: May 12, 2022
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Trying to find the cheapest car insurance rates for your Mercedes-Benz E-Class? Have you had enough of being strong-armed to pay your car insurance bill each month? You’re in the same situation as most other car owners. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate all claim big savings with fancy advertisements and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.
These discounts can slash insurance coverage rates
Auto insurance companies don’t list all available discounts in an easy-to-find place, so we break down some of the best known and the harder-to-find discounts you could be receiving. If they aren’t giving you every credit available, you are throwing money away.
- Accident Waiver – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
- Passive Restraints – Vehicles equipped with air bags can get savings of up to 25% or more.
- Good Student – A discount for being a good student can earn a discount of 20% or more. The good student discount can last up to age 25.
- Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for E-Class coverage than drivers with accident claims.
- Club Memberships – Participating in certain professional organizations could qualify you for a break on insurance coverage for E-Class coverage.
- Service Members Pay Less – Being on active duty in the military can result in better rates.
- Senior Citizens – Older drivers may qualify for a discount up to 10% for E-Class coverage.
- Homeowners Pay Less – Simply owning a home can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.
It’s important to note that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.
To see a list of providers with discount insurance coverage rates, click this link.
Mercedes-Benz E-Class rate determination is complex
Consumers need to have an understanding of some of the elements that play a part in calculating your insurance coverage rates. Understanding what impacts premium levels enables informed choices that can help you get much lower annual insurance costs.
Shown below are some of the factors insurance coverage companies consider when setting your rates.
- Higher safety ratings means cheaper insurance – Vehicles with good safety scores get lower rates. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts and thus lower rates. If your Mercedes-Benz E-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
- More than one policy can earn a discount – Many insurance companies will give a discount to policyholders who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount it’s in your best interest to comparison shop to ensure the best deal.
- Pay less if you’re married – Having a wife or husband can get you a discount on your policy. It means you’re more mature and responsible and it’s proven that married drivers get in fewer accidents.
- Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and accountants have higher rates than average in part from high stress and lengthy work days. On the flip side, professions such as actors, athletes and performers get better rates for E-Class coverage.
- High numbers of claims are not good – If you tend to file frequent claims, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies give better rates to people who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
- What are your deductibles? – Deductibles for physical damage represent how much money you are required to spend out-of-pocket before a claim is paid by your company. Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of covered claims would be colliding with a building, vandalism, or theft. The more money you’re willing to pay, the bigger discount you will receive for E-Class coverage.
- How your age affects price – Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel. Youthful drivers have a tendency to be less responsible in a vehicle therefore insurance coverage rates are much higher.
When might I need the advice of an agent?
When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions might point out whether or not you would benefit from an agent’s advice.
- I have a DUI can I still get coverage?
- Does liability extend to a camper or trailer?
- How can I force my company to pay a claim?
- Am I covered if I break a side mirror?
- How much liability do I need to cover my assets?
- When would I need rental car insurance?
- Do I pay less for low miles?
- Do I need medical payments coverage since I have good health insurance?
- Can my teen driver be rated on a liability-only vehicle?
If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.
Is there deception in advertising?
Drivers can’t ignore all the ads for cheaper car insurance from the likes of Progressive, GEICO, Allstate and State Farm. All the companies make the same claim about savings if you switch your coverage to them.
How can each company say the same thing?
All the different companies can use profiling for the type of driver they prefer to insure. For example, a profitable customer might be profiled as between 25 and 40, owns a home, and chooses high deductibles. Any driver who meets those qualifications will get the preferred rates and therefore will save when they switch companies.
Consumers who don’t meet the “perfect” profile will be charged more money which usually ends up with business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save that much. That is how companies can truthfully make those claims. That is why drivers should get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on Mercedes-Benz E-Class insurance.
Auto insurance coverage considerations
Knowing the specifics of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.
Medical costs insurance
Coverage for medical payments and/or PIP pay for immediate expenses like hospital visits, dental work, EMT expenses, ambulance fees and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Collision coverage protection
This coverage covers damage to your E-Class resulting from a collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims like sideswiping another vehicle, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like a broken windshield, falling objects, hail damage, theft and hitting a deer. The highest amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Coverage for liability
Liability coverage can cover damage that occurs to other’s property or people that is your fault. It protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.
Liability coverage pays for things like medical expenses, repair costs for stationary objects, loss of income and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your 2009 Mercedes-Benz E-Class.
Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.
Quote more, save more
We’ve covered quite a bit of information on how to compare 2009 Mercedes-Benz E-Class insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of reducing your rate. Drivers may discover the most savings is with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm, GEICO and Nationwide.
Cheaper insurance can be purchased online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and many times these small insurance companies only sell through independent insurance agents.
More tips and info about car insurance is located by following these links:
- All About Airbag Safety (State Farm)
- What to do at the Scene of an Accident (Insurance Information Insitute)
- Safe Vehicles for Teens (iihs.org)
- How to Avoid Buying a Flooded Car (Insurance Information Insitute)
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