2014 Mercedes-Benz E-Class Insurance Cost – 9 Ideas for Cheapest Prices
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UPDATED: Jun 27, 2022
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Purchasing affordable insurance coverage on the internet can seem to be impossible for consumers new to buying insurance on the web. Because there are so many insurers available, how can drivers possibly compare them all to find the best available rates?
It’s a great practice to price shop coverage occasionally because prices change frequently. Even if you think you had the best rates for E-Class insurance last year other companies may now be cheaper. You can find a lot of wrong information about insurance coverage online but by reading this article, you’re going to learn some great ways to find affordable insurance coverage.
Free Auto Insurance Quotes
The are a couple different ways of comparing rate quotes from different insurance companies. The recommended way to find the cheapest 2014 Mercedes-Benz E-Class insurance rates involves getting comparison quotes online. It is quite easy and can be accomplished using a couple different methods.
- One of the best ways to find low rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing boring form submissions for each company you want a rate for. Filling out one form gets you coverage quotes from many national carriers. It’s definitely the quickest method.
- A more time consuming way to analyze rates is to take the time to go to the website for each individual company to complete their respective quote request forms. For instance, let’s assume you want to compare rates from Farmers, 21st Century and GEICO. To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
It doesn’t matter which method you choose, just be sure to compare the exact same coverage limits on every quote. If you compare mixed coverages then you won’t be able to truly determine the lowest rate. Having just a slight variation in insurance coverages could mean much higher rates. Keep in mind that getting more free quotes will increase your chances of finding lower pricing.
Car insurance ads bend the truth
Car insurance providers like Progressive, GEICO, Allstate and State Farm continually stream ads on television and other media. They all say the same thing that you can save after switching to their company. How does each company make the same claim? It’s all in the numbers.
All companies can use profiling for the type of customer that is profitable for them. An example of a preferred risk could possibly be between the ages of 40 and 55, a clean driving record, and has great credit. A customer that hits that “sweet spot” will get very good rates and most likely will save quite a bit of money when switching.
Potential customers who don’t qualify for this ideal profile will be charged higher premiums and this can result in business going elsewhere. The ads state “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently advertise the way they do. That is why drivers should get as many quotes as possible. It’s impossible to know which insurance companies will provide you with the cheapest Mercedes-Benz E-Class insurance rates.
Pay less for Mercedes-Benz E-Class insurance
Car insurance companies don’t necessarily list every discount very well, so here is a list some of the more common and the more hidden insurance coverage savings.
- Multi-policy Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
- Sign Early and Save – Some companies give discounts for buying a policy prior to your current policy expiration. It can save you around 10%.
- New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
- Pay Now and Pay Less – If you pay your bill all at once instead of making monthly payments you could save 5% or more.
- Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for E-Class insurance depending on your company.
- Paperless Signup – A few companies give back up to $50 for buying a policy and signing up over the internet.
- Accident Free – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
- Accident Forgiveness – A handful of insurance companies will forgive one accident before your rates go up if you are claim-free for a certain period of time.
- Use Seat Belts – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like having all the discounts means you get insurance for free, it just doesn’t work that way.
To see a list of companies with the best insurance coverage discounts, click here to view.
Tailor your coverage to you
When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.
Here are some questions about coverages that can aid in determining whether you would benefit from an agent’s advice.
- Should I buy more coverage than the required minimum liability coverage?
- Is extra glass coverage worth it?
- Does coverage extend to a rental car in a foreign country?
- Can I still get insurance after a DUI?
- I have health insurance so do I need medical payments coverage?
- How do I insure my teen driver?
- Is my nanny covered when driving my vehicle?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Coverages available on your policy
Learning about specific coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Uninsured or underinsured coverage
This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2014 Mercedes-Benz E-Class.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.
This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for things like colliding with a tree, scraping a guard rail, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, hitting a bird, hail damage and fire damage. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Coverage for liability
This can cover damage or injury you incur to other’s property or people by causing an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage pays for claims like attorney fees, court costs, legal defense fees and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.
Medical expense coverage
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, prosthetic devices, hospital visits, funeral costs and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage
Smart consumers save more
As you prepare to switch companies, never buy poor coverage just to save money. In too many instances, drivers have reduced collision coverage only to discover later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at a price you can afford while not skimping on critical coverages.
The cheapest 2014 Mercedes-Benz E-Class insurance is definitely available from both online companies and also from your neighborhood agents, so compare prices from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.
We just showed you a lot of techniques to lower your insurance rates. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the best price on insurance is with the least-expected company.
More tips and info about insurance can be read by following these links:
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