2022 Mercedes-Benz E-Class Car Insurance Rates in 2024 – 7 Ways to Save

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 5, 2024

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Paying cheaper prices for car insurance might be nearly impossible for drivers who are new to online comparison shopping. Drivers have so many options available that it can easily turn into more work than you anticipated to lower your rates.

It’s important to do price comparisons on a regular basis because rates change frequently. If you had the best rate on E-Class coverage on your last policy the chances are good that you can find a lower price today. Forget all the misinformation about car insurance because it’s time to teach you the proper way to save on car insurance.

Seven discounts for cheap car insurance rates

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that many consumers don’t even know exist. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be specifically requested before you get the savings.

  • Resident Student – College-age children who live away from home at college and leave their car at home can receive lower rates.
  • Accident Free – Drivers who don’t have accidents are rewarded with significantly better rates on insurance quote as compared to bad drivers.
  • Military Rewards – Having an actively deployed family member can result in better car insurance rates.
  • Defensive Driver Discounts – Successfully completing a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Low Miles Discount – Driving fewer miles can qualify you for lower rates due to less chance of an accident.
  • Driving Data Discount – Drivers who elect to allow driving data collection to monitor when and where they use their vehicle by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they show good driving skills.
  • Discount for Multiple Policies – If you can combine your home and auto policy and insure them both with the same insurance company you could save 10% to 20% off each policy.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount should definitely cut your premiums.

To view insurers who offer car insurance discounts, enter your zip code here.

You may need specialized insurance coverage

When buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Each situation is unique.

For example, these questions may help highlight if your situation will benefit from professional help.

  • Does my insurance cover my expensive audio equipment?
  • Which is better, split liability limits or combined limits?
  • When should I not file a claim?
  • Do I have coverage when making deliveries for my home business?
  • Do I have newly-acquired coverage?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and enter your zip code.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, sideswiping another vehicle, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to bring the cost down.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for bills for things like chiropractic care, EMT expenses, funeral costs and X-ray expenses. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as theft, rock chips in glass, damage from getting keyed and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages – Liability coverage protects you from damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims like medical expenses, legal defense fees, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Be a money saver!

When you buy insurance online, don’t be tempted to buy poor coverage just to save money. In many instances, someone dropped liability coverage limits only to discover later that it was a big mistake. The ultimate goal is to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Affordable 2022 Mercedes-Benz E-Class insurance can be found on the web in addition to local insurance agencies, so you need to shop insurance with both to have the best selection. Some insurance companies may not have rate quotes online and many times these regional insurance providers only sell through independent agents.

We’ve covered a lot of information how to lower your 2022 Mercedes-Benz E-Class insurance rates. The key thing to remember is the more times you quote, the better likelihood of getting affordable insurance. You may even discover the best price on auto insurance is with an unexpected company.

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