Cheapest 1999 Mercedes-Benz E-Class Insurance Rates in 2023
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UPDATED: Sep 2, 2022
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Are you tired of paying out the nose each month for car insurance? You are no different than many other drivers. Numerous auto insurance companies battle for your business, so it can be very hard to choose a company to discover the definitive lowest cost out there.
Cut your car insurance rates with these five discounts
Auto insurance companies don’t list every discount in an easy-to-find place, so we break down some of the best known as well as the least known discounts you could be receiving. If they aren’t giving you every credit possible, you are paying more than you should be.
- Safe Driver Discount – Insureds without accidents can pay as much as 50% less for E-Class coverage than drivers with accidents.
- Homeowners Savings – Owning a house can save you money because maintaining a house shows financial diligence.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
- Anti-lock Brakes – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
- Multiple Vehicles – Buying coverage for multiple vehicles on one policy qualifies for this discount.
Consumers should know that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, companies wouldn’t make money that way.
Car insurance companies that may offer these discounts may include but are not limited to:
It’s a good idea to ask each company what discounts are available to you. Savings might not apply everywhere.
You are unique and your auto insurance should be too
When buying adequate coverage, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For instance, these questions may help highlight whether or not you will benefit from professional help.
- Do I really need UM/UIM coverage?
- Am I missing any policy discounts?
- Do I need an umbrella policy?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Should I have a commercial auto policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.
Specific coverages for a Mercedes-Benz E-Class
Having a good grasp of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverage types available from insurance companies.
Coverage for medical expenses
Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for dental work, hospital visits, doctor visits, X-ray expenses and surgery. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
This covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as damage from a tornado or hurricane, a broken windshield, theft, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Auto collision coverage
Collision insurance covers damage to your E-Class resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.
Coverage for liability
This can cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability can pay for things like repair bills for other people’s vehicles, court costs and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist 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 injuries to you and your family and damage to your Mercedes-Benz E-Class.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Pennies from heaven
You just learned some good ideas how to lower your 1999 Mercedes-Benz E-Class insurance rates. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.
When buying insurance coverage, do not skimp on coverage in order to save money. In many cases, an accident victim reduced collision coverage and learned later they didn’t have enough coverage. Your strategy should be to find the BEST coverage at a price you can afford, not the least amount of coverage.
To read more, feel free to browse these articles:
- Your Car has been Stolen: Now What? (Allstate)
- Teen Driver Statistics (Insurance Information Insitute)
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- Alcohol Impaired Driving FAQ (iihs.org)
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