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1999 Mercedes-Benz E55 AMG Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 23, 2017

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Searching for cheaper auto insurance rates for your Mercedes-Benz E55 AMG? Locating cheaper insurance for a new or used Mercedes-Benz E55 AMG can normally be a lot of work, but you can learn these tips to make it easier. There are more efficient ways to find auto insurance online so you’re going to learn the best way to quote coverages for a Mercedes-Benz and locate the cheapest rates from both online companies and local agents.

The quickest way to get rate comparisons is to take advantage of the fact most insurance companies pay for the opportunity to give rate comparisons. The one thing you need to do is provide details including whether you are married, how old drivers are, your credit rating estimate, and if you have an active license. That rating data is submitted instantly to many highly-rated insurers and they respond with quotes within a short period of time.

Discounts are great for lower rates

Auto insurance companies don’t always advertise every available discount very clearly, so the following is a list of some of the best known and also the lesser-known auto insurance savings. If you’re not getting every credit available, you are paying more than you should be.

  • Government Employees – Employees or retirees of the government may qualify you for a discount for E55 AMG coverage depending on your company.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.
  • Military Rewards – Being on active duty in the military can result in better rates.
  • Claim Free – Claim-free drivers pay less when compared to bad drivers.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Drive Safe and Save – Insureds without accidents can pay as much as 50% less for E55 AMG coverage than drivers with accidents.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz can earn lower rates on the low mileage vehicles.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

Insurance companies that possibly offer some of the above discounts include:

Check with each insurance company how you can save money. Discounts might not apply in your area.

Your Mercedes-Benz E55 AMG insurance rate is a complex equation

It’s important that you understand some of the elements that go into determining the price you pay for insurance coverage. Having a good understanding of what determines base rates enables informed choices that could result in much lower annual insurance costs.

  • How your age affects price – More mature drivers are more cautious drivers, file fewer claims and tend to be better behind the wheel. Young drivers are known to be careless and easily distracted when driving and because of this, their insurance coverage rates are much higher.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Careers like doctors, executives and accountants have higher rates than average in part from high stress levels and lengthy work days. On the flip side, occupations such as scientists, athletes and homemakers get better rates for E55 AMG coverage.
  • Lower rates with optional equipment – Driving a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Do you know you’re credit rating? – Having a bad credit score is a big factor in calculating your insurance coverage rates. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with lower ratings. If your credit history is low, you could pay less to insure your 1999 Mercedes-Benz E55 AMG by repairing your credit.
  • Rural vs Urban Areas – Living in less populated areas can be a good thing when buying insurance coverage. Urban drivers have much more traffic and longer commute times. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
  • Liability insurance protects assets – Liability insurance is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.

You may need specialized coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your insurance needs might need an agent’s assistance.

  • Should I have combined single limit or split liability limits?
  • When would I need rental car insurance?
  • Are rock chip repairs covered?
  • Can I rent a car in Mexico?
  • Am I covered if I wreck a rental car?
  • Is my custom paint covered by insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • When should I remove comp and collision on my 1999 Mercedes-Benz E55 AMG?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can help protect your family.

Car insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage

This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz E55 AMG.

Since a lot of drivers 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 is very important.

Auto collision coverage

Collision insurance covers damage to your E55 AMG resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as colliding with another moving vehicle, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, a tree branch falling on your vehicle, falling objects and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills such as surgery, chiropractic care, X-ray expenses, hospital visits and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage can cover damage that occurs to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability insurance covers things like emergency aid, repair costs for stationary objects, medical expenses, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Don’t throw your cash in the trash

When trying to cut insurance costs, never skimp on critical coverages to save a buck or two. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits only to discover later that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage for the lowest price, not the least amount of coverage.

In this article, we presented many tips how you can lower your 1999 Mercedes-Benz E55 AMG insurance rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the best prices are with the least-expected company.

Insureds switch companies for a number of reasons such as questionable increases in premium, delays in responding to claim requests, poor customer service and high prices. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

For more information, take a look at the articles below:

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