Lower Your 2011 Mercedes-Benz E-Class 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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 9, 2021

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Are you sick and tired of paying out the nose each month for car insurance? Your situation is no different than the majority of other car owners. You have multiple car insurance companies to pick from, and although it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates.

It’s a good idea to shop coverage around before your policy renews because prices are constantly changing. Even if you got the lowest price on E-Class coverage two years ago the chances are good that you can find a lower rate today. Starting right now, forget all the misinformation about insurance coverage because I’m going to teach you the things you must know in order to reduce your cost while increasing coverage.

Comprehensive Car Insurance Comparison Quotes

Finding cheaper 2011 Mercedes-Benz E-Class car insurance prices is not a difficult process. Consumers just need to invest a few minutes to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

The easiest and least time consuming way consumers can make multiple comparisons is a comparison rater form like this one (opens in new window). This type of form keeps you from doing repetitive form submissions for each company you want a rate for. In just a few minutes this one form compares rates from multiple low-cost companies.

A harder way to analyze rates is to take the time to go to each company website to request a price quote. For sake of this example, we’ll assume you want to compare rates from USAA, State Farm and Progressive. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

It’s up to you which method you use, but be sure to compare the exact same coverage information with each company. If you are comparing different liability limits you can’t possibly make an equal comparison.

Can you really save $408 a year?

Consumers can’t get away from ads for cheaper car insurance by Allstate and Progressive. All the ads say the same thing that you’ll save big after switching to their company.

But how can every company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a preferred risk might be profiled as between the ages of 40 and 55, a clean driving record, and drives less than 7,500 miles a year. A driver who meets those qualifications receives the best rates and as a result will probably save when switching.

Potential customers who are not a match for the requirements must pay more money which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that much money. This is how companies can truthfully state the savings. This illustrates why it’s extremely important to compare many company’s rates. Because you never know which insurance company will provide you with the cheapest Mercedes-Benz E-Class insurance rates.

Factors that might impact rates for a Mercedes-Benz E-Class

Smart consumers have a good feel for some of the elements that help determine your insurance rates. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that could result in big savings.

The following are some of the items used by your company to calculate premiums.

  • High crash test scores lower rates – Vehicles with high crash test scores get lower rates. Safer cars result in less severe injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Mercedes-Benz has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • High credit ratings translate to low rates – Having a bad credit score is a large factor in determining what you pay for insurance. If your credit history is lower than you’d like, you could pay less to insure your 2011 Mercedes-Benz E-Class by improving your credit score. People with excellent credit tend to be more responsible than those with poor credit.
  • Adjust deductibles and save – Your deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, protects your car from damage. Some examples of claims that would be covered could be colliding with a building, damage from fire, and burglary. The more money the insured has to pay upfront, the lower your rates will be on E-Class coverage.
  • Rates may be higher depending on your occupation – Careers like real estate brokers, business owners and stock brokers are shown to have the highest rates because of high stress levels and long work hours. On the other hand, occupations like scientists, students and retirees pay the least on E-Class coverage.
  • Battle of the sexes – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men have accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations such as reckless driving. Young males are the most expensive to insure and are penalized with high insurance rates.
  • Marriage pays dividends – Having a spouse can get you a discount on your insurance policy. Having a spouse is viewed as being more mature it has been statistically shown that married drivers get in fewer accidents.

Policy discounts you shouldn’t miss

Auto insurance companies do not list every discount in a way that’s easy to find, so we break down both the well known as well as the least known insurance savings. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.

  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • No Claims – Claim-free drivers can save substantially as compared to drivers who are more careless.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Homeowners Savings – Owning a home can help you save on insurance because of the fact that having a home is proof that your finances are in order.

It’s important to note that most discount credits are not given to all coverage premiums. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

Car insurance companies that possibly offer these benefits include:

  • 21st Century
  • Progressive
  • State Farm
  • Nationwide
  • Esurance
  • The Hartford

Check with each company what discounts are available to you. All car insurance discounts may not apply everywhere.

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • How much liability do I need to cover my assets?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is pleasure use cheaper than using my 2011 Mercedes-Benz E-Class to commute?
  • If my 2011 Mercedes-Benz E-Class is totaled, can I afford another vehicle?
  • What is UM/UIM insurance?
  • Why am I required to buy high-risk coverage?
  • Why do I need rental car insurance?
  • Do I pay less for low miles?
  • When should my teen driver be added to my policy?
  • When can I cancel my policy?

Specific coverages for a 2011 Mercedes-Benz E-Class

Knowing the specifics of your car insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Coverage for medical payments – Med pay and PIP coverage provide coverage for immediate expenses such as nursing services, prosthetic devices, EMT expenses and doctor visits. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a bird, damage from flooding and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, rolling your car, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things such as structural damage, medical expenses and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle 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 Mercedes-Benz E-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Pennies from heaven

In this article, we covered many ways to save on 2011 Mercedes-Benz E-Class insurance. The key thing to remember is the more providers you compare, the better chance you’ll have of finding lower rates. You may be surprised to find that the lowest priced auto insurance comes from a lesser-known regional company. Regional companies often have lower prices on specific markets than the large multi-state companies such as Allstate, GEICO and Progressive.

Low-cost insurance is possible from both online companies and with local insurance agents, and you need to price shop both to have the best chance of lowering rates. Some companies do not offer online price quotes and these small, regional companies work with independent agents.

Much more information about auto insurance is located below:

  • Older Driver Statistics (Insurance Information Insitute)
  • Neck Injury FAQ (iihs.org)
  • Credit Impacts Car Insurance Rates (State Farm)
  • Comprehensive Coverage (Liberty Mutual)
  • Electronic Stability Control FAQ (iihs.org)

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