Cheapest 2013 Mercedes-Benz E-Class Insurance Rates in 2023
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UPDATED: Apr 18, 2022
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Looking for better insurance coverage rates for your Mercedes-Benz E-Class? Shopping for affordable car insurance coverage online can be intimidating for consumers not familiar with comparing rates online. With so many insurers available, how can consumers possibly compare every one to find the best available rates?
Buying car insurance is quite easy. Just about every vehicle owner who is required by state law to have insurance should be able to lower their premiums. Nevertheless, vehicle owners must know how insurance companies compete online and take advantage of how the system works.
Insurance Coverage Prices Online
If you are buying an older car, you are most likely looking to save money on car insurance as well. According to Kelley Blue Book, the cost of a Mercedes-Benz E-Class starts at around $12,000. You don’t want to overpay for auto insurance coverage for a used car.
There are several ways of comparing rate quotes from insurance coverage companies in your area. The recommended way to find the cheapest 2013 Mercedes-Benz E-Class insurance rates is to get quotes online. It is quite easy and can be accomplished in several different ways.
One of the best ways to compare a lot of rates at once is an all-inclusive rate comparison. This method prevents you from having to do repetitive form submissions for every insurance coverage company. In just a few minutes this one form gets you price quotes from all major companies. This is by far the quickest method.
A different way to find lower rates is to take the time to go to each individual company’s website to complete a price quote. For example, let’s say you want comparison quotes from Auto-Owners, Safeco, and GMAC. To find out each rate you need to take the time to go to each site and enter your policy data, which is why most consumers use the first method.
It’s your choice how you get your quotes, but ensure you are comparing exactly the same coverages for each price quote. If you use different values for each quote you can’t possibly decipher which rate is best. Quoting even small variations in insurance coverages can mean a large discrepancy in price. Just keep in mind that comparing more companies’ prices helps you find better pricing.
Coverage Options for a Mercedes-Benz E-Class
When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a cookie-cutter policy. Everyone’s situation is unique.
These are some specific questions that could help you determine if you will benefit from professional help.
- Do I have coverage when making deliveries for my home business?
- Does insurance cover damages from a DUI accident?
- Can I afford low physical damage deductibles?
- How high should my medical payments coverage be?
- Are all vehicle passengers covered by medical payments coverage?
- How do I buy GAP insurance?
- Do all my vehicles need collision coverage?
- How do I file an SR-22 for a DUI in my state?
If you don’t know the answers to these questions, you might consider talking to a licensed agent.
Calculating Mercedes-Benz E-Class Insurance Rates
Smart consumers have a good feel for some of the elements that go into determining the rates you pay for car insurance. Understanding what determines base rates enables informed choices that may reward you with better car insurance rates.
- Never let your coverage lapse — Letting your insurance expire is a fast way to trigger a rate increase. Not only will rates go up, but being ticketed for driving with no insurance will get you a revoked license or a big fine.
- With age comes lower rates — Older insureds are more cautious drivers, tend to file fewer claims, and receive fewer citations. Teenage drivers are known to be careless and easily distracted when behind the wheel therefore car insurance rates are much higher.
- Sex matters — Statistics show women tend to be lower-risk drivers than men. However, don’t assume that men are worse drivers. Women and men are in accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also receive more costly citations such as reckless driving.
- Don’t skimp on liability — Liability insurance is the coverage that protects you when a court rules you are at fault for damages from an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to physical damage coverage, so do not cut corners here.
- Pleasure use or commuting — The higher the mileage driven each year the higher your rates will be. The majority of insurers charge to insure your cars determined by how the vehicle is used. Cars and trucks that are left in the garage get more affordable rates than vehicles that are driven to work every day. An improperly rated E-Class may be costing you. Verify your car insurance declarations sheet shows the correct usage for each vehicle.
Car insurance coverages for a Mercedes-Benz E-Class
Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Insurance for medical payments — Medical payments and Personal Injury Protection insurance pay for expenses such as X-ray expenses, prosthetic devices, dental work, and EMT expenses. They can be used to fill the gap in your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible
Comprehensive coverage (or Other than Collision) — Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things like hail damage, a broken windshield, and damage from flooding. The highest amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision coverage — Collision coverage pays for damage to your E-Class from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things such as colliding with another moving vehicle, scraping a guard rail, backing into a parked car, rolling your car, and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
Uninsured motorist or underinsured motorist insurance — Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mercedes-Benz E-Class.
Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is an important protection for you and your family.
Auto liability insurance — This coverage provides protection from injuries or damage you cause to people or other property in an accident. This insurance protects YOU from legal claims by others and doesn’t cover your own vehicle damage or injuries.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. As an example, you may have values of 25/50/25 which means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage pays for claims such as attorney fees, funeral expenses, and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.
Mercedes-Benz E-Class Auto Insurance Savings Options
In this article, we presented quite a bit of information on how to save on 2013 Mercedes-Benz E-Class insurance. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the best savings with some of the smallest insurance companies.
As you prepare to switch companies, it’s very important that you do not buy poor coverage just to save money. In too many instances, an insured cut liability limits or collision coverage only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to find the best coverage for the lowest price, not the least amount of coverage.
Compare Insurance Companies to Save Money
Drivers who switch companies do it for any number of reasons including policy cancellation, an unsatisfactory settlement offer, being labeled a high-risk driver, and unfair underwriting practices. Regardless of your reason for switching companies, switching companies can be pretty painless.
Progressive, GEICO, Allstate, and State Farm constantly bombard you with ads on television and other media. All the companies have a common claim that you’ll save big if you switch to them. But how can every company make the same claim? It’s all in the numbers.
Different companies have a preferred profile for the driver that earns them a profit. A good example of a preferred risk might be a driver over the age of 50 who insures multiple vehicles and has a high credit rating. A prospective customer who meets those qualifications is entitled to the best price and therefore will save when switching.
Drivers who fall outside the “perfect” profile will have to pay higher prices which usually ends up with the customer not buying. The ads say “customers that switch” but not “drivers who get quotes” save that much. That’s the way insurance companies can confidently claim big savings. Because of the profiling, it is so important to get as many quotes as possible. It’s impossible to know which insurance companies will give you the biggest savings on Mercedes-Benz E-Class insurance.
Mercedes-Benz E-Class Auto Insurance Discounts
Companies offering auto insurance do not advertise all their discounts in an easy-to-find place, so the following is a list of some of the more common and the more hidden savings tricks you should be using.
- Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- No Claims – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
- Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
- Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
- Good Students Pay Less – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.
As a disclaimer on discounts, most credits do not apply the whole policy. Most only apply to individual premiums such as medical payments or collision. Just because it seems like all the discounts add up to a free policy, it doesn’t quite work that way.
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