2013 Mercedes-Benz E-Class Insurance Rates
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UPDATED: Nov 23, 2017
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Average insurance rates for a 2013 Mercedes-Benz E300 are $1,360 a year with full coverage. Comprehensive insurance costs around $308 a year, collision costs $526, and liability coverage costs around $390. Buying a liability-only policy costs as low as $438 a year, with high-risk insurance costing $2,940 or more. Teen drivers receive the highest rates at $5,006 a year or more.
Annual premium for full coverage: $1,360
Rate estimates for 2013 Mercedes-Benz E300 Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 Mercedes-Benz E300 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For the average driver, prices range go from as low as $438 for a discount liability-only rate to a high of $2,940 for a driver that may need high-risk insurance.
These differences demonstrate why it is important for drivers to compare prices for a specific zip code and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 Mercedes-Benz E300 Insurance
Looking for better insurance coverage rates for your Mercedes-Benz E-Class? Shopping for affordable insurance coverage over the internet 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
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 click here to open form in new window. 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 website to complete a price quote. For examples sake, 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.
To view a list of companies in your area, click here.
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 company’s prices helps you find better pricing.
Discounts are great for lower rates
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.
For a list of insurers offering car insurance discounts, click here to view.
You may need specialized coverage
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 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. If you want to speak to an agent in your area, simply complete this short form.
Parts of the Mercedes-Benz E-Class rate equation
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 less risk to insure 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.
Save 15 percent in 15 minutes? Is it for real?
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 over the age of 50, insures multiple vehicles, and has a high credit rating. A propective insured 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.
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 from 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 – 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 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 that 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.
In any little way, save everyday
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 most savings is 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.
Insureds 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.
Additional insurance coverage information is located at these links:
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Booster Seat Ratings (iihs.org)
- Five Mistakes to Avoid (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
- Protect Yourself Against Auto Theft (Insurance Information Insitute)
- Tread Depth and Tire Safety (State Farm)
Rates by U.S. City
|New York City, NY||$2,148|
|Los Angeles, CA||$2,325|
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$101|
|5-yr Claim Free||$89|
|Paid in Full/EFT||$63|
Discounts are estimated and may not be available from every company or in every state.