Cheapest 2015 Mercedes-Benz E-Class Insurance Rates in 2023
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UPDATED: May 12, 2022
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Trying to find cheaper car insurance rates for your Mercedes-Benz E-Class? I can’t think of a single person who likes paying for car insurance, in particular when the cost is too high. Multiple insurers compete to insure your vehicles, so it’s not easy to compare every company to discover the definitive lowest cost out there.
If you have a current insurance coverage policy or are just looking to switch companies, you can use this information to get lower rates while maintaining coverages. Finding the best rates is easy if you know what you’re doing. Drivers just need to learn the best way to compare prices over the internet.
Cut your premium with discounts
Car insurance can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be applied when you purchase, but some may not be applied and must be specially asked for before you get the savings. If they aren’t giving you every credit possible, you are throwing money away.
- Driver’s Ed – Have your child enroll in driver’s education in school.
- Resident Student – Kids in college who attend school more than 100 miles from home and do not have a car can be insured at a reduced rate.
- Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
- Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of up to 25% or more.
- Defensive Driver – Completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
- Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for E-Class coverage than less cautious drivers.
- Own a Home – Owning a home can save you money because owning a home is proof that your finances are in order.
Consumers should know that most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, car insurance companies aren’t that generous. Any amount of discount will reduce your premiums.
To see a list of providers with the best car insurance discounts, follow this link.
What is the best insurance coverage?
When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Every situation is different so this has to be addressed. These are some specific questions could help you determine if your situation might need professional guidance.
- Where can I find DUI or SR-22 insurance?
- Do I need to file an SR-22 for a DUI in my state?
- When would I need rental car insurance?
- Is upholstery damage covered by car insurance?
- Where can I get insurance after a DUI in my state?
- Do I need added coverage for expensive stereo equipment?
If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Auto insurance coverage options for a 2015 Mercedes-Benz E-Class
Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverage types found on the average auto insurance policy.
Coverage for liability
Liability insurance can cover damage or injury you incur to other people or property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.
Liability insurance covers claims like court costs, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.
Medical expense insurance
Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for funeral costs, nursing services and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Auto collision coverage
Collision coverage covers damage to your E-Class from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a building, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz E-Class.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits are set the same as your liablity limits.
Comprehensive (Other than Collision)
Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for claims like rock chips in glass, hitting a bird, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.
Make a quick buck
While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible for the lowest price while still protecting your assets.
We covered a lot of tips how to shop for 2015 Mercedes-Benz E-Class insurance online. It’s most important to understand that the more you quote, the better likelihood of reducing your rate. You may even discover the lowest premiums are with an unexpected company. Regional companies can often provide lower rates in certain areas than the large multi-state companies such as Allstate, GEICO and Progressive.
To learn more, feel free to browse the articles below:
- Your Car has been Stolen: Now What? (Allstate)
- Drunk Driving Statistics (Insurance Information Insitute)
- Vehicle Safety Ratings (iihs.org)
- Alcohol Impaired Driving FAQ (iihs.org)
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