Ultimate Guide for Buying Car Insurance for a Mercedes-Benz 190E

Finding cheaper insurance for a Mercedes-Benz 190E could be a painful process, but you can follow a few tricks to make it easier. There is a right way and a wrong way to buy car insurance and we’ll show you the proper way to quote coverages for a new or used Mercedes-Benz and get the cheapest rates.

Smart consumers take time to compare premium rates once or twice a year because prices are constantly changing. Even if you got the lowest rate on 190E coverage at your last renewal you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because it’s time to teach you how to use the internet to find better rates and still maintain coverage.

Are you getting every discount?

Car insurance is not inexpensive, but there are discounts available that you may not know about. Many discounts should be triggered when you get a quote, but some must be asked about in order for you to get them. If you do not double check each discount available, you are not getting the best rate possible.

• Passenger Safety Discount – Factory air bags or automatic seat belts may get savings of 20 to 30 percent.
• No Accidents – Insureds with no claims or accidents can save substantially as compared to insureds who have frequent claims or accidents.
• Service Members Pay Less – Being on active deployment in the military could trigger a small discount.
• Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt could save 15% off the PIP or medical payment premium.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you on 190E coverage with certain companies.

Discounts lower rates, but most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. Even though it appears you would end up receiving a 100% discount, car insurance companies aren’t that generous.

A few of the larger companies and a selection of discounts can be found below.

• State Farm has discounts for Drive Safe & Save, multiple autos, safe vehicle, accident-free, Steer Clear safe driver discount, and multiple policy.
• GEICO may have discounts that include daytime running lights, anti-lock brakes, multi-vehicle, multi-policy, federal employee, and driver training.
• Progressive offers discounts for good student, multi-vehicle, multi-policy, online signing, continuous coverage, homeowner, and online quote discount.
• 21st Century offers premium reductions for defensive driver, theft prevention, teen driver, air bags, anti-lock brakes, automatic seat belts, and good student.
• American Family offers discounts including mySafetyValet, TimeAway discount, early bird, defensive driver, bundled insurance, Steer into Savings, and good student.
• The Hartford includes discounts for air bag, defensive driver, good student, bundle, driver training, vehicle fuel type, and anti-theft.
• AAA may offer discounts for multi-car, good student, AAA membership discount, good driver, education and occupation, and multi-policy.

When quoting, ask each company to apply every possible discount. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of companies that offer many of these discounts, click this link.

Mercedes-Benz 190E Insurance Premium Factors

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating the price you pay for car insurance. When you understand what determines base rates, this allows you to make good choices that may result in big savings. Lots of factors are used when quoting car insurance. A few of the factors are predictable such as traffic violations, although some other factors are more obscure like your continuous coverage or your financial responsibility.

• Liability insurance claims can be big – Your car insurance policy’s liability coverage will provide protection if a court rules you are at fault for personal injury or accident damage. It will provide you with a defense in court to defend your case. Liability is cheap compared to physical damage coverage, so do not cut corners here.
• Experienced drivers are lower risk – Older, more experienced drivers are proven to be safer behind the wheel, cause fewer claims and accidents and are safer drivers.Drivers with little experience are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle and because of this, their car insurance rates are much higher.
• Your vocation and car insurance rates – Occupations such as doctorsairline pilots and miners tend to have higher premium rates because of stressful work requirements and lots of time spent away from family. On the flip side, careers like professors, students and the unemployed pay the least on 190E coverage.
• Deter theft and pay less – Owning a car that has an advanced theft prevention system can save you a little every year. Anti-theft features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop your car from being stolen.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing the best car insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether you would benefit from professional advice.

• Is my cargo covered for damage or theft?
• Are split liability limits better than a combined single limit?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• How much liability do I need to cover my assets?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered when driving someone else’s vehicle?
• Does medical payments coverage apply to all occupants?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is pleasure use cheaper than using my Mercedes-Benz 190E to commute?

If you can’t answer these questions then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

Car insurance quotes from local neighborhood car insurance agents

Many people still like to get advice from a local agent. Good insurance agents can help you build your policy and will help you if you have claims. The biggest benefit of price shopping on the web is that you can obtain the best rates and still buy from a local agent.

To find an agent, once you fill out this form (opens in new window), your information is submitted to local insurance agents who can give free rate quotes for your coverage. It’s much easier because you don’t need to leave your computer because prices are sent straight to your inbox. If you have a need to compare prices from one company in particular, you would need to visit that company’s website and give them your coverage information.

Choosing the best company needs to be determined by more than just a cheap quote. Here are some questions to ask:

• Which insurance company do they prefer to write with?
• Is vehicle mileage a factor when determining depreciation for repairs?
• Do they carry Errors and Omissions coverage?
• Are they able to influence company decisions when a claim is filed?
• Do you work with a CSR or direct with the agent?

If you want a reliable agent, it helps to know the two types of insurance agents that you can select. Car insurance agencies can be classified as either independent (non-captive) or captive. Either one can sell affordable car insurance policies, but it’s good to learn the difference in how they write coverage since it may influence your agent selection.

Captive Insurance Agents

These agents can only quote rates from one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. Captive agencies are unable to place coverage with different providers so always compare other rates. Captive insurance agents receive extensive training on their products and sales techniques and that allows them to sell at a higher price point. A lot of people buy insurance from these agents partially due to the prominence of the brand rather than having the cheapest rates.

Independent Agencies or Brokers

Agents of this type are not employed by any specific company so they can quote policies through many companies and find you cheaper rates. If they find a cheaper price, an independent agent can move your coverage which is easy for the insured. When comparison shopping, you definitely need to get quotes from at a minimum one independent agency to have the best price comparison. Most also have access to companies that do not advertise much which can save you money.

For insurance agents in your area, please link to this directory of car insurance providers in your state.

And the best car insurance company is…

You just learned a lot of tips how to get a better price on Mercedes-Benz 190E insurance. It’s most important to understand that the more you , the better chance you’ll have of finding . Consumers may even find the most savings is with a lesser-known regional company.

When you , do not buy less coverage just to save a little money. There are too many instances where an insured cut physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Budget-conscious Mercedes-Benz 190E insurance is available online and from local insurance agents, so you need to with both in order to have the best chance of saving money. Some car insurance companies may not have price quotes online and usually these small insurance companies provide coverage only through independent agents.