Locating better insurance prices for a Mercedes-Benz 190E can be an all-consuming task, but you can follow our car insurance buying tips to find lower rates. There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to get price quotes for your Mercedes-Benz and obtain the best price possible.
Consumers need to get comparison quotes quite often because prices fluctuate regularly. If you had the best rates for 190E insurance a few years ago there is a good chance you can find better rates now. There is too much inaccurate information about car insurance on the internet, so with this article, you’re going to get some guaranteed methods to reduce your car insurance bill.
Comprehensive Car Insurance Comparison
When shopping for car insurance there are multiple ways of comparing rate quotes from car insurance companies in your area. The best method to find the lowest Mercedes-Benz 190E rates consists of obtaining rate quotes online. This can be done using a couple different methods.
- The single most time-saving way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form prevents you from having to do multiple quote forms for each company. One quote request will get you price quotes instantly. It’s definitely the quickest method.
- A different way to find lower rates is going to each company website and complete a new quote form. For sake of this example, let’s assume you want comparison quotes from Farmers, Progressive and GMAC. To find out each rate you need to take the time to go to each site and enter your policy data, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
- The most time-consuming way of comparing rate quotes is to waste gas driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you want the personal advice that only a license agent can provide. However, consumers can find lower rates online and still use a local agent. We’ll cover that shortly.
Whichever method you choose, make sure you use apples-to-apples quote information on every quote you get. If your comparisons have different liability limits you can’t possibly determine the best price for your Mercedes-Benz 190E. Quoting even small variations in limits can make a big difference in price. And when comparing car insurance rates, know that quoting more will enable you to find the best rates.
These factors can influence what you pay for Mercedes-Benz 190E insurance
It’s important that you understand the different types of things that go into determining your car insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower car insurance prices.
- Do you know you’re credit rating? – Your credit rating is a important factor in determining your rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit ratings. So if your credit history can use some improvement, you could save money insuring your Mercedes-Benz 190E by improving your credit score.
- Adjust deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your Mercedes-Benz from damage. A few examples of covered claims are a windshield shattered by a rock, damage caused by hail, or theft. Your deductibles are the amount of money you are willing to pay before a claim is paid by your company. The more money you have to pay, the less your car insurance will be for 190E insurance.
- Optional equipment can affect rates – Choosing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft.
- Where you live is a factor – Residing in a small town has it’s advantages when talking about car insurance. Urban drivers tend to have congested traffic and longer commutes to work. Less people living in that area means a lower chance of having an accident.
- No coverage gaps is important – Having an insurance coverage lapse is a guaranteed way to trigger a rate increase. Not only will you pay more, but being ticketed for driving with no insurance might get you a revoked license or a big fine.You may then be required to file a SR-22 with your state DMV.
- Do you need those extra coverages? – There are many extra coverages that you can buy if you aren’t careful. Coverages for personal injury protection, towing coverage and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate them to save money.
- Discounts for multiple policies – Many companies give discounts to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to shop around to confirm you are receiving the best rates possible. You may still find a better deal by insuring with multiple companies.
- Type of vehicle determines base rates – The type of vehicle you are insuring makes a huge difference in your rates. Since the Mercedes-Benz 190E falls in the luxury sedan class, insuring your vehicle will cost more than the average rate where you live. Small economy passenger cars usually have the lowest rates, but the final cost of insurance is determined by many other factors.
Save money by taking advantage of these discounts
Auto insurance companies don’t list all their discounts in a way that’s easy to find, so we researched some of the more common as well as the least known discounts you could be receiving.
- Air Bag Discount – Vehicles with factory air bags can qualify for discounts of more than 20%.
- Driver’s Ed – Require your teen driver to enroll in driver’s education in school.
- Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
- Good Students Pay Less – Getting good grades can get you a discount of up to 25%. The discount lasts up until you turn 25.
- Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
Consumers should know that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, you won’t be that lucky.
Do I need special coverages?
When it comes to buying coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.
For example, these questions might help in determining if your insurance needs will benefit from professional help.
- I don’t drive much so do I pay less?
- Can my teen driver be rated on a liability-only vehicle?
- How high should my uninsured/underinsured coverage be in my state?
- When do I need to add a new car to my policy?
- Do I need PIP (personal injury protection) coverage in my state?
- How high should my medical payments coverage be?
- What if I don’t agree with a claim settlement offer?
- What if I total my Mercedes-Benz 190E and owe more than it’s worth?
If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form.
Neighborhood agents for car insurance
Some people just want to buy from a local agent and that is just fine! The biggest benefit of comparing insurance prices online is you can get lower rates and still have an agent to talk to.
Upon completion of this form (opens in new window), the coverage information is submitted to local insurance agents who will return price quotes for your coverage. You never need to even leave your home since price quotes are sent straight to your inbox. How cool is that?! You’ll get the best rates without the usual hassles of price shopping.
Deciding on an insurer shouldn’t rely on just a cheap price. Ask your prospective agent these questions:
- Who is covered by the car insurance policy?
- How are claims handled?
- What will you get paid if your car is a total loss? How is that amount determined?
- Does the agency support the community they serve?
- What insurance companies do they work with?
- What are the financial ratings for the companies they represent?
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Does the agency provide any after hours assistance?
Independent or Captive: It’s your choice
When finding a good insurance agent, there are two types of agencies to choose from. Agents can either be independent (non-captive) or captive.
Captive Agents
This type of agents are contracted to one company and examples are Allstate, State Farm and Farmers Insurance. They usually cannot place coverage with different providers so keep that in mind. Captives receive extensive training on the products they sell which can be an advantage. Consumers sometimes buy insurance from these agents mostly because of the brand legacy and solid financial strength.
Independent Agents (or Brokers)
Independent agents do not work for one specific company but instead can place your coverage with lots of companies and potentially find a lower price. If you are not satisfied with one company, the agent simply finds a different carrier and that require little work on your part. When comparison shopping, you should always include at a minimum one independent agency to ensure the widest selection of prices.Many can place coverage with smaller regional carriers which may provide better rates.
To view a full list of insurance agencies, visit this page.
After getting reasonable responses to your questions as well as a affordable price, you’ve probably found an insurance agent that will insure your vehicles.
Do the work, save more money
Cost effective Mercedes-Benz 190E insurance can be bought online and with local insurance agents, so you should compare both to get a complete price analysis. Some companies do not offer online quoting and usually these smaller companies provide coverage only through local independent agents.
As you shop your coverage around, you should never reduce coverage to reduce premium. There have been many cases where someone sacrificed liability coverage limits only to regret at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best price, not the least amount of coverage.
Consumers who switch companies do it for a variety of reasons including delays in paying claims, an unsatisfactory settlement offer, unfair underwriting practices or not issuing a premium refund. It doesn’t matter what your reason, finding a new car insurance company can be less work than you think.
