Car Insurance Quotes for a Mercedes-Benz E350 in Milwaukee

Do you want an efficient way to compare low-cost insurance rates in Milwaukee, WI? Milwaukee drivers have many options when trying to find the lowest priced Mercedes-Benz E350 insurance. They can either spend hours contacting agents getting price quotes or utilize the internet to compare rates. There are more efficient ways to shop for insurance and you need to know the quickest way to get price quotes on a Mercedes-Benz and obtain the lowest price from both online companies and Milwaukee agents.

Locating the best rates in Milwaukee is actually quite simple. If you’re already insured, you stand a good chance to be able to buy cheaper auto insurance using the ideas presented in this article. Drivers just have to learn the best way to compare different rates using one simple form.

The providers in the list below are our best choices to provide free quotes in Wisconsin. If multiple companies are shown, we recommend you visit two to three different companies to get the most competitive price.

Data based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate information does not factor in specific garaging location which can increase or decrease coverage prices considerably.

Physical damage deductible comparison

One frequently asked question is how high should your deductibles be. The comparison tables below determine the rate difference when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of rates uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Wisconsin minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Premium costs do not factor in specific location which can affect insurance rates significantly.

Based on these figures, using a $100 deductible will cost you roughly $24 more each month or $288 for a full year than opting for the higher $500 deductible. Since the policyholder would be required to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you have at least 17 months between claims, you would save more money if you opt for a higher deductible.

Car insurance discounts help lower rates for Mercedes-Benz E350 insurance in Milwaukee

Some insurers don’t necessarily list every policy discount in a way that’s easy to find, so the list below details some of the best known and the more hidden credits available to you. If you’re not getting every credit possible, it’s possible you qualify for a lower rate.

• Early Renewal Discounts – A few car insurance companies give discounts for renewing your policy prior to your current E350 insurance policy expiration. Ten percent is about the average savings.
• Professional Memberships – Being in qualifying clubs or civic groups may earn a discount when shopping for car insurance.
• Multi-policy Discount – If you have multiple policies with the same company you may save as much as 10 to 15 percent.
• Pay Upfront and Save – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.
• Multiple Cars – Drivers who insure multiple vehicles on one policy can get a discount for every vehicle.
• New Vehicle Savings – Buying a new car model can cost up to 25% less because new vehicles keep occupants safer.
• One Accident Forgiven – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident before hitting you with a surcharge if you have no claims before the accident.
• Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their Milwaukee car insurance quote than their less cautious counterparts.

It’s important to note that many deductions do not apply to your bottom line cost. Most only cut individual premiums such as comp or med pay. Just because you may think you would end up receiving a 100% discount, it’s just not the way it works.

A list of companies and some of their more popular discounts can be read below.

• GEICO offers discounts including air bags, anti-theft, emergency military deployment, five-year accident-free, multi-vehicle, and anti-lock brakes.
• SAFECO offers premium reductions for homeowner, safe driver, multi-car, bundle discounts, and anti-lock brakes.
• State Farm policyholders can earn discounts including student away at school, driver’s education, defensive driving training, Steer Clear safe driver discount, good driver, and Drive Safe & Save.
• MetLife includes discounts for good driver, accident-free, defensive driver, claim-free, and good student.
• 21st Century may have discounts that include homeowners, automatic seat belts, air bags, defensive driver, and 55 and older.
• Progressive discounts include multi-policy, good student, continuous coverage, online signing, homeowner, and multi-vehicle.

It’s a good idea to ask each company or agent how many discounts you can get. Some of the earlier mentioned discounts may not be offered in Milwaukee.

Car insurance agents near you

Many people still prefer to sit down and talk to an agent and that is OK! Professional insurance agents can help determine the best coverages and help you file claims. One of the benefits of comparing insurance prices online is that drivers can save money and get lower rates and still choose a local agent.

To help locate an agent, after submitting this quick form, your insurance coverage information is immediately sent to companies in Milwaukee that can give you free Milwaukee car insurance quotes for your coverage. There is no reason to drive around because quoted prices will be sent immediately to you. If you wish to compare prices from a specific car insurance provider, you would need to jump over to their website to submit a rate quote request.

Choosing the best company requires you to look at more than just a cheap quote. Any good agent in Milwaukee should know the answers to these questions.

• When do they do a full risk review?
• Where are claims handled?
• Are there any extra charges for paying monthly?
• What will you get paid if your car is a total loss? How is that amount determined?
• Which family members are covered?

When researching an insurance agent, it’s helpful to know the different types of agents to choose from. Car insurance policy providers are classified as either exclusive or independent agents depending on their company appointments. Both can do a good job, but it’s important to point out why they differ because it may have an impact on the selection process.

Exclusive Insurance Agents

These type of agents are contracted to one company and some examples include State Farm or Allstate. They are unable to provide prices from multiple companies so always compare other rates. They are well trained on their company’s products and that can be a competitive advantage. Consumers sometimes use the same agent mostly because of the brand name rather than low rates.

Shown below are exclusive insurance agencies in Milwaukee that can give you comparison quotes.

• American Family Insurance – Edward Thomas
  4641 W Forest Home Ave – Milwaukee, WI 53219 – (414) 327-4770 – View Map
• American Family Insurance – Derold Barker
  2215 E North Ave #1 – Milwaukee, WI 53202 – (414) 332-8350 – View Map
• American Family Insurance – Jaime Mercado
  709 W Layton Ave – Milwaukee, WI 53221 – (414) 481-4400 – View Map

More insurance agents

Independent Insurance Agents

Agents in the independent channel often have many company appointments so they have the ability to put coverage amongst many companies and find you the best rates. To move your coverage to a new company, they simply move your policy to a different company which requires no work on your part.

When shopping rates, you definitely need to include price quotes from a few independent agents to get the most accurate price comparison. They often place coverage with smaller companies who may have lower rates.

Listed below are independent agents in Milwaukee willing to provide rate quotes.

• Robertson Ryan and Associates, Inc
  330 E Kilbourn Ave #650 – Milwaukee, WI 53202 – (414) 271-3575 – View Map
• B and J Insurance Agency, Inc.
  4234 N 76th St – Milwaukee, WI 53222 – (414) 461-4120 – View Map
• 1st Light Insurance Services
  500 W Silver Spring Dr k200 – Milwaukee, WI 53217 – (414) 393-1950 – View Map

More insurance agents

When to get professional advice

When choosing adequate coverage for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Every insured’s situation is different so this has to be addressed.
These are some specific questions might point out if your insurance needs would benefit from an agent’s advice.

• What is the rate difference between pleasure use and commuting?
• Are split liability limits better than a combined single limit?
• Should I drop comprehensive coverage on older vehicles?
• Which companies will insure me after a DUI?
• Why am I required to buy high-risk coverage?
• Does car insurance cover theft of personal property?
• Do I need replacement cost coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

The insurance bait and switch

Consumers get pounded daily by advertisements for cheaper insurance by Progressive, GEICO, Allstate and State Farm. All the companies convey the message about how much you will save if you move to their company.

How does every company have lower policy pricing? It’s all in how they say it.

All companies have specific guidelines for the type of driver that will generate a profit. One example of a desirable insured may be between the ages of 30 and 50, has a clean driving record, and has a short commute. Someone who meets those qualifications gets the lowest car insurance rates and will also cut their rates substantially.

Potential customers who don’t measure up to these standards will get a more expensive rate which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” but not “all drivers who get quotes” save that much money. That’s why companies can make those claims. This really drives home the point why it is so important to get Milwaukee car insurance quotes from several different companies. It is just not possible to predict which company will provide you with the cheapest Mercedes-Benz E350 insurance in Milwaukee.

Coverages available on your car insurance policy

Knowing the specifics of car insurance can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average car insurance policy.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses like funeral costs, doctor visits and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, a tree branch falling on your vehicle, damage from a tornado or hurricane, vandalism and hitting a deer. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz E350.

Due to the fact that many Wisconsin drivers have only the minimum liability required by law (25/50/10 in Wisconsin), their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

This can cover damage that occurs to other people or property. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/10 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $10,000.

Liability coverage protects against claims like legal defense fees, bail bonds, repair bills for other people’s vehicles, loss of income and emergency aid. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford. Wisconsin requires minimum liability limits of 25/50/10 but drivers should carry higher limits.

Auto collision coverage

Collision coverage covers damage to your E350 resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like sideswiping another vehicle, hitting a parking meter, backing into a parked car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible on your E350 to save money on collision insurance.

Smart shoppers get results

Lower-priced insurance in Milwaukee can be sourced on the web and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who may not provide price quotes online and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered a lot of techniques to find cheap Mercedes-Benz E350 insurance in Milwaukee. The key thing to remember is the more you quote Milwaukee car insurance, the better your chances of lowering your rates. You may even find the best price on insurance is with a small mutual company. Regional companies may often insure only within specific states and give better rates as compared to the big name companies such as State Farm or Progressive.

More information can be read at these links:

• Should I Buy a New or Used Car? (Allstate)
• Who Has Cheap Car Insurance Rates for Good Drivers in Milwaukee? (FAQ)
• How Much are Car Insurance Rates for Used Cars in Milwaukee? (FAQ)
• How Much are Milwaukee Car Insurance Rates for a Chevrolet Silverado? (FAQ)
• How Much are Milwaukee Auto Insurance Rates for Drivers with a Bad Driving Record? (FAQ)
• Who Has the Cheapest Auto Insurance for Infrequent Drivers in Milwaukee? (FAQ)
• How Much is Car Insurance for Real Estate Agents in Milwaukee? (FAQ)
• Can I Drive Legally without Insurance? (Insurance Information Institute)
• Uninsured Motorist Statistics (Insurance Information Institute)