View 2015 Mercedes-Benz B-Class Electric Drive Insurance Cost

Comparison shopping for cheaper car insurance can be difficult for drivers who have little experience online price comparisons. Since there are so many online companies available, it can be a difficult mission to compare prices.

Insurance rates and discounts

Some insurers don’t always advertise every policy discount very well, so the list below details some of the best known and the harder-to-find discounts that you can inquire about if you buy insurance online. If you are not receiving all the discounts possible, you could be paying more than you need to.

  • Active Service Discounts – Having an actively deployed family member could mean lower premium rates.
  • Use Seat Belts – Requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you may earn as much as 10 to 15 percent.
  • Telematics Data – Drivers that enable data collection to study their driving habits remotely like Allstate’s Drivewise may see discounts as long as the data is positive.
  • Low Miles Discount – Low annual miles may enable drivers to earn discounted insurancerates on garaged vehicles.
  • Good Grades Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
  • Accident Free – Insureds who avoid accidents and claims get the best insurance rates in comparison to drivers with a long claim history.

We need to note that most discount credits are not given to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Despite the appearance that you could get a free insurance policy, insurance companies wouldn’t stay in business.

A list of insurance companies and a summarized list of policyholder discounts are detailed below.

  • American Family may include discounts for early bird, bundled insurance, accident-free, good student, and mySafetyValet.
  • State Farm discounts include multiple autos, multiple policy, defensive driving training, safe vehicle, driver’s education, and passive restraint.
  • 21st Century may offer discounts for air bags, good student, teen driver, driver training, theft prevention, 55 and older, and anti-lock brakes.
  • Travelers has savings for driver training, home ownership, new car, payment discounts, and early quote.
  • Geico offers premium reductions for multi-vehicle, anti-theft, air bags, military active duty, and daytime running lights.

If you need lower rates, check with each insurance company which discounts can lower your rates. Depending on the company, some discounts might not be offered on policies in your area. To see a list of companies with the best insurance discounts, follow this link.

Low cost car insurance

The majority of larger companies allow you to get price estimates online. Doing online quotes is very simple as you just enter the amount of coverage you want as requested by the quote form. Behind the scenes, their system automatically orders your driving and credit reports and returns a price based on the information you submitted.

Quoting online streamlines rate comparisons, but the time it takes to visit many different websites and type in the same information is a waste of time. But it’s necessary to have as many quotes as possible if you want to find better car insurance pricing.

There is a better way!

The easiest way to find cheaper rates uses just one form that gets prices from multiple companies. It saves time, reduces the work, and makes rate comparisons a lot less work. Immediately after you send the form, it is quoted and you are able to buy any one of the price quotes you receive. If you find a better price you can click and sign and purchase the new policy. The entire process can be completed in less than 10 minutes and you’ll know if lower rates are available.

To save time and fill out one form to compare multiple rates now, click here and enter your vehicle and coverage information. If you have your current policy handy, we recommend you copy your coverages just like they are on your policy. Doing this assures you will receive a price comparison using the same coverage and limits.

The Mercedes-Benz B-Class Electric Drive insurance price equation

Part of the car insurance buying process is learning the rating factors that go into determining your policy premiums. If you know what determines premiums, this enables you to make decisions that will entitle you to lower car insurance prices. Many factors are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like a motor vehicle report, but others are less obvious like your continuous coverage and annual miles driven.

The factors shown below are most of the major factors car insurance companies consider when setting prices.

  • Improve your credit rating and save – Having a bad credit rating can be an important factor in calculating your car insurance rates. If your credit history is not that good, you could be paying less to insure your 2015 Mercedes-Benz B-Class Electric Drive if you clean up your credit. Consumers who have good credit tend to be more responsible and file fewer claims than those with lower ratings.
  • Traffic violations are costly – Having a clean driving record can have a huge impact on auto insurance premiums. Good drivers pay lower auto insurance prices as compared to careless drivers. Getting just one driving citation can bump up the cost substantially. Drivers who have gotten careless tickets like hit and run, DWI or reckless driving convictions might be required by their state to complete a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
  • More annual miles equals more premium – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. A lot of companies rate vehicles based on how the vehicle is used. Cars and trucks used primarily for pleasure use get more affordable rates compared to those used for work or business. Improper usage on your B-Class Electric Drive may be costing you higher rates. It’s always a good idea to double check that your declarations sheet correctly shows the proper vehicle usage.
  • Small claims can cost you – Car insurance companies provide lower rates to people that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is meant to be used in the event of larger claims.
  • Higher car insurance rates for stressful occupations – Jobs like lawyersairline pilots and dentists tend to pay the highest rates in part from job stress and lots of time spent away from family. On the other hand, jobs like actors, athletes and homemakers get better rates on B-Class Electric Drive coverage.
  • Gender as a rate factor – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean men are worse drivers. Both sexes are responsible for auto accidents at about the same rate, but males tend to have higher claims. They also receive more major tickets like reckless driving and DUI.
  • Car insurance rates and age – Young drivers are proven to be careless and easily distracted when driving with friends so car insurance rates are higher. Mature drivers are shown to be more cautious, cost insurance companies less in claims , and are generally more financially stable.
  • How much liability insurance – Your car insurance policy’s liability coverage is the coverage that protects you in the event that you are found liable for damages from an accident. Your policy’s liability insurance provides for a legal defense to defend your case. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.

Situations that may require an agent’s advice

When it comes to buying adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that can help discover if you may require specific advice.

  • Will my rates increase for filing one claim?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I get a pro-rated refund if I cancel my policy early?
  • When should I not file a claim?
  • Is business equipment covered while in my vehicle?
  • Is rental equipment covered for theft or damage?
  • Is motorclub coverage worth it?
  • Am I covered when driving in Canada or Mexico?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form.

The coverage is in the details

Knowing the specifics of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch, colliding with a tree and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Mercedes-Benz B-Class Electric Drive.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

This coverage protects you from damage that occurs to a person or their property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like court costs, pain and suffering, repair bills for other people’s vehicles, emergency aid and loss of income. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses such as hospital visits, surgery, doctor visits and dental work. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Summing up your auto insurance search

We just presented many ideas to reduce 2015 Mercedes-Benz B-Class Electric Drive insurance car insurance rates online. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with some of the smallest insurance companies.

People switch companies for any number of reasons including denial of a claim, unfair underwriting practices, lack of trust in their agent or an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

As you restructure your insurance plan, do not buy less coverage just to save a little money. There have been many cases where consumers will sacrifice physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

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