2016 Mercedes-Benz B-Class Electric Drive Insurance Rates

Looking for cheaper auto insurance rates for your Mercedes-Benz B-Class Electric Drive? Drivers not familiar with comparing auto insurance rates on the internet may find buying cheap auto insurance can be quite difficult.

It’s smart to compare premium rates every six months since insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest rate for B-Class Electric Drive coverage a few years ago there may be better deals available now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to properly buy coverages while reducing your premium.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these tips. Finding the lowest cost coverage is not that difficult. Nevertheless, vehicle owners do need to understand the way companies compete online and use this information to your advantage.

The method we recommend to compare car insurance company rates takes advantage of the fact almost all companies will pay a fee to give free rates quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details including types of safety features, whether the vehicles are used for commuting, your occupation, and if you are currently licensed. Your details is sent automatically to insurance companies and they provide comparison quotes within a short period of time.

If you wish to get multiple quotes for your Mercedes-Benz B-Class Electric Drive now, click here and enter the information requested.

Car insurance companies offer lots of discounts

Some insurance providers don’t always list every policy discount very well, so the list below gives a summary of some of the best known and the harder-to-find savings tricks you should be using when you buy auto insurance online. If you do not check that you are getting every discount available, you could be paying more than you need to.

  • Good Grades Discount – Getting good grades can save 20 to 25%. Most companies allow this discount up to age 25.
  • Theft Deterent System – Cars optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • Driving Data Discount – Insureds who allow data collection to monitor their driving habits by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as they are good drivers.
  • Sign Online – Some larger companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Bundled Policy Discount – If you can bundle your home and auto insurance and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.
  • Auto/Life Discount – Not all car insurance companies offer life insurance, but some may give you a discounted car insurance rate on car insurance if you buy auto and life insurance together.
  • Anti-lock Brake Discount – Cars equipped with ABS or steering control are safer to drive so you can save 10 percent or more.
  • Cautious Driver Discounts – Drivers who avoid accidents can pay as much as 50% less for B-Class Electric Drive coverage compared to rates paid by drivers with frequent claims.

Just know that most discounts do not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic.

To see a list of insurance companies with discount car insurance rates, click this link.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions can help discover whether your personal situation will benefit from professional help.

  • I don’t drive much so do I pay less?
  • When should I not file a claim?
  • Can I drive in Mexico and have coverage?
  • Does coverage extend to a rental car in a foreign country?
  • Am I covered when driving on a suspended license?
  • Why am I required to buy liability insurance?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

You can change your insurance prices

Smart consumers have a good feel for some of the factors that aid in calculating your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that could help you find lower rates.

The items below are most of the major factors used by insurance companies to determine prices.

  • Age of drivers – Older insureds are more responsible, file fewer claims , and are generally more financially stable.Beginning drivers are statistically shown to be inattentive and easily distracted behind the wheel therefore auto insurance rates are much higher.
  • Your address can push rates up or down – Residing in small towns and rural areas may provide you with better prices when talking about auto insurance. Urban drivers have much more traffic and longer commutes to work. Fewer drivers and short commutes translates into fewer accident claims in addition to fewer liability claims.
  • Better prices on cars with good safety ratings – Safe vehicles are cheaper to insure. The safest vehicles reduce injuries and fewer serious injuries translates directly to fewer claims and cheaper rates on your policy. If your Mercedes-Benz has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • If you don’t need it don’t buy it – There are a ton of extra bells and whistles that can add up if you don’t pay attention. Coverages like rental car coverage, accident forgiveness, and extra life insurance coverage may be wasting your money. The coverages may be enticing when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
  • Lower miles equals lower premium – The higher the miles on your Mercedes-Benz each year the higher your rate. Almost all companies apply a rate based upon how the vehicle is primarily used. Cars and trucks that have low annual miles qualify for better rates than vehicles that are driven to work every day. It’s always a good idea to double check that your auto insurance coverage shows the proper vehicle usage, because improper ratings can cost you money. Improper usage on your B-Class Electric Drive is throwing money out the window.

Specific coverages for a Mercedes-Benz B-Class Electric Drive

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for immediate expenses such as prosthetic devices, hospital visits, ambulance fees and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision – This coverage pays for damage to your B-Class Electric Drive caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as backing into a parked car, hitting a parking meter, colliding with another moving vehicle and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Auto liability insurance – This provides protection from damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, medical services, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages – This coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, a broken windshield, fire damage, falling objects and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Smart shoppers get results

Cheaper auto insurance is attainable on the web as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not have online rate quotes and most of the time these small, regional companies only sell coverage through independent insurance agencies.

Drivers switch companies for a number of reasons such as policy cancellation, being labeled a high risk driver, not issuing a premium refund or even extreme rates for teen drivers. It doesn’t matter what your reason, finding a new company is pretty easy and you might even save some money in the process.

As you prepare to switch companies, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your aim should be to purchase a proper amount of coverage for the lowest cost but still have enough coverage for asset protection.

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