Save on 2017 Mercedes-Benz B-Class Electric Drive Insurance Quotes

Trying to find better insurance coverage rates for your Mercedes-Benz B-Class Electric Drive? Being forced to pay for high-priced insurance coverage premiums can drain your funds and put the squeeze on your family’s finances. Doing a price comparison can lower your rates and help to lower your monthly bill.

Insurance companies such as State Farm, Geico and Farmers Insurance persitently shower you with TV and radio ads and it is difficult to sift through the bull and find the best price available.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Finding the best rates is not that difficult. Although vehicle owners must know how the larger insurance companies sell online and take advantage of how the system works.

How to find affordable auto insurance

Most companies such as State Farm and Allstate allow you to get prices from their websites. Getting online rates is quite simple as you simply type in the coverages you want as detailed in the form. Once entered, their quoting system will order credit information and your driving record and generates a price based on the data you entered. Online price estimates makes comparing rates easy, but the process of having to visit several different sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s also necessary to perform this step if you want to find a better rate.

There is an easier way!

The easiest way to get multiple rate quotes uses just one form that obtains quotes from several companies at one time. The form is fast, eliminates form submissions, and makes online price comparison much simpler. After sending your information, it gets priced and you can select your choice of the resulting price quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here and fill out the form. If you have coverage now, it’s recommended you copy the coverage information identical to your current policy. Doing this guarantees you will have rate comparison quotes using the same coverage and limits.

Earn discounts on auto insurance

The cost of insuring your cars can be expensive, but you might find some hidden discounts that could drop your premiums quite a bit. A few discounts will be applied at quote time, but a few must be inquired about prior to getting the savings.

  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Responsible Driver Discount – Safe drivers could pay up to 40% less on B-Class Electric Drive coverage compared to rates paid by drivers with frequent claims.
  • Multi-line Discount – Select insurance companies reward you with a small discount if you purchase life insurance from them.
  • Federal Employees – Simply working for the federal government may reduce rates when you quote insurance coverage on B-Class Electric Drive coverage depending on your company.
  • Clubs and Organizations – Participating in a civic or occupational organization may earn a discount when shopping for auto insurance.
  • Home Ownership Discount – Being a homeowner may trigger a policy discount on auto insurance since owning and maintaining a home is proof that your finances are in order.

It’s important to note that most credits do not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Despite the appearance that all the discounts add up to a free policy, nobody gets a free ride.

A list of auto insurance companies and the discounts they provide include:

  • Progressive includes discounts for multi-vehicle, online quote discount, online signing, good student, continuous coverage, multi-policy, and homeowner.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, multi-car, early shopping, business and professional, distant student, bundle discounts, and good student.
  • Farm Bureau offers discounts including safe driver, renewal discount, good student, multi-policy, multi-vehicle, 55 and retired, and driver training.
  • State Farm may include discounts for multiple autos, accident-free, Steer Clear safe driver discount, student away at school, and good driver.
  • Geico may offer discounts for emergency military deployment, multi-policy, multi-vehicle, daytime running lights, five-year accident-free, good student, and driver training.
  • SAFECO has savings for accident prevention training, safe driver, anti-lock brakes, bundle discounts, drive less, teen safety rewards, and teen safe driver.
  • Liberty Mutual may have discounts that include new graduate, good student, hybrid vehicle, new move discount, preferred payment discount, teen driver discount, and newly retired.

Before you buy a policy, ask each company how you can save money. Some discounts listed above might not be offered in every state. To see a list of providers with discount rates, click this link.

Smart consumers can cut their insurance premiums

Lots of things are taken into consideration when pricing auto insurance. A few of the factors are predictable like a motor vehicle report, but other factors are not quite as obvious such as whether you are married or how financially stable you are.When buying car insurance it’s important to understand the rating factors that aid in calculating the price you pay for car insurance. If you have a feel for what determines premiums, this enables you to make decisions that could result in lower premium levels.

The following are some of the most rate-impacting factors used by your company to calculate your rates.

  • Safety first – Vehicles with high crash test scores tend to have lower insurance rates. Highly rated vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Be proud to be claim-free – Car insurance companies award the lowest premiums to policyholders who do not rely on their insurance for small claims. If you are a frequent claim filer, you can pretty much guarantee either higher rates or even cancellation. Your car insurance is meant to be used in the event of more catestrophic claims.
  • Always keep your car insurance policy in force – Driving any period of time without insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance coverage expire. In addition to paying higher rates, getting caught without coverage will get you a revoked license or a big fine. You could then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • How much liability insurance do you need? – The liability coverage on your policy will provide protection if a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Cut premiums and deter theft – Choosing a vehicle with a theft deterrent system can help lower your premiums. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system help track and prevent auto theft and help lower rates.
  • Location can impact price – Being located in a small town can be a good thing when insuring your vehicles. Fewer drivers and short commutes translates into fewer accidents in addition to lower liability claims Residents of big cities tend to have much more traffic and longer commute times. The longer drive time means a statistically higher chance of an accident.
  • See if your company offers a multi-policy discount – Some insurance companies apply a discount for people who carry more than one policy. It’s known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to comparison shop to ensure the best deal.
  • Getting married can lower rates – Getting married may cut your premiums on your car insurance policy. It may mean you are more mature and statistics prove being married results in fewer claims.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions could help you determine if your insurance needs could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Where can I find DUI or SR-22 insurance?
  • Can my babysitter drive my car?
  • Is my teen driver covered when they drive my company car?
  • Does liability extend to a camper or trailer?
  • When can I cancel my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Auto insurance coverage information

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like theft, falling objects, hail damage, fire damage and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This pays for damage to your B-Class Electric Drive resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Auto liability

Liability coverage can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, legal defense fees, repair costs for stationary objects, bail bonds and court costs. How much coverage you buy is up to you, but buy higher limits if possible.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, chiropractic care, dental work and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and damage to your Mercedes-Benz B-Class Electric Drive.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these coverages are set the same as your liablity limits.

Shop. Compare. Save.

As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, someone sacrificed physical damage coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best possible price, but do not skimp to save money.

We covered a lot of information how to get a better price on 2017 Mercedes-Benz B-Class Electric Drive insurance. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheap insurance coverage. Consumers may even find the best price on car insurance is with a lesser-known regional company. They may only write in your state and offer lower auto insurance rates than the large multi-state companies such as Allstate and Progressive.

More detailed car insurance information can be found by following these links: