2015 Mercedes-Benz B-Class Electric Drive Insurance Cost – 10 Tips to Save

Searching for cheaper car insurance rates? Consumers have options when looking for the lowest priced Mercedes-Benz B-Class Electric Drive insurance. They can either spend hours calling around trying to get quotes or leverage the internet to find the lowest rates.

There is a right way and a wrong way to shop for car insurance so you’re going to learn the proper way to quote coverages for your Mercedes-Benz and get the lowest price.

Consumers need to compare prices once or twice a year because prices change regularly. Just because you had the lowest rates for B-Class Electric Drive coverage last year a different company probably has better rates today. Block out anything you think you know about car insurance because we’re going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

This information will let you in on how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these tips. Consumers only need to know the best way to get comparison quotes online.

Finding Auto Insurance

There are multiple methods to compare 2015 Mercedes-Benz B-Class Electric Drive auto insurance prices but some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could use the internet to accomplish the same thing much quicker.

Many popular insurance companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and every company then returns a price quote based on that information. This system prevents you from having to do quote requests to each company. To access this free quoting program, click here to open in new window.

The single downside to pricing coverage this way is you cannot specify which companies you want pricing from. So if you want to select specific insurance companies to compare rates, we put together a list of low cost auto insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just ensure you’re using exactly the same coverages and limits for every quote you compare. If you are comparing different deductibles it’s impossible to make an equal comparison.

Cut prices on Mercedes-Benz B-Class Electric Drive insurance

The cost of insuring your cars can be expensive, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but a few must be specifically requested before you will receive the discount. If you’re not getting every credit available, you are throwing money away.

  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident without raising rates if you are claim-free prior to the accident.
  • Accident Free – Drivers with accident-free driving histories can earn big discounts as compared to accident-prone drivers.
  • Save over 55 – Older drivers can possibly qualify for better car insurance rates for B-Class Electric Drive coverage.
  • Drivers Ed for Students – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Early Switch Discount – Some companies give discounts for signing up before your current expiration date. It’s a savings of about 10%.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Discount for Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Sign Online – A few companies may give you up to $50 just for signing your application online.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for B-Class Electric Drive coverage than their less cautious counterparts.

It’s important to understand that many deductions do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, it doesn’t quite work that way. But all discounts will reduce the cost of coverage.

To see a list of insurers with the best car insurance discounts, click here.

Tailor your coverage to you

When choosing coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For instance, these questions might help in determining whether or not you might need professional guidance.

  • Can my teen drive my company car?
  • Does my personal policy cover me when driving out-of-state?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can I afford to buy a different vehicle if my 2015 Mercedes-Benz B-Class Electric Drive is totaled?
  • What companies insure drivers after a DUI or DWI?
  • Is a fancy paint job covered?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Specifics of your insurance policy

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for collisions

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

Collision coverage pays for things like hitting a mailbox, rolling your car, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your 2015 Mercedes-Benz B-Class Electric Drive.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time the UM/UIM limits are set the same as your liablity limits.

Auto liability

This coverage will cover damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like legal defense fees, pain and suffering, attorney fees, repair bills for other people’s vehicles and court costs. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like falling objects, hail damage, damage from flooding, hitting a bird and theft. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as hospital visits, rehabilitation expenses, prosthetic devices and funeral costs. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Be a money saver!

Discount 2015 Mercedes-Benz B-Class Electric Drive insurance is definitely available from both online companies in addition to many insurance agents, and you should be comparing both in order to have the best chance of saving money. Some companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.

In this article, we covered many tips how you can save on insurance. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may even find the biggest savings come from a small mutual company.

People who switch companies do it for a variety of reasons including lack of trust in their agent, policy non-renewal, poor customer service and even not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is pretty simple and you could end up saving a buck or two.

Much more information about insurance coverage can be read at the links below