Lower Your 2014 Mercedes-Benz B-Class Electric Drive Insurance Rates

Buying low-cost insurance coverage online is intimidating for consumers not familiar with buying insurance on the web. With so many choices of online companies available, how can drivers have a chance to compare them all to find the best pricing?

It’s a good idea to check insurance coverage prices yearly since insurance rates are usually higher with each renewal. Even if you think you had the lowest rates on B-Class Electric Drive coverage six months ago other companies may now be cheaper. So forget anything you know (or think you know) about insurance coverage because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

If you are paying for car insurance now, you will be able to save some money using this information. Finding more affordable insurance coverage is easy if you know what you’re doing. Although drivers need to learn how the larger insurance companies sell online and take advantage of how the system works.

Why your Mercedes-Benz B-Class Electric Drive might be costing you more

Smart consumers have a good feel for the factors that go into determining insurance coverage rates. Having a good understanding of what impacts premium levels enables informed choices that may reward you with better insurance coverage rates.

  • Keep rates low by being claim-free – If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance companies provide discounts to insureds who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Where you reside plays a part – Choosing to live in small towns and rural areas has it’s advantages when it comes to insurance coverage. Drivers in populated areas tend to have congested traffic and longer commutes to work. Fewer people means fewer accidents.
  • A lapse in coverage is a bad thing – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.Then you may be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Multiple policies with one company can save – The majority of insurance coverage companies provide better rates to customers who buy several policies from them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to make sure you are getting the best deal.
  • Traffic violations increase rates – Good drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one moving violation can increase rates twenty percent or more. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to drive a vehicle legally.
  • Little extras can really add up – There are a ton of additional coverages that you can get tricked into buying when buying insurance coverage. Coverages like vanishing deductibles, accidental death and additional equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.

The most recommended method to compare policy rates is to know the fact car insurance companies allow for online access to quote your coverage. The one thing you need to do is provide details like distance driven, if the vehicle is leased, whether you are single or married, and deductibles desired. That rating data is instantly provided to multiple different insurance companies and they return cost estimate quickly.

To check rates for your 2014 Mercedes-Benz B-Class Electric Drive, click here then complete the form.

Slick advertising tricks that work

Insurance companies such as State Farm and Allstate consistently run ads in print and on television. They all seem to say the same thing that you can save if you change your policy. How does each company claim to save you money?

Different companies have a preferred profile for the type of customer that makes them money. For example, a desirable insured might be over the age of 50, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and most likely will save when they switch companies.

Potential insureds who don’t measure up to the requirements will have to pay a higher premium and this can result in business not being written. The ads say “people who switch” not “everybody who quotes” save that much. That’s why companies can truthfully advertise the way they do.

Because of the profiling, drivers should quote coverage with many companies. It’s impossible to know which insurance companies will fit your personal profile best.

Cut your insurance rates with discounts

The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Certain discounts will be applied at the time of quoting, but a few need to be specially asked for prior to receiving the credit.

  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Life Insurance Discount – Larger companies have a discount if you purchase a life insurance policy as well.
  • Own a Home – Being a homeowner can help you save on insurance because maintaining a house shows financial diligence.
  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill if you qualify.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • No Accidents – Claim-free drivers can save substantially compared to bad drivers.
  • Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.

As a disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Some only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you could get a free insurance policy, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

For a list of companies with the best insurance discounts, click this link.

You are unique and your car insurance should be too

When it comes to choosing the best car insurance coverage for your vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

These are some specific questions can help discover if your situation may require specific advice.

  • Who is covered by my policy?
  • How do I file an SR-22 for a DUI in my state?
  • Does liability extend to a camper or trailer?
  • Can I still get insurance after a DUI?
  • Does coverage extend to my business vehicle?
  • Do I need medical payments coverage since I have good health insurance?
  • What is UM/UIM insurance?

If you can’t answer these questions, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

What insurance coverages do you need?

Learning about specific coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability car insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as funeral expenses, repair costs for stationary objects, emergency aid and pain and suffering. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Comprehensive or Other Than Collision – This coverage covers damage that is not covered by collision coverage. 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, rock chips in glass, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision coverage pays for damage to your B-Class Electric Drive resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like backing into a parked car, crashing into a ditch, rolling your car and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

Medical costs insurance – Coverage for medical payments and/or PIP provide coverage for expenses such as nursing services, surgery, funeral costs and pain medications. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz B-Class Electric Drive.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages do not exceed the liability coverage limits.

Compare but don’t skimp

Cheaper 2014 Mercedes-Benz B-Class Electric Drive insurance is definitely available both online and with local insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies do not offer online quoting and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, never buy poor coverage just to save money. In many instances, consumers will sacrifice physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at an affordable rate, not the least amount of coverage.

People leave their current company for many reasons like not issuing a premium refund, being labeled a high risk driver, poor customer service or questionable increases in premium. Regardless of your reason, switching companies is not as hard as you think.

To learn more, feel free to browse these articles: