Lower Your 2014 Mercedes-Benz B-Class Electric Drive Car Insurance Cost

Have you finally had enough of being strong-armed to buy insurance coverage? You have the same problem as many other consumers. There is such a variety of insurance companies to pick from, and although it’s a good thing to be able to choose, more choices can make it harder to find the lowest cost provider.

It is always a good idea to take a look at other company’s rates before your policy renews due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the best rate on B-Class Electric Drive coverage last year you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to learn one of the easiest ways to buy cheaper insurance coverage.

Locating affordable insurance coverage is easy if you know what you’re doing. If you have insurance now or are just looking to switch companies, you can use these techniques to reduce the price you pay and possibly find even better coverage. Consumers just need to understand the best way to shop their coverage around online.

You may qualify for discounts

Companies don’t always advertise every policy discount very clearly, so the list below details some of the more common as well as the least known credits that you can use to lower your rates.

  • No Accidents – Drivers with accident-free driving histories can earn big discounts compared to accident-prone drivers.
  • Mature Driver Discount – Mature drivers can possibly qualify for a small discount on rates on B-Class Electric Drive coverage.
  • Military Deployment Discount – Having a family member in the military may lower your car insurance rates slightly.
  • Telematics Data – People who choose to allow driving data submission to scrutinize driving manner by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may get a rate reduction if their driving habits are good.
  • Multi-line Discount – Car insurance companies who offer life insurance give lower premium rates if you buy a life insurance policy as well.
  • Discounts for Government Workers – Having worked for a branch of the government may reduce rates when you quote auto insurance on B-Class Electric Drive coverage with some car insurance companies.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Renewal Discounts – A few insurance companies give discounts for signing up prior to the expiration date on your current policy. This discount can save up to 10%.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like having all the discounts means you get insurance for free, it’s just not the way it works.

A list of car insurance companies and their offered discounts are:

  • Progressive offers discounts for homeowner, online quote discount, multi-policy, continuous coverage, multi-vehicle, online signing, and good student.
  • AAA may include discounts for multi-car, anti-theft, AAA membership discount, multi-policy, good driver, and pay-in-full.
  • Farmers Insurance policyholders can earn discounts including multi-car, switch companies, early shopping, youthful driver, good student, electronic funds transfer, and alternative fuel.
  • GEICO has savings for military active duty, seat belt use, membership and employees, daytime running lights, good student, air bags, and anti-theft.
  • Esurance offers discounts including multi-car, emergency road assistance, multi-policy, safety device, online quote, and defensive driver.
  • SAFECO has discounts for accident prevention training, bundle discounts, anti-theft, drive less, teen safety rewards, teen safe driver, and anti-lock brakes.
  • State Farm may offer discounts for good student, defensive driving training, passive restraint, accident-free, driver’s education, and multiple autos.

If you need low cost auto insurance quotes, ask each company or agent which discounts can lower your rates. Some discounts may not be offered everywhere. To choose companies that offer multiple discounts, click this link.

How to compare auto insurance quotes

Effectively comparing auto insurance prices can be a lot of work if you don’t know the easiest way. You could spend the better part of a day talking to insurance agencies in your area, or you can utilize online quotes to accomplish the same thing much quicker.

Most major companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company provides a quote based on that data. This system prevents you from having to do form submissions for each company you want a rate for.

To find out how much you can save on auto insurance click here to start a free quote.

The only downside to getting quotes like this is you don’t know exactly which carriers to get pricing from. If you wish to select individual companies to request quotes from, we put together a list of low cost auto insurance companies in your area. Click to view list.

You can choose any of those ways to find more affodable coverage, but make sure you use exactly the same coverages with every price quote. If your comparisons have unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best.

There’s no such thing as the perfect auto insurance policy

When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions could help you determine if your insurance needs could use an agent’s help.

  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I required to get a high-risk car insurance policy?
  • Does my policy cover my teen driver if they drive my company car?
  • What are the financial responsibility laws in my state?
  • Do I have coverage if my license is suspended?
  • Do I need medical payments coverage since I have good health insurance?
  • Does my insurance cover a custom paint job?
  • Does medical payments coverage apply to all occupants?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

Specifics of your auto insurance policy

Knowing the specifics of auto insurance helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive insurance

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane, a broken windshield and theft. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability coverages

Liability insurance protects you from damage that occurs to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like repair costs for stationary objects, emergency aid and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, doctor visits, dental work and pain medications. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision protection

This will pay to fix damage to your B-Class Electric Drive caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz B-Class Electric Drive.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Knowledge is power

Cost effective 2014 Mercedes-Benz B-Class Electric Drive insurance can be bought on the web as well as from insurance agents, so you should compare both to get a complete price analysis. A few companies do not provide online rate quotes and usually these smaller providers prefer to sell through local independent agents.

As you quote auto insurance, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced liability limits or collision coverage to discover at claim time that it was a big error on their part. Your goal should be to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

Throughout this article, we presented many tips how you can reduce 2014 Mercedes-Benz B-Class Electric Drive insurance rates online. It’s most important to understand that the more you quote auto insurance, the better likelihood of getting cheaper auto insurance. Consumers may even find the lowest rates are with a lesser-known regional company. These companies may cover specific market segments cheaper than the large multi-state companies such as Allstate or State Farm.

Additional insurance coverage information can be found at these links: