2015 Mercedes-Benz B-Class Electric Drive Car Insurance Rates

Looking for better car insurance rates for your Mercedes-Benz B-Class Electric Drive? Paying for high-priced Mercedes-Benz B-Class Electric Drive insurance can empty your bank account and make it impossible to make ends meet. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances.

Many auto insurance companies compete to insure your vehicles, and it can be difficult to compare rates and get the definite best price available.

Don’t overlook these insurance discounts

Car insurance can cost a lot, but there could be available discounts that may help make it more affordable. Many of these discounts will be applied automatically when you purchase, but some may not be applied and must be asked about in order for you to get them. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

  • Telematics Data – Policyholders that allow driving data collection to monitor when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm might see lower rates as long as they are good drivers.
  • Anti-lock Brakes – Vehicles that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Safe Driver Discount – Accident-free drivers may receive a discount up to 45% on B-Class Electric Drive insurance than drivers with accidents.
  • Discount for Multiple Policies – When you combine your auto and home insurance with the same company you will save at least 10% off all policies.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft so companies will give you a small discount.
  • Homeowners Savings – Owning a house can save you money because maintaining a house shows financial diligence.
  • Resident Student – Older children who live away from home to go to college and don’t have a car can receive lower rates.
  • Life Insurance Discount – Select insurance companies reward you with a discounted price on car insurance if you buy life insurance from them.
  • Claim Free – Insureds who avoid accidents and claims can save substantially as compared to accident-prone drivers.
  • First Accident Forgiveness – This one is not really a discount per se, but certain companies permit an accident without raising rates with the catch being you have to be claim-free for a specific time period.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. But all discounts will definitely lower the cost of your policy.

A few popular companies and a selection of discounts include:

  • Farmers Insurance offers discounts including multi-car, youthful driver, homeowner, alternative fuel, and early shopping.
  • State Farm offers premium reductions for multiple autos, good student, Drive Safe & Save, anti-theft, and accident-free.
  • Liberty Mutual may include discounts for multi-car, newly married, multi-policy, preferred payment discount, hybrid vehicle, and exclusive group savings.
  • MetLife may offer discounts for multi-policy, accident-free, good student, good driver, defensive driver, claim-free
  • Progressive policyholders can earn discounts including homeowner, continuous coverage, good student, online signing, online quote discount, and multi-policy.

Check with each company how many discounts you can get. Discounts might not be offered in your area. To see insurance companies with discount insurance rates, follow this link.

First Step: Get free insurance quotes

There are multiple methods you can shop for insurance but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use online quotes to quickly compare rates.

All the larger companies participate in an industry program that allows shoppers to submit one quote, and each participating company can provide price quotes based on that information. This system prevents you from having to do quote requests for each company you want a rate for.

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One minor caviat to using this type of system is you can’t choose which providers you want pricing from. If you prefer to choose from a list of companies to compare prices, we have assembled a list of insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just make absolute certain that you use exactly the same quote data for each comparison quote. If you are comparing different limits and deductibles on each one it’s not possible to find the best deal for your Mercedes-Benz B-Class Electric Drive. Just a small difference in coverages can result in a big premium difference. Keep in mind that having more price comparisons gives you a better chance of getting a better price. Not every company allows you to get rate quotes online, so it’s important to also get prices from them, too.

When to get professional advice

When buying the right insurance coverage, there is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For instance, these questions might point out if you would benefit from professional advice.

  • Am I better off with higher deductibles on my 2015 Mercedes-Benz B-Class Electric Drive?
  • Am I covered when using my vehicle for business?
  • Who is covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • Does insurance cover damages from a DUI accident?
  • Does coverage extend to a rental car in a foreign country?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage considerations

Understanding the coverages of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on most car insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants and damage to your Mercedes-Benz B-Class Electric Drive.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for expenses for dental work, ambulance fees, X-ray expenses and chiropractic care. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Auto collision coverage

Collision coverage pays for damage to your B-Class Electric Drive resulting from a collision 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 such as sustaining damage from a pot hole, colliding with a tree, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers 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 such as damage from a tornado or hurricane, fire damage, falling objects, damage from getting keyed and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages

Liability coverage can cover damage or injury you incur to other people or property that is your fault. This coverage 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 per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses, structural damage and medical services. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

More comparisons equals lower rates

When searching for the cheapest car insurance quotes, make sure you don’t skimp on coverage in order to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage at the best price and still be able to protect your assets.

We’ve covered a lot of techniques to shop for 2015 Mercedes-Benz B-Class Electric Drive insurance online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest premium rates are with a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower prices compared to the large companies like Allstate or State Farm.

A few companies may not provide the ability to get quotes online and these small, regional companies prefer to sell through local independent agencies. Low-cost 2015 Mercedes-Benz B-Class Electric Drive insurance can be purchased from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money.

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