How Much Does 2016 Mercedes-Benz B-Class Electric Drive Insurance Cost?

Want cheaper insurance rates for your Mercedes-Benz B-Class Electric Drive? Car insurance shoppers not familiar with comparing insurance quotes on the internet can find buying affordable insurance is harder than it needs to be.

It’s a good habit to compare premium rates before your policy renews due to the fact that insurance prices are usually higher with each renewal. Even if you think you had the best deal for B-Class Electric Drive coverage two years ago you can probably find a better rate now. Forget all the misinformation about insurance because it’s time to teach you one of the easiest ways to save on insurance.

The easiest way to compare rate quotes takes advantage of the fact most insurance companies allow for online access to give you rate quotes. To get started, all you need to do is give them rating details like the ages of drivers, how much education you have, types of safety features, and how much you drive. Your rating data is automatically sent to multiple top-rated companies and you should receive rate quotes very quickly.

Earn discounts to get lower-cost auto insurance quotes

Auto insurance companies don’t necessarily list the entire discount list in a way that’s easy to find, so the following is a list of some of the best known and also the lesser-known discounts that may be available. If you do not double check each discount you deserve, you are throwing money away.

  • Good Student – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Claim-Free Discount – Good drivers with no accidents have much lower rates as compared to accident-prone drivers.
  • Defensive Driving Course – Participating in a course in defensive driving could possibly earn you a 5% discount if you qualify.
  • Savings for New Vehicles – Buying a new car model may earn a small discount since newer models are generally safer.
  • Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
  • Discount for Home Ownership – Just being a homeowner can earn you a little savings because it is proof of financial responsibility.
  • Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.
  • Low Mileage – Low annual miles can earn better premium rates on cars that stay parked.
  • Student Discount for Driver Training – Teen drivers should successfully complete driver’s ed class in school or through a local driver safety program.

One thing to note about discounts is that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, companies don’t profit that way.

Some of the larger companies that may offer quotes with some of the discounts shown above include:

If you need lower rates, check with all the companies which credits you are entitled to. All car insurance discounts may not apply in every state.

Tailor your auto insurance coverage to you

When it comes to buying the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight whether or not you might need professional guidance.

  • Does insurance cover damages from a DUI accident?
  • Does my insurance cover my expensive audio equipment?
  • What can I do if my company denied a claim?
  • Am I covered if I drive in a foreign country?
  • Are rock chip repairs covered?
  • Can I still get insurance after a DUI?

If you’re not sure about those questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Smart buyers know how to quote car insurance more affordably

Many things are used in the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, although others are not quite as obvious like your vehicle usage or your vehicle rating.One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that help calculate the price you pay for car insurance. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that may result in much lower annual insurance costs.

  • Older drivers save more – Older, more experienced drivers have been proven to be more responsible, tend to file fewer claims and get fewer tickets.Drivers with little experience have a tendency to be more careless when driving with friends so car insurance rates are higher.
  • Safer vehicles are cheaper to insure – Vehicles with high crash test scores get lower rates. Highly rated vehicles reduce injuries and fewer serious injuries means lower claim amounts and lower rates for you.
  • Do you know your coverage deductibles? – Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your vehicle. Some instances where coverage would apply are a dented fender, collision with an animal, and rolling your vehicle. The deductibles you choose define how much you are willing to pay if the claim is covered. The more damage repair cost you choose to pay out-of-pocket, the less your company will charge you for insurance for B-Class Electric Drive coverage.
  • Gender matters – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that males are worse at driving than females. Women and men are responsible for at-fault accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also get ticketed for serious violations like driving under the influence (DUI).
  • Deter theft and pay less – Buying a car with an alarm system can get you a discount on your car insurance. Theft deterrent systems like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft and help lower rates.
  • Bad credit hurts insurance costs – Having a bad credit score can be a huge factor in your rate calculation. If your credit score can use some improvement, you could pay less to insure your 2016 Mercedes-Benz B-Class Electric Drive if you improve your credit rating. Insureds that have excellent credit scores tend to be better risks to insure than those with poor credit.
  • Use one insurance company and save – Most major insurance companies will give a discount to people who buy several policies from them in the form of a multi-policy discount. This can amount to 10 percent or more. Even if you qualify for this discount already, it’s in your best interest to shop around to verify if the discount is saving money.
  • Certain vocations raise rates – Do you have a high-stress occupation? Jobs like military personnel, business owners and dentists have higher rates than the rest of us in part from intense work requirements and long work days. On the flip side, occupations such as actors, historians and the unemployed have lower than average premiums for B-Class Electric Drive coverage.

Save $388 a year. For real?

Respected companies like Allstate, GEICO and Progressive endlessly run ads on television and other media. They all try to convey promises that you’ll save big just by switching your auto insurance policy to them. How is it plausible that every one can claim to save you money? It’s all in how they say it.

Auto insurance companies quote their cheapest rates for the type of driver they prefer to insure. An example of a desirable insured might have to be a female over age 40, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote that fits those parameters may get the lowest prices and will most likely cut their rates substantially.

People who fall short of these stringent criteria may be forced to pay higher premiums and ends up with business not being written. The wording the ads use say “people who switch” but not “everyone who gets a quote” save that kind of money. That is how companies can lure you into getting a quote. Because of the profiling, you should quote coverage with many companies. It is impossible to guess which auto insurance company will have the best prices at this point in time.

Auto insurance coverages

Having a good grasp of auto insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring.

Coverage for liability

This coverage provides protection from damage that occurs to a person or their property. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, medical services, repair costs for stationary objects, attorney fees and legal defense fees. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Collision insurance

This will pay to fix damage to your B-Class Electric Drive from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like driving through your garage door, colliding with a tree, colliding with another moving vehicle, hitting a mailbox and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

This gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as a broken windshield, hitting a bird, falling objects and theft. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as X-ray expenses, rehabilitation expenses and hospital visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Have the Midas touch

We’ve covered many ways to shop for 2016 Mercedes-Benz B-Class Electric Drive insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers could even find that the lowest premium rates come from a smaller regional carrier.

Drivers who switch companies do it for many reasons like policy cancellation, not issuing a premium refund, delays in responding to claim requests or even unfair underwriting practices. It doesn’t matter what your reason, switching car insurance companies can be easy and end up saving you some money.

When shopping online for car insurance, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where an insured dropped full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the lowest possible cost while not skimping on critical coverages.

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