2014 Mercedes-Benz B-Class Electric Drive Insurance Rates – 8 Ways to Save

Buyers have a choice when searching for affordable Mercedes-Benz B-Class Electric Drive insurance. They can either waste time driving around getting price quotes or use the internet to find the lowest rates. There are both good and bad ways to find insurance online so we’re going to tell you the absolute fastest way to compare rates for your Mercedes-Benz and find the best price possible either online or from local insurance agents.

It’s a good habit to check insurance prices periodically since insurance rates tend to go up over time. Just because you found the best deal on B-Class Electric Drive insurance a few years ago there is a good chance you can find better rates now. Don’t believe everything you read about insurance on the web, but with this article, you’re going to get a lot of great tips on how to save money.

Don’t pay full price with these eight discounts

Auto insurance companies do not advertise every available discount very clearly, so we break down some of the more common and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you are paying more than you should be.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.
  • Multi-car Discount – Insuring more than one vehicle on one policy may reduce the rate for each vehicle.
  • Discount for New Cars – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • No Charge for an Accident – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims prior to the accident.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates on B-Class Electric Drive insurance than drivers with accident claims.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts could cut 10% or more off the personal injury premium cost.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.

It’s important to understand that most of the big mark downs will not be given to the entire cost. Most only cut the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance companies with discount car insurance rates, follow this link.

The most recommended method to compare insurance rates in your area is to know the fact all the major auto insurance companies pay for the opportunity to provide you with free rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as if you are currently licensed, if it has an anti-theft system, daily mileage, and whether the vehicles are used for commuting. That rating data is then sent to multiple different insurance companies and you will get price comparisons instantly to find the best rate.

To find lower rates now, click here and enter your zip code.

Your personal situation dictates your coverage

When choosing adequate coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your insurance needs might need an agent’s assistance.

  • Am I covered by my spouse’s policy after a separation?
  • What are the best liability limits?
  • Is pleasure use cheaper than using my 2014 Mercedes-Benz B-Class Electric Drive to commute?
  • Is rental equipment covered for theft or damage?
  • What if I owe more than I can insure my car for?
  • How high should deductibles be on a 2014 Mercedes-Benz B-Class Electric Drive?
  • Should I get collision insurance on every vehicle?

If you can’t answer these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Car insurance 101

Having a good grasp of your insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as rehabilitation expenses, X-ray expenses, surgery and hospital visits. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage – This coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mercedes-Benz B-Class Electric Drive.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Collision coverage – This coverage pays for damage to your B-Class Electric Drive resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, rolling your car, backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability car insurance – Liability coverage can cover damage or injury you incur to other people or property in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income and legal defense fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, rock chips in glass, a tree branch falling on your vehicle and hail damage. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

One last thing

The cheapest 2014 Mercedes-Benz B-Class Electric Drive insurance can be found both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

We just showed you a lot of ways to compare insurance prices online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from an unexpected company.

Drivers leave their current company for a number of reasons such as questionable increases in premium, denial of a claim, being labeled a high risk driver and poor customer service. Regardless of your reason for switching companies, finding a new auto insurance company is easier than you think.

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