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

Trying to find lower car insurance rates? Buyers have a choice when searching for low-cost Mercedes-Benz B-Class Electric Drive insurance. They can either spend hours calling around to compare prices or use the internet to find the lowest rates.

There are both good and bad ways to compare car insurance rates so we’re going to tell you the proper way to compare rates for your Mercedes-Benz and find the lowest price either online or from local insurance agents.

It’s a great practice to compare prices once or twice a year since insurance rates fluctuate regularly. Even if you think you had the lowest price on B-Class Electric Drive insurance a couple years back you may be paying too much now. There is a lot of bad advice regarding car insurance on the web, but by reading this article, you’re going to learn some of the best ways to save money.

Policy discounts you shouldn’t miss

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied when you get a quote, but less common discounts must be asked about before being credited. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Accident Waiver – Some insurance companies allow you one accident without raising rates if you are claim-free for a certain period of time.
  • Life Insurance – Companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Sign Online – Some insurance companies will give a small break simply for signing digitally online.
  • Good Students Pay Less – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.
  • Driver Safety – Completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Military Discounts – Having a deployed family member could be rewarded with lower premiums.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better auto insurance rates on B-Class Electric Drive insurance.

It’s important to note that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

Car insurance companies that may offer these benefits may include but are not limited to:

Double check with every prospective company what discounts are available to you. Some discounts might not be offered everywhere.

Insurance agents can help

When choosing proper insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help you determine whether or not you might need professional guidance.

  • How can I force my company to pay a claim?
  • Do I pay less for low miles?
  • What is no-fault insurance?
  • When can my company non-renew my policy?
  • What companies insure drivers after a DUI or DWI?
  • Which companies will insure high-risk drivers?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • How do I insure my teen driver?
  • Is a fancy paint job covered?
  • Is there coverage for injuries to my pets?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Do drivers who switch really save?

Consumers can’t ignore all the ads for the lowest price auto insurance from companies such as State Farm, Allstate and Geico. They all have a common claim that you can save if you switch your policy.

But how can every company claim to save you money? This is how they do it.

All companies can use profiling for the right customer they prefer to insure. For instance, a driver they prefer could possibly be between 25 and 40, owns a home, and drives less than 10,000 miles a year. Any driver who matches those parameters is entitled to the best price and as a result will probably save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s why insurance companies can confidently make those claims.

Because of the profiling, drivers must compare many company’s rates. You cannot predict which insurance companies will provide you with the cheapest Mercedes-Benz B-Class Electric Drive insurance rates.

Insurance policy coverages for a Mercedes-Benz B-Class Electric Drive

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers 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 is important protection for you and your family. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage protection

Collision coverage pays for damage to your B-Class Electric Drive resulting from a collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as crashing into a building, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

This protects you from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others. Liability doesn’t cover 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. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like structural damage, loss of income and medical services. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

Comprehensive coverage

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as theft, hitting a bird and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like funeral costs, ambulance fees, rehabilitation expenses, X-ray expenses and nursing services. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Quote more, save more

Cheap 2015 Mercedes-Benz B-Class Electric Drive insurance can be found online in addition to many insurance agents, so you should compare both to have the best rate selection. There are still a few companies who do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We just covered many ideas to shop for insurance online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with some of the lesser-known companies.

Drivers switch companies for a variety of reasons including high prices, being labeled a high risk driver, delays in paying claims and lack of trust in their agent. Whatever your reason, choosing a new insurance company is less work than it seems.

More detailed car insurance information is available in the articles below: