View 2016 Mercedes-Benz B-Class Electric Drive Car Insurance Cost

Buying the cheapest insurance may at first seem to be somewhat difficult for shopping for insurance on the internet. With so many agents and companies competing online, how are drivers expected to even start to compare every company in order to find better insurance prices?

It’s a good habit to compare premium rates before your next renewal because prices tend to go up over time. Even if you think you had the lowest rates on B-Class Electric Drive coverage on your last policy other companies may now be cheaper. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to use the internet to find great coverage at a great price.

If you currently have car insurance, you should be able to save some money using these methods. Locating cheaper protection is easy if you know what you’re doing. But consumers must understand how big insurance companies price online insurance and take advantage of how the system works.

Verify you’re applying every discount

Auto insurance companies do not list the complete list of policy discounts in an easy-to-find place, so the list below details a few of the more common in addition to some of the lesser obvious savings tricks you should be using when you buy insurance online.

• Driver’s Ed – Cut your cost by having your teen driver sucessfully take a drivers education course if offered at their school.
• Early Renewal Discounts – Select larger companies give a discount for signing up prior to the expiration date on your current policy. This can save 10% or more.
• Discount for Good Grades – Maintaining excellent grades may save as much as 25% on a insurance quote. You can use this discount normally up to age 25.
• Onboard Data Collection – Insureds who allow their company to analyze driving manner by using a small device installed in their vehicle such as Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Discount for Multiple Policies – If you combine your home and auto policies and insure them with the same company you will save at least 10 to 15 percent or more.
• Safety Restraint Discount – Requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
• Air Bags and Passive Restraints – Factory air bags and/or automatic seat belt systems may get savings of 20% or more.

As a footnote on discounts, most discounts do not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, insurance coverage companies aren’t that generous. But any discount will help lower the cost of your policy.

Large insurance coverage companies and some of the discounts are included below.

• State Farm offers discounts including defensive driving training, multiple autos, good driver, good student, and anti-theft.
• American Family has discounts for good driver, multi-vehicle, defensive driver, air bags, and good student.
• Geico includes discounts for air bags, anti-theft, membership and employees, military active duty, and anti-lock brakes.
• 21st Century may offer discounts for homeowners, defensive driver, good student, theft prevention, and driver training.
• Progressive offers discounts for homeowner, online quote discount, multi-vehicle, continuous coverage, multi-policy, and good student.

When getting free insurance quotes, it’s a good idea to all the companies which discounts they offer. Discounts might not apply in your area. To choose insurance coverage companies that offer some of these discounts, click here to view.

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How to find cheap insurance

When looking for cheaper insurance quotes, there are a couple ways to get quotes from insurance companies in your area. The quickest method to do a complete rate comparison is to jump online and get quotes. This can be accomplished in just a few minutes using one of these methods.

1. The recommended way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for repetitive form submissions to each individual insurance company. One form submission gets insurance cost estimates direct from many companies. It’s the fastest way to compare.
2. A less efficient way to compare rate quotes consists of visiting each company’s website and fill out a new quote form. For instance, let’s say you want rates from Allstate, State Farm and Travelers. In order to get each rate, you would have to go to each individual site and enter your information, which can get old fast.

   For a list of links to companies insuring cars in your area, click here.

3. The final way to price shop rates is to spend time driving to all the different insurance agencies. Quoting online has made agencies unnecessary unless you have a complicated situation and need the trained advice that can only be provided by a licensed insurance agent. Drivers can get the lowest quotes online but purchase the actual policy in an agency.

Which method you use is up to you, but make sure you compare apples-to-apples coverage limits and deductibles for every company. If you use different deductibles it’s not possible to determine which company has the best rates. Just slight variations in coverage limits may cause a big price difference. Just keep in mind that quoting more will enable you to find the best price.

When should I discuss my situation with an agent?

When buying coverage, there is no “best” method to buy coverage. Each situation is unique.

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

• Can my teen drive my company car?
• Why am I required to buy high-risk coverage?
• Can I afford to pay high deductible claims out of pocket?
• Do I benefit by insuring my home with the same company?
• How much liability insurance is required?
• Are rental cars covered under my policy?
• Are all vehicle passengers covered by medical payments coverage?
• Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverages 101

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive protection

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from flooding, theft, damage from a tornado or hurricane and hail damage. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as funeral costs, X-ray expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Liability coverage

This coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims like pain and suffering, emergency aid, funeral expenses, bail bonds and legal defense fees. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Auto collision coverage

Collision coverage covers damage to your B-Class Electric Drive from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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One last thing about your coverage

You just learned a lot of ways to lower your 2016 Mercedes-Benz B-Class Electric Drive insurance prices. The key concept to understand is the more providers you compare, the better chance you’ll have of finding inexpensive insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies.

Low-cost 2016 Mercedes-Benz B-Class Electric Drive insurance can be bought from both online companies in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not offer rate quotes online and many times these smaller providers only sell coverage through independent agencies.

Consumers change insurance companies for many reasons like extreme rates for teen drivers, being labeled a high risk driver, policy cancellation or delays in responding to claim requests. Regardless of your reason, choosing a new company is actually quite simple.

Additional resources

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Choosing an Insurance Company (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• What if I Can’t Find Coverage? (Insurance Information Insitute)

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