Compare 2014 Mercedes-Benz B-Class Electric Drive Insurance Cost

Think you have an expensive insurance coverage policy? Believe me, there are many people just like you. There is such a variety of insurers to choose from, and though it is a good thing to have a choice, more options can take longer to find the best rates.

Consumers should take time to shop coverage around as often as possible because prices change quite often. Even if you think you had the lowest price on B-Class Electric Drive insurance on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because it’s time to teach you how to use online quotes to save money, get proper coverage and the best rates.

This article will familiarize you with how to get online quotes and some tips to save money. If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Consumers just need to understand the most efficient way to find the lowest price on the web.

Insurance discounts help reduce rates

Insurance is neither fun to buy or cheap, but you may qualify for discounts to help offset the cost. Some of these disounts will be visible when you purchase, but once in a while a discount must be specifically requested before being credited.

• Senior Citizens – Drivers over the age of 55 may receive reduced rates on B-Class Electric Drive insurance.
• Defensive Driver – Passing a driver safety course could cut 5% off your bill and also improve your driving technique.
• Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and the ABS can save up to 10%.
• Discount for Low Mileage – Driving less can qualify you for cheaper insurancerates.
• Paper-free Discount – A few larger online companies will give a small break for completing your application on the web.
• Government Employee Discount – Employees or retirees of the government can save as much as 8% on B-Class Electric Drive insurance depending on your company.
• Professional Organizations – Participating in qualifying employment or professional organizations is a good way to get lower rates on your next renewal.
• Lower Rates for Military – Having a family member in the military could trigger a small discount.

As a footnote on discounts, most discount credits are not given to the entire cost. Most only apply to individual premiums such as comp or med pay. If you do the math and it seems like you can get free auto insurance, company stockholders wouldn’t be very happy.

Car insurance companies that possibly offer most of the discounts above include:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

If you want low cost auto insurance quotes, ask each insurance company how many discounts you can get. Some discounts listed above might not be offered on policies in your state. If you would like to choose from a list of insurance companies that offer some of these discounts, click this link.

Which is the best insurance coverage?

When choosing the right insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

• What can I do if my company won’t pay a claim?
• Can I rate high risk drivers on liability-only vehicles?
• Can my babysitter drive my car?
• Is my teenager covered with friends in the car?
• When should I drop full coverage on my 2014 Mercedes-Benz B-Class Electric Drive?
• Which companies will insure high-risk drivers?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Well known brands might not be cheapest

Drivers can’t avoid all the ads for insurance coverage savings from companies such as State Farm, Allstate and Geico. They all have a common claim that people will save if you just switch your insurance coverage coverage to their company.

How does every company have lower policy pricing?

Different companies have an ideal profile for the driver that is profitable for them. One example of a profitable insured could possibly be between the ages of 30 and 45, has no claims, and drives less than 5,000 miles a year. Any customer who fits that profile will qualify for the lowest premium rates and as a result will probably save a lot of money.

Insureds who fall outside these standards will probably have to pay a higher premium which translates to the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” not “all people who quote” can get the lowest rates when switching. That’s why insurance companies can lure you into getting a quote.

Because of this risk profiling, drivers must get as many free auto insurance quotes as possible. It’s impossible to know which insurance companies will give you lower rates than your current company.

Insurance coverage breakdown

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverage types found on most insurance policies.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like driving through your garage door, hitting a parking meter and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Mercedes-Benz B-Class Electric Drive.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Med pay and PIP coverage pay for expenses such as funeral costs, prosthetic devices, rehabilitation expenses, chiropractic care and EMT expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, rock chips in glass, damage from flooding, a tree branch falling on your vehicle and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, legal defense fees, attorney fees and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Never pay more for less

We covered some good ideas how to shop for 2014 Mercedes-Benz B-Class Electric Drive insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest priced insurance comes from an unexpected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

Budget-conscious 2014 Mercedes-Benz B-Class Electric Drive insurance is definitely available both online and with local insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not offer online rate quotes and most of the time these regional carriers prefer to sell through local independent agents.

To read more, link through to the following helpful articles:

• Crash Avoidance Technologies FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Understanding your Policy (NAIC.org)