Compare 2016 Mercedes-Benz B-Class Electric Drive Insurance Rates

Paying cheap rates for insurance coverage may be very difficult for beginners to quoting and comparing prices online. There are so many options available that it can be a challenge to find the perfect company for you.

It’s important to get comparison quotes at least once a year because insurance coverage prices change quite often. Just because you had the lowest quotes on B-Class Electric Drive insurance on your last policy there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because you’re about to learn the tricks you need to know to find great coverage at a great price.

Informed consumers know how to buy car insurance cheaper

Many factors are taken into consideration when you quote your car insurance policy. Most are fairly basic such as your driving history, but other factors are less obvious like where you live or how safe your car is.

  • Lower rates by increasing comp and collision deductibles – Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay if you file a covered claim. Physical damage protection, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims are colliding with a stationary object, hail damage, and damage from wind. The larger the amount the insured has to pay upfront, the less your car insurance will be on B-Class Electric Drive insurance.
  • Gender is a factor – Over time, data shows that females tend to be a little less risky than males. However, don’t assume that women are better drivers. Women and men tend to get into auto accidents in similar percentages, but males tend to have higher claims. Not only that, but men also get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are most likely to cause an accident and therefore pay the highest rates.
  • Drive a safer car and pay less – Cars with high safety ratings tend to have better insurance rates. Highly rated vehicles reduce injuries and fewer injuries translates into savings for insurance companies which can mean better rates for you.
  • With age comes responsibility – Older, more experienced drivers have been proven to be more responsible, file fewer claims .Teen drivers have been known to be inattentive and easily distracted behind the wheel and because of this, their car insurance rates are much higher.

Quote insurance coverage online

The are a couple different ways to obtain and compare prices from many insurance coverage companies in your state. The simplest method to do a complete rate comparison is to get quotes online. It’s really quite simple and can be done by using one of the methods below.

Experts agree that the best way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This type of form saves time by eliminating a different quote for every company. Filling out one form gets rate comparisons from many national carriers.It’s the quickest way to get rates.

A different way to analyze rates is to manually visit each company website and complete a new quote form. For sake of this example, we’ll assume you want to see prices from Liberty Mutual, Progressive and State Farm. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which is why first method is reommended.

To view a list of companies in your area, click here.

The most difficult method to get comparison rates is to spend your day driving to different agent offices. Doing it all online reduces the need to sit down with an agent unless you have a complicated situation and need the trained advice only provided by licensed agents. Drivers can obtain prices from the web but have your policy serviced through an agent.

It doesn’t matter which method you choose, just be sure to compare identical coverage information for every quote you compare. If each company quotes mixed coverages it’s impossible to make an equal comparison. Quoting even small variations in insurance coverages may result in large price differences. And when price shopping your coverage, comparing more quotes gives you a better chance of getting lower pricing.

Save $385 a year. For real?

Car insurance providers like Allstate and Progressive consistently run ads in print and on television. They all seem to state the claim about saving some big amount if you just switch your car insurance coverage to their company. But how can every company claim to save you money?

Insurance companies have a preferred profile for the type of insured that is profitable for them. One example of this type of driver might have to be over the age of 40, has no driving citations, and has a high credit rating. A driver who fits those characteristics will most likely get cheap premium rates and as a result will probably save when switching.

Drivers who fall short of the “perfect” profile will see a more expensive rate with the end result being business going elsewhere. The trick is to say “drivers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can lure you into getting a quote. Different companies use different criteria so it is so important to quote coverage with many companies. Because you cannot predict with any certainty which company will have the lowest rates.

Insurance quotes and discounts

Some providers don’t list every disount available in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous discounts that you may qualify for. If you do not check that you are getting every discount available, you’re just leaving money on the table.

  • Claim-Free Discount – Insureds who avoid accidents and claims can save substantially compared to drivers with a long claim history.
  • Renewal Discounts – A few companies allow discounts for buying a policy before your current coverage expires. The savings is around 10%.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Good Grades Discount – A discount for being a good student may save as much as 25% on a car insurance quote. This discount can apply up to age 25.
  • Homeowners Savings – Just being a homeowner may trigger a policy discount on insurance because it means you have a higher level of financial diligence.
  • Driver Education Discount – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
  • E-sign Discounts – A few larger online companies give back up to $50 for signing up on the internet.
  • Memberships – Being a member of certain professional organizations is a simple method to lower premiums on your policy.

As is typical with insurance, most credits do not apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, you’re out of luck.

Large insurance companies and some of the discounts are shown below.

  • Mercury Insurance discounts include professional/association, accident-free, age of vehicle, annual mileage, multi-policy, and multi-car.
  • Farmers Insurance offers premium reductions for alternative fuel, multi-car, good student, mature driver, business and professional, bundle discounts, and pay in full.
  • Farm Bureau has savings for driver training, safe driver, multi-policy, renewal discount, multi-vehicle, 55 and retired, and youthful driver.
  • State Farm has discounts for passive restraint, anti-theft, accident-free, good student, and defensive driving training.
  • Allstate policyholders can earn discounts including good payer, teenSMART discount, anti-lock brakes, passive restraint, farm vehicle, and utility vehicle.
  • GEICO includes discounts for daytime running lights, defensive driver, anti-lock brakes, membership and employees, driver training, and federal employee.

If you want cheap car insurance quotes, ask each company what discounts are available to you. Some discounts may not apply in your area. If you would like to choose from a list of insurance companies that offer discounts, follow this link.

Situations that may require an agent’s advice

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

  • When should I not file a claim?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does medical payments coverage apply to all occupants?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Do I need added coverage for expensive stereo equipment?
  • Am I covered by my spouse’s policy after a separation?
  • Is rental equipment covered for theft or damage?
  • At what point should I drop full coverage?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form.

The coverage is in the details

Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like dental work, EMT expenses, doctor visits and nursing services. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – Collision insurance pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, backing into a parked car, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Auto liability – Liability coverage will cover damage or injury you incur to a person or their property in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: 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 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like bail bonds, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz B-Class Electric Drive.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, fire damage and hitting a deer. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Shop. Compare. Save.

Some companies may not offer the ability to get a quote online and these regional carriers provide coverage only through independent insurance agencies. More affordable car insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates.

Insureds who switch companies do it for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, delays in responding to claim requests and an unsatisfactory settlement offer. No matter why you want to switch, finding the right car insurance provider is not as hard as you think.

You just read some good ideas how you can compare 2016 Mercedes-Benz B-Class Electric Drive insurance rates online. It’s most important to understand that the more you quote car insurance, the better likelihood of getting low cost car insurance. Consumers could even find that the biggest savings come from some of the lesser-known companies.

More articles

Comments About 2016 Mercedes-Benz B-Class Electric Drive Insurance

  1. Kristine Ayers

    In Concord, NH, 21st Century auto insurance rates for my 2016 Mercedes-Benz B-Class Electric Drive were good. God forbid I actually have a claim.

  2. Elke Small

    Cheap is relative. I live just outside Tulsa, OK. Quoted a bunch of companies. Saved roughly $50 a month. GEICO was the cheapest for me. Was with 21st Century. Hopefully won’t need it. Not sure if rates are cheaper online or not.

  3. Roslyn Huber

    I’m from Jacksonville, FL. Quoted rates from Sentry, Erie, 21st Century, and Auto-Owners for my Mercedes-Benz and I’m now saving $22 a month. Not sure if rates are cheaper online or through an agent.

  4. Albertha Bush

    Mine is so expensive. I’m just east of Baton Rouge, LA. Not sure of all the companies but I ended up saving about $30 each month. I even had a DUI years ago. Just waiting to see how claims go.

  5. Concha Wilkinson

    For me, 21st Century was by far the cheapest in Lincoln, NE.

  6. Daryl Price

    Lots of useful info here. I’m from Cleveland, OH. Got prices from State Farm, AAA, and some I forget for my Mercedes-Benz and cut my rates about $380 a year. I have several vehicles insured with them.

  7. Margherita Cabrera

    If you have a clean record and live near San Diego, CA, check out Allstate. They seem to be cheaper. Insured with Liberty Mutual before. Have an at-fault accident tho.

  8. Charolette Guthrie

    I’m in the west part of Lincoln, Nebraska. Quoted prices from Allstate, Eastwood, and GMAC for my B-Class Electric Drive and I think I am saving around $70 each month. Left Safeco to switch. I get lower rates because of my clean driving record.

  9. Gudrun Preston

    I live east of Charlotte, NC. Got car insurance quotes from American Family, Safeco, and some smaller one I can’t remember the name of for my Mercedes-Benz and I think I saved around $40 each month.

  10. Jaime Doyle

    I live on the south side of Huntington, West Virginia. I quoted with GEICO, Amica, Erie, and The General for my B-Class Electric Drive and am saving around $420 a year.