2015 Mercedes-Benz B-Class Electric Drive Insurance Rates
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UPDATED: Nov 23, 2017
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Consumers not familiar with comparing rates online might discover buying low-cost insurance coverage is not as easy as it seems.
Discounts mean cheaper Mercedes-Benz B-Class Electric Drive insurance rates
Companies offering auto insurance don’t always list every discount in an easy-to-find place, so we researched some of the more common and the more hidden ways to save on insurance.
- Life Insurance – Larger companies have a discount if you purchase life insurance from them.
- Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
- One Accident Forgiven – A handful of insurance companies will allow you to have one accident before raising your premiums as long as you don’t have any claims for a set time period.
- Drive Less and Save – Keeping the miles down on your Mercedes-Benz can earn a substantially lower rate.
- Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
- Club Memberships – Belonging to a professional or civic organization could trigger savings when buying insurance on B-Class Electric Drive coverage.
It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies don’t profit that way.
To see a list of insurers with discount insurance rates, click here.
Compare Car Insurance Costs
Most companies like 21st Century, Allstate and State Farm give coverage price quotes online. Getting online rates is quite simple as you just type in the coverages you want as detailed in the form. After you submit the form their system automatically retrieves your credit score and driving record and returns pricing information.
Being able to quote online simplifies rate comparisons, but the work required to visit multiple sites and enter the same data into a form gets old quite quickly. But it’s very important to get many rate quotes if you are searching for better prices.
There is an easier way!
The smarter way to locate the lowest prices uses one form that gets prices from many companies. This type of form saves time, requires less work, and makes quoting online much simpler. Immediately after you send the form, it is quoted with multiple companies and you can pick your choice of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the policy. The entire process only takes a few minutes and can result in significant savings.
To compare rates now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you enter your coverages identical to your current policy. Doing this guarantees you will get an apples-to-apples comparison using the same coverage and limits.
Tailor your coverage to you
When it comes to buying the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.
For instance, these questions could help you determine whether your personal situation may require specific advice.
- If I drive on a suspended license am I covered?
- What discounts do I qualify for?
- Do I have coverage for damage caused while driving under the influence?
- What is the minimum liability in my state?
- Is my camper covered by my car insurance policy?
- Do I need higher collision deductibles?
- Can I make deliveries for my home business?
- Is upholstery damage covered by car insurance?
- What is no-fault insurance?
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.
Coverages available on your policy
Having a good grasp of auto insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz B-Class Electric Drive.
Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.
Liability – Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.
Liability can pay for claims like repair costs for stationary objects, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.
Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like rehabilitation expenses, EMT expenses, nursing services, pain medications and prosthetic devices. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Collision coverage – Collision coverage will pay to fix damage to your B-Class Electric Drive from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims like colliding with a tree, sideswiping another vehicle, rolling your car, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
Comprehensive coverages – This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things like hitting a bird, a tree branch falling on your vehicle, damage from getting keyed, rock chips in glass and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
Save your cold hard cash
Consumers change insurance companies for many reasons like extreme rates for teen drivers, lack of trust in their agent, unfair underwriting practices or denial of a claim. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.
We just showed you a lot of information how to shop for 2015 Mercedes-Benz B-Class Electric Drive insurance online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest rates come from an unexpected company.
Cheaper insurance is attainable online and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.
More detailed insurance information can be read in the articles below:
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