Searching for cheaper insurance for a Mercedes-Benz B200 can turn out to be an all-consuming task, but you can follow our car insurance buying tips and make it easy. There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to quote coverages for your Mercedes-Benz and get the cheapest rates.
It’s a good idea to do rate comparisons periodically because insurance rates fluctuate regularly. If you had the best price for B200 insurance on your last policy you can probably find a lower rate today. There is too much inaccurate information about car insurance online, so with this article, you’re going to get some tested techniques to buy car insurance cheaper.
Choosing the best insurance company for you is not that difficult. If you are insured now or are just looking to switch companies, you can use these techniques to cut your premiums and possibly find even better coverage. Consumers only need to know how to get comparison quotes on the web.
These discounts can lower your rates
Car insurance companies don’t list all their discounts very clearly, so here is a list some of the more common and the harder-to-find savings tricks you should be using. If you’re not getting every credit you deserve, you’re paying more than you need to.
- Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
- Life Insurance – Larger companies have better rates if you take out life insurance.
- Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less for B200 insurance than drivers with accident claims.
- Drivers Ed for Students – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
- Government Employees – Active or retired federal employment could cut as much as 10% off for B200 insurance depending on your company.
- Drive Less and Save – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
- Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
- Resident Student – Children who live away from home without a vehicle on campus may be able to be covered for less.
- Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
- Defensive Driving Course – Taking a driver safety course could cut 5% off your bill and easily recoup the cost of the course.
It’s important to note that most discount credits are not given to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you won’t be that lucky.
To see a list of companies who offer car insurance discounts, click here to view.
Can’t I compare rates from local agents?
Some consumers prefer to sit down with an agent and there is nothing wrong with that. Agents can point out coverage gaps and help submit paperwork. The best thing about comparing insurance prices online is the fact that you can find lower rates and still choose a local agent.
To find an agent, once you fill out this quick form, your insurance coverage information is instantly submitted to local insurance agents who will compete to get your business. You don’t have to visit any agencies because quoted prices will be sent to the email address you provide. Now that’s easy!
Selecting an insurer should depend on more than just the bottom line cost. Here are some questions to ask:
- Which insurance companies are they affiliated with?
- Will your rates increase after a single accident?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Does the agency provide any after hours assistance?
- How often do they review policy coverages?
Captive and independent car insurance agents
When looking for an insurance agent, you must know there are a couple different agency structures to choose from. agents are categorized either captive or independent. Both types can properly insure your vehicles, but it’s worth learning the difference between them because it can influence the selection process.
Captive Insurance Agents
Captive agents write business for a single company and examples are State Farm, AAA and Liberty Mutual. They are unable to shop your coverage around so they are skilled at selling on more than just price. These agents are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers sometimes buy insurance from these agents primarily because of the prominence of the brand and strong financial ratings.
Independent Agents (or Brokers)
Independent agencies are not required to write business for one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can switch companies without you having to go to a different agency. When comparing rates, you should always include at a minimum one independent agency for maximum quote selection.Many can place coverage with lesser-known insurance companies which can be an advantage.
To view a full list of insurance agents, click here.
Upon receiving acceptable answers as well as a affordable price, you’ve probably found an insurance agency that will provide car insurance coverage.
More quotes mean more savings
In this article, we presented a lot of ways to shop for Mercedes-Benz B200 insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a company that doesn’t do a lot of advertising.
When you buy insurance online, never buy poor coverage just to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price while not skimping on critical coverages.
Low-cost Mercedes-Benz B200 insurance is definitely available from both online companies in addition to many insurance agents, so compare prices from both to have the best rate selection. Some car insurance companies do not provide online quoting and these small insurance companies work with independent agents.
