Are Your Mercedes-Benz B200 Auto Insurance Rates Draining Your Savings?

Are Your Mercedes-Benz B200 Auto Insurance Rates Draining Your Savings?

Consumers have lots of choices when looking for the lowest priced Mercedes-Benz B200 insurance. They can either waste time struggling with agents getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to compare auto insurance rates so you’re going to learn the best way to get price quotes for a new or used Mercedes-Benz and locate the best price possible either online or from local insurance agents.

It’s smart to shop coverage around as often as possible because rates are adjusted regularly by insurance companies. Just because you had the lowest premium rates for B200 coverage at your last renewal there is a good chance you can find better prices now. There is a lot of wrong information about auto insurance out there, but we’re going to give you the easiest ways to lower your auto insurance bill.

Choosing the best insurance company for you is not rocket science. If you have car insurance now, you will be able to save some money using these methods. Although car owners must learn the way insurance companies price online insurance and take advantage of how the system works.

When shopping for auto insurance there are multiple ways to get quotes from different companies. The simplest method to comparison shop is to jump online and get quotes. This can be accomplished in a couple of different ways.

  1. The first (and easiest) way to find low rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quote forms for every company. Completing one form will get you price quotes from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A different way to analyze rates consists of visiting each company website and complete a new quote form. For sake of this example, we’ll pretend you want to compare GEICO, Allstate and State Farm. In order to compare rates, you need to visit each site to enter the same coverage data repeatedly, which can get rather old.

    For a list of companies in your area, click here.

  3. The hardest method to find and compare rates is actually driving to insurance agencies in your area. Comparing online rate quotes eliminates this option unless you prefer the extra assistance of a local agency. Drivers can price shop your coverage online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make darn sure you compare equivalent coverage information with each company. If you have higher or lower deductibles it will be impossible to make a fair comparison for your Mercedes-Benz B200. Quoting even small variations in insurance coverages could throw off the whole comparison. Just keep in mind that quoting more helps improve the odds of finding more affordable rates. Not every company provides prices over the internet, so you need to compare quotes from them, too.

Auto insurance discounts help lower rates

Some providers don’t always advertise the entire discount list in a way that’s easy to find, so the next list breaks down a few of the more well known in addition to some of the lesser obvious ways to save on auto insurance.

  • Drivers Education – Teen drivers should participate in a local driver’s education class if it’s offered in school.
  • Accident-Free Discounts – Drivers who don’t have accidents pay less compared to bad drivers.
  • Government Employee Discount – Employees or retirees of the government could provide a small rate reduction for B200 coverage with certain companies.
  • Driving Data Discount – Policyholders that allow driving data collection to analyze driving manner by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they have good driving habits.
  • College Student – Any of your kids who are enrolled in higher education away from home and don’t have a car may qualify for this discount.
  • Paperwork-free – Some companies will give you a small discount for signing up online.
  • Payment Discounts – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
  • Multiple Policy Discount – If you combine your homeowners and auto policies with the same insurance company you could save approximately 10% to 15%.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more off the PIP or medical payment premium.

As is typical with insurance, most credits do not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts should help lower your overall bill.

To choose insurers who offer auto insurance discounts, click here to view.