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While it would appear the worst is behind us, the recession is still in full swing, and consumers are still looking for ways to improve the look of their monthly budgets. Some people enact much more frugal spending on a day-to-day basis, while others invest in efficient technologies around the house, from Energy Star heaters to ‘green’ showerheads. There is nothing wrong with putting any of these strategies into practice, but a lot of people don’t realize that there are also a slew of ways to lower those monthly insurance premiums to save a little extra coin on your car expenditures. Chicago Mercedes-Benz drivers have an especially wide range of options for keeping those premiums low.

Many drivers don’t realize that factors that influence your insurance rates are well within your control. The first place to start is comparison shopping. The more options you are able to evaluate, the better the chance you will cover all of your bases. There are plenty of resources available on the web that allow you to find out what the current rates are and who offers the best options for your Chicago used Mercedes driving experience.

A really effective way to lower your monthly premiums is to get the points taken off of your driving record. Assuming you’ve had any sort of driving transgression, this can be a crucial differentiator in getting the best rate. You might ask, “What do I have to do to eliminate points?” It’s actually pretty simple. There are plenty of driving improvement classes available online for affordable prices. Defensive driving classes also give Chicago Mercedes-Benz drivers a simple way to clean the slate on their driving records.

Another tip: drivers who want more power behind their vehicle should expect to pay as much as an additional 20 percent on their insurance premiums. You’ll have to come to terms with the fact that a 5.4-liter supercharged V8 is going to log higher premiums than a 160 horsepower four-cylinder. Chicago used Mercedes drivers are at just around the same risk as new car drivers for this bump-up in premium in exchange for power. Higher horsepower is the equivalent of higher insurance rates, so keep this fact in mind when you’re shopping for your car in the first place.

An important note for drivers: your spending habits matter. If you have a low credit score with many black marks on your credit record, you are going to have trouble getting an insurance premium that best suits your budget. So, pay special attention to your spending habits and do some research on measures you can take to improve your credit score. Even beyond insurance premiums, heeding this advice will help you in a wide range of areas. You won’t have much luck at Chicago Mercedes-Benz dealers either if you have problems with your credit.

Mercedes E-Class models make a good buy if you’re looking for lower insurance. A slew of built in deterrents for car thieves put the E-Class model at the top of the “do not steal” list and, in fact, was named as such by Forbes in 2008.

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