2009 Mercedes-Benz R-Class Car Insurance Rates

Finding cheaper insurance for a new or used Mercedes-Benz R-Class can normally be a painful process, but you can follow a few tricks and make it easy.

There is a right way and a wrong way to compare insurance rates and we’ll show you the quickest way to quote coverages for a new or used Mercedes-Benz and locate the lowest price.

You should take the time to get comparison quotes on a regular basis because rates change regularly. Despite the fact that you may have had the lowest price for R-Class coverage a couple years back you may be paying too much now. Starting right now, ignore everything you know about insurance because it’s time to teach you how to use the internet to properly buy coverages and cut your premium.

Insurance Coverage Comparison Rates

Most major insurance companies such as State Farm, Allstate and Geico allow you to get price estimates on their websites. Obtaining pricing is fairly straightforward as you simply enter your personal and coverage information into a form. After you submit the form the system requests your driving record and credit report and returns pricing information based on these and other factors.

This helps simplify price comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it’s absolutely necessary to perform this step if you want to find the best price possible.

There is an easier way!

The quickest way to compare rates is to use a quote form to get prices from a bunch of companies at once. It’s a real time-saver, eliminates form submissions, and makes online price comparison much easier to do. After your information is entered, it gets priced with multiple companies and you can pick your choice of the quotes returned.

If a lower price is quoted, it’s easy to complete the application and buy the policy. It can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To get comparison pricing now, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you copy the insurance coverages exactly as they are listed on your policy. This way, you will receive a price comparison based on the exact same insurance coverage.

Are you getting all your discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some must be inquired about before they will apply. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.
  • Clubs and Organizations – Affiliation with a qualifying organization may earn a discount when buying insurance coverage for R-Class coverage.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for R-Class coverage than their less cautious counterparts.
  • Accident Waiver – Some insurance companies will allow you to have one accident before your rates go up so long as you haven’t had any claims for a set time period.

Keep in mind that some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will reduce the amount you have to pay.

A partial list of companies who might offer some of the above discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. Some discounts may not be available in your state.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is a little different.

For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • When should my teen driver be added to my policy?
  • Does my personal policy cover me when driving out-of-state?
  • Will I lose any money if I cancel my policy before it expires?
  • What exactly is covered by my policy?
  • Why am I required to buy liability insurance?
  • Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Mercedes-Benz R-Class insurance rates consist of many parts

An important part of buying insurance is that you know the factors that play a part in calculating your insurance coverage rates. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to lower insurance coverage prices.

  • Do you have enough liability coverage? – Your policy’s liability coverage will protect you if a jury decides you are liable for causing damage or personal injury in an accident. It provides you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • How’s your driving record? – Just one moving violation can boost insurance rates forty percent or more. Careful drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations like reckless driving, hit and run or driving under the influence may need to submit a SR-22 form with their state DMV in order to keep their license.
  • Higher deductibles cost less – Deductibles for physical damage represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of covered claims are colliding with a building, damage from fire, and windstorm damage. The more money you’re willing to pay, the less your company will charge you for insurance for R-Class coverage.
  • Rate your vehicle for proper use – The higher the mileage driven every year the higher your rate. The majority of insurers price each vehicle’s coverage based upon how you use the vehicle. Autos used primarily for pleasure use receive lower rates than vehicles that are driven to work every day. Double check that your insurance coverage declarations sheet properly reflects the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your R-Class may be wasting your money.
  • Sex matters – Statistics demonstrate women tend to be less risk to insure than men. However, don’t assume that women are better drivers. They both have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations like reckless driving and DUI.

Insurance specifics

Having a good grasp of insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, theft, damage from getting keyed and hitting a bird. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for things like dental work, pain medications, surgery, prosthetic devices and EMT expenses. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability coverages

This coverage provides protection from damage that occurs to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like bail bonds, medical expenses, medical services and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2009 Mercedes-Benz R-Class.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

Collision coverage pays for damage to your R-Class resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, backing into a parked car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

In Summary

Cheaper 2009 Mercedes-Benz R-Class insurance can be purchased online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some auto insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.

We covered many ideas to shop for insurance online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers may even find the best prices are with a small mutual company.

When shopping online for auto insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced uninsured motorist or liability limits only to discover later they didn’t have enough coverage. Your focus should be to find the BEST coverage at a price you can afford.

More detailed auto insurance information is available in the articles below: