2011 Mercedes-Benz R-Class Insurance Cost

Trying to find the cheapest auto insurance rates for your Mercedes-Benz R-Class? Sick and tired of being strong-armed to pay your car insurance bill each month? You are no different than millions of other consumers. Because there are so many choices, it can be impossible to choose the most affordable company.

Insurance Comparisons

Performing a rate comparison can be a daunting task if you aren’t aware of the easiest way. You could waste a few hours driving to insurance companies in your area, or you can utilize online quoting to get rate comparisons in just a few minutes.

The majority of car insurance companies enroll in a system where prospective buyers only type in their quote data once, and at least one company can provide price quotes determined by their information. This system prevents you from having to do quote forms for each company you want a rate for.

To compare 2011 Mercedes-Benz R-Class rates using this form now click here (opens in new window).

The only downside to doing it this way is that consumers can’t choose which insurance companies you want pricing from. If you wish to select individual companies to compare prices, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, compare identical coverage limits and deductibles with every price quote. If you have higher or lower deductibles it will be next to impossible to determine the lowest rate for your Mercedes-Benz R-Class.

Pay less by taking advantage of discounts

Companies do not list all their discounts in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts of up to 25% or more.
  • Club Memberships – Affiliation with a civic or occupational organization may earn a discount on car insurance on R-Class insurance.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Sign Online – A handful of insurance companies will give a small break simply for signing over the internet.
  • Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

It’s important to understand that many deductions do not apply to your bottom line cost. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck.

To see a list of companies offering car insurance discounts, follow this link.

Your coverage should be tailored to you

When it comes to choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions may help highlight if your insurance needs might need professional guidance.

  • Can I make deliveries for my home business?
  • When should I buy a commercial auto policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Is my ex-spouse still covered by my policy?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Mercedes-Benz R-Class rates influenced by many factors

Consumers need to have an understanding of the different types of things that come into play when calculating your car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to better car insurance rates.

  • Older drivers pay less – Young drivers are known to be careless and easily distracted behind the wheel so they pay higher car insurance rates. Parents adding a teen driver onto your car insurance can break the bank. Older drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • Equipment add-ons that lower car insurance rates – Choosing a vehicle with an alarm system can get you a discount on your car insurance. Theft prevention devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Don’t let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance can result in a hefty fine and possibly a revoked license.
  • Do men or women drive better? – The statistics show women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Both sexes are in accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically have more aggressive citations such as reckless driving.
  • Being married can save on car insurance – Getting married actually saves money when buying car insurance. Having a significant other means you’re more responsible and it’s statistically proven that drivers who are married are more cautious.
  • Your location affects your rates – Choosing to live in small towns and rural areas can save you money when it comes to car insurance. Drivers who live in large cities tend to have traffic congestion and much longer commute distances. Fewer people translates into fewer accidents and also fewer theft and vandalism claims.

Ads can be misleading

Consumers can’t ignore all the ads that promise big savings from the likes of State Farm and Allstate. All the ads have a common claim that you’ll save big if you switch your coverage to them.

How does each company make the same claim?

All the different companies have a preferred profile for the type of driver that makes them money. For instance, a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and drives less than 10,000 miles a year. A driver that hits that “sweet spot” receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to this ideal profile will be quoted higher premiums and ends up with business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that kind of money. This is how insurance companies can state the savings. This emphasizes why it is so important to compare many company’s rates. You cannot predict the company that will provide you with the cheapest Mercedes-Benz R-Class insurance rates.

Insurance policy coverages for a 2011 Mercedes-Benz R-Class

Learning about specific coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most insurance policies.

Liability insurance – Liability coverage can cover damage or injury you incur to people or other property in an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s 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 bills for other people’s vehicles, court costs, pain and suffering and medical services. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from flooding, fire damage and vandalism. The most you’ll receive from a claim 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.

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, sustaining damage from a pot hole and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz R-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses like hospital visits, ambulance fees, EMT expenses and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Don’t be a big spender

Lower-priced 2011 Mercedes-Benz R-Class insurance can be found on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide online price quotes and most of the time these smaller companies sell through independent agents.

You just read some good ideas how you can save on insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the most savings is with a lesser-known regional company. Regional companies often have lower prices on specific markets than their larger competitors like State Farm, Geico and Nationwide.

Additional information is located at these links: