View 2012 Mercedes-Benz R-Class Car Insurance Quotes

Want lower auto insurance rates for your Mercedes-Benz R-Class? Overwhelmed by the crazy number of auto insurance options? You’re not alone. You have so many choices that it can turn into a big hassle to find the lowest price.

How to Get Cheap Car Insurance

To find the best car insurance prices, there are several ways to compare rate quotes and find the best price. The recommended way to find competitive 2012 Mercedes-Benz R-Class insurance rates consists of obtaining rate quotes online. This can be done in a couple of different ways.

  1. The recommended way to compare a lot of rates at once is a comparison rater form (click to open form in new window). This method eliminates the need for separate quotes to each individual car insurance company. One simple form gets rate comparisons from many national carriers.It’s the quickest way to get rates.
  2. A more difficult way to compare rate quotes requires a trip to the website for each individual company to complete a price quote. For instance, we’ll pretend you want to compare Allstate, Farmers and GMAC. To find out each rate you need to take the time to go to each site to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The most time-consuming method of getting rate comparisons is driving to insurance agents’ offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance of a licensed agent. However, consumers can get the lowest quotes online and still use a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing identical coverages on every quote you get. If each company quotes different deductibles it will be next to impossible to find the best deal for your Mercedes-Benz R-Class. Having just a slight variation in limits can mean a large discrepancy in price. Just keep in mind that having more price comparisons provides better odds of finding better pricing.

You probably qualify for some discounts

Companies don’t necessarily list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the more hidden ways to save on insurance.

  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies prior to your current policy expiring. The savings is around 10%.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Memberships – Participating in a civic or occupational organization is a good way to get lower rates on your policy for R-Class insurance.
  • Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.

A little note about advertised discounts, some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky.

For a list of companies offering insurance discounts, follow this link.

Impacting insurance rates for a Mercedes-Benz R-Class

An important part of buying insurance is that you know the rating factors that help determine the price you pay for auto insurance. Knowing what influences your rates helps enable you to make changes that may reward you with lower auto insurance prices.

  • Rural vs Urban Areas – Choosing to live in a rural area can be a good thing when insuring your vehicles. Lower population translates into fewer accidents as well as less vandalism and auto theft. Drivers in populated areas regularly have much more traffic to deal with and much longer commute distances. Higher commute times can result in more accidents.
  • Pay less if you’re married – Getting married actually saves money on auto insurance. It means you’re more mature and it’s proven that drivers who are married are more cautious.
  • With age comes lower rates – Teen drivers are known to be careless and easily distracted behind the wheel so auto insurance rates are higher. Having to add a youthful driver onto a policy can be very expensive. Older drivers are more cautious drivers, statistically cause fewer accidents and are safer drivers.
  • Special features that cut premiums – Owning a car that has an advanced theft prevention system can get you a discount on your auto insurance. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.

There’s no such thing as the perfect policy

When buying coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

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

  • What if I owe more than I can insure my car for?
  • Is other people’s property covered if stolen from my vehicle?
  • What is no-fault insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • What companies insure drivers after a DUI or DWI?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Coverages available on your car insurance policy

Having a good grasp of your policy can help you determine the best coverages for your vehicles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for immediate expenses like ambulance fees, hospital visits, X-ray expenses and dental work. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Collision coverage protection

Collision insurance covers damage to your R-Class resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a mailbox, crashing into a building, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability insurance will cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for things like emergency aid, structural damage, bail bonds and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Save your hard earned cash

Cost effective 2012 Mercedes-Benz R-Class insurance can be purchased on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some companies do not offer online price quotes and many times these small, regional companies only sell through independent insurance agents.

Drivers switch companies for a number of reasons such as questionable increases in premium, delays in responding to claim requests, high rates after DUI convictions or even policy cancellation. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There are too many instances where an insured dropped collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

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