Lower Your 2007 Mercedes-Benz R-Class Insurance Quotes

Buying cheap auto insurance over the internet can appear to be intimidating for people that are relatively new to comparing rates and buying auto insurance online. With more and more insurers available, how can people have the ability to compare them all to find better rates?

You need to get comparison quotes quite often because auto insurance prices tend to go up over time. Just because you found the lowest quotes for R-Class coverage a year ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the right way to save money, get proper deductibles and limits, all at the lowest rate.

If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. This article will help educate you on how car insurance quotes work. But car owners benefit from understanding how companies price online insurance and use this information to your advantage.

Insurance discounts are available to reduce your rates

Companies don’t necessarily list every available discount in an easy-to-find place, so we researched both well-publicized and the harder-to-find discounts that you can inquire about if you buy auto insurance online.

  • Drivers Ed for Students – Have your child participate in a local driver’s education class if offered at their school.
  • ABS Brakes – Cars with anti-lock braking systems are safer to drive so companies give up to a 10% discount.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance rates for R-Class coverage.
  • Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on auto insurance quote when compared with insureds who have frequent claims or accidents.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts could save 15% off PIP or medical payments premium.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Safe Drivers – Safe drivers can save up to 40% or more on their auto insurance quote for R-Class coverage compared to accident prone drivers.
  • Multiple Policy Discount – If you combine your auto and homeowners policies and insure them both with the same insurance company you could save over 10 percent off each policy depending on the company.

A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like you could get a free insurance policy, nobody gets a free ride.

If you would like to view providers who offer free insurance quotes, follow this link.

How to buy insurance coverage

To find cheaper rates, there are a couple of ways of comparing rates from many insurance coverage companies in your state. The easiest way to comparison shop consists of shopping online. This is quite simple and can be completed using a couple different methods.

The most efficient way to get quotes for comparison would be an industry-wide quote request form click to view form in new window. This type of form saves time by eliminating separate forms for each company you want a rate for. Just one form gets rate comparisons from all major companies.It’s the quickest way to get rates.

A harder way to find lower rates is to take the time to go to each individual company website and fill out a new quote form. For examples sake, we’ll assume you are doing a rate comparison from Auto-Owners, Liberty Mutual and Allstate. To do that, you would have to go to every website and punch in your information repeatedly, which is why first method is reommended. For a handy list of car insurance company links in your area, click here.

However you get your quotes, make darn sure you compare equivalent information on every quote you get. If you enter different liability limits you can’t possibly determine the lowest rate for your Mercedes-Benz R-Class. Slightly different coverage limits can result in a big premium difference. Just keep in mind that quoting more gives you a better chance of getting the best price. Not every company allows you to get online price quotes, so you need to compare rates from the smaller companies as well.

What determines Mercedes-Benz R-Class insurance rates?

The best way to find cheaper insurance coverage is to take a look at the different types of things that go into determining insurance coverage rates. If you have a feel for what positively or negatively impacts your premiums, this helps enable you to make changes that may result in much lower annual insurance costs.

  • Consolidate and save – Lots of companies apply discounts for people that have more than one policy in the form of a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. If you currently are using one company, consumers should still compare rates to ensure the best deal.
  • Cheaper rates for prior coverage – Not having insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. Not only will you pay higher rates, getting caught without coverage could result in a hefty fine and possibly a revoked license.
  • Certain vocations raise insurance coverage rates – Occupations such as lawyers, social workers and financial analysts tend to have higher rates than the rest of us because of intense work situations and incredibly demanding work hours. On the flip side, jobs such as actors, engineers and retirees have the lowest average rates for R-Class coverage.
  • Safer the car lower the rate – Cars with high safety ratings tend to have lower insurance rates. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims which can mean better rates for you. If your Mercedes-Benz R-Class earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.
  • Teen vs. mature drivers – Older people tend to be more responsible, cost insurance companies less in claims and are safer drivers.Young drivers have been known to be less responsible when driving so they pay higher insurance coverage rates.

Everyone needs different car insurance coverages

When buying adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help highlight if you might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • How high should deductibles be on a 2007 Mercedes-Benz R-Class?
  • How can I force my company to pay a claim?
  • Will my insurance pay for OEM parts?
  • Does my insurance cover a custom paint job?
  • How much liability coverage do I need in my state?
  • Does coverage extend to my business vehicle?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverages and their meanings

Knowing the specifics of your auto insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Auto liability insurance

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

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims such as funeral expenses, medical services, emergency aid and attorney fees. How much coverage you buy is your choice, but buy as much as you can afford.

Coverage for collisions

This pays for damage to your R-Class from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, crashing into a building, hitting a parking meter, hitting a mailbox and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as EMT expenses, pain medications, prosthetic devices, X-ray expenses and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz R-Class.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, theft, damage from a tornado or hurricane and fire damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Save your hard earned cash

More affordable insurance is available from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some companies may not offer internet price quotes and usually these small insurance companies only sell coverage through local independent agencies.

We covered many tips how you can lower your 2007 Mercedes-Benz R-Class insurance rates. The key concept to understand is the more times you quote, the higher the chance of saving money. Drivers may discover the best price on insurance is with a small mutual company.

Insureds who switch companies do it for a variety of reasons including being labeled a high risk driver, lack of trust in their agent, unfair underwriting practices or high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company can be easy and end up saving you some money.

Much more information about insurance is available on the following sites: