Compare 2012 Mercedes-Benz R-Class Insurance Quotes

Trying to find better auto insurance rates for your Mercedes-Benz R-Class? Trying to come up with a payment for expensive auto insurance can dwindle your budget and make it impossible to make ends meet. Since you have so many options when it comes to auto insurance, it’s nearly impossible to choose a more affordable auto insurance company.

Finding the best rates is easy if you know what you’re doing. If you have insurance now or are shopping for new coverage, you can learn to shop for the lowest rates while maximizing coverage. Drivers just need to understand how to compare price quotes over the internet.

Discounts for cheap insurance rates

Insurance is neither fun to buy or cheap, but you might find some hidden discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but some may not be applied and must be requested specifically prior to getting the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Auto/Home Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of 10% to 20% off each policy.
  • Military Deployment Discount – Being deployed with a military unit can result in better rates.
  • Clubs and Organizations – Having an affiliation with certain professional organizations can get you a small discount on your bill.
  • Fewer Miles Equal More Savings – Driving fewer miles could earn cheaper insurancerates.
  • Passive Restraint Discount – Options like air bags or automatic seat belts could see savings up to 30%.
  • Good Grades Discount – This discount can save 20 to 25%. Most companies allow this discount until age 25.
  • Driver’s Ed – Teen drivers should participate in a local driver’s education class in school or through a local driver safety program.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on insurance coverage quote as opposed to frequent claim filers.
  • Driver Safety – Completing a class that teaches safe driver techniques could possibly earn you a 5% discount if your company offers it.

It’s important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, companies wouldn’t make money that way.

A few of the larger companies and their possible discounts are included below.

  • State Farm may offer discounts for accident-free, anti-theft, driver’s education, multiple autos, good student, and student away at school.
  • Nationwide offers discounts for Farm Bureau membership, easy pay, anti-theft, defensive driving, multi-policy, business or organization, and accident-free.
  • GEICO includes discounts for anti-theft, driver training, multi-vehicle, anti-lock brakes, multi-policy, and good student.
  • AAA discounts include good student, good driver, multi-car, AAA membership discount, and education and occupation.
  • 21st Century offers premium reductions for defensive driver, automatic seat belts, theft prevention, homeowners, and good student.
  • The Hartford may have discounts that include driver training, vehicle fuel type, bundle, air bag, anti-theft, defensive driver, and good student.

When comparing rates, check with every insurance company how you can save money. All car insurance discounts may not be available in your area. For a list of insurers that can offer you the previously mentioned discounts, follow this link.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine if your situation might need an agent’s assistance.

  • Does my car insurance cover rental cars?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I carry comprehensive and collision coverage?
  • Does my 2012 Mercedes-Benz R-Class need full coverage?
  • What exactly is covered by my policy?
  • What is UM/UIM insurance?

If you don’t know the answers to these questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Buyer beware of car insurance advertising tricks

Consumers can’t ignore all the ads for cheaper car insurance by 21st Century, Allstate and State Farm. All the ads state the claim about savings after switching your policy.

But how can every company make the same claim? This is how they do it.

All the different companies provide the lowest rates for the right customer that will be a good risk. For example, a desirable risk might be described as over the age of 40, has no claims, and drives a lower-performance vehicle. A propective insured who matches those parameters will get a cheap rate quote and will also save a lot if they switch.

Potential insureds who don’t qualify for those standards will probably have to pay a higher rate which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers that switch” not “all people who quote” save that much money. This is how companies can truthfully lure you into getting a quote. This really emphasizes why drivers must compare price quotes frequently. It’s just too difficult to predict which company will be your best fit.

The coverage is in the details

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages offered by car insurance companies.

Comprehensive car insurance

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like falling objects, fire damage, hitting a deer and hail damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 2012 Mercedes-Benz R-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Auto liability insurance

This coverage can cover damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as funeral expenses, pain and suffering, bail bonds, repair bills for other people’s vehicles and structural damage. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as nursing services, funeral costs, pain medications and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, damaging your car on a curb, rolling your car and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Be a money saver!

We’ve covered a lot of ways to reduce 2012 Mercedes-Benz R-Class insurance auto insurance rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheaper insurance coverage. Consumers could even find that the most savings is with the smaller companies. Smaller companies often have lower premium rates on specific markets than their larger competitors like State Farm and Allstate.

Some insurance providers may not provide the ability to get a quote online and these smaller companies sell through local independent agencies. Budget-friendly car insurance can be bought both online as well as from independent agents, so you should compare both in order to have the best chance of saving money.

Additional car insurance information can be read at the links below