2006 Mercedes-Benz R-Class Car Insurance Quotes – 6 Tips for Cheaper Rates
Want cheaper car insurance rates for your Mercedes-Benz R-Class? No one in their right mind looks forward to paying premiums for car insurance, especially when they know they could get a better deal. Big companies like State Farm, Progressive and Geico all claim big savings with ads and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
If you have insurance now or are just looking to switch companies, you can use this information to cut your premiums and still get good coverage. Finding the best rates is not rocket science. Vehicle owners only need an understanding of the proper methods to compare prices on the web.
Compare free auto insurance price quotes
Shopping for lower auto insurance rates can take time and effort if you don’t know the fastest way to get free quotes. You could waste a few hours driving to agents in your area, or you can utilize the web to get prices fast.
The majority of car insurance companies participate in a marketplace that enables customers to only type in their quote data once, and every company returns a rated price. This saves time by eliminating repetitive form submissions to each company.
To find out how much you can save on auto insurance click here to open in new window.
The one disadvantage to getting quotes like this is that you can’t choose which carriers to receive prices from. If you prefer to choose individual companies for rate comparison, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.
It’s up to you how you get prices quotes, just try to keep nearly identical coverage limits for each quote you get. If each company quotes different values for each quote you can’t possibly make a fair comparison for your Mercedes-Benz R-Class.
Car insurance quotes and discounts
The price of auto insurance can be rather high, but you might already qualify for some discounts that can drop the cost substantially. Most are applied at the time you complete a quote, but lesser-known reductions have to be asked about before they will apply. If you aren’t receiving every discount possible, you could be paying more than you need to.
- Braking Control Discount – Cars and trucks with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
- E-sign Discounts</strong – Certain larger companies will give a small break for buying your policy over the internet.
- Auto/Life Discount – Select car insurance companies reward you with better prices if you take out some life insurance in addition to your auto policy.
- Senior Citizens – If you’re over the age of 55, you are able to get a discount up to 10% on R-Class coverage.
- Policy Bundle Discount – When you have multiple policies with one insurance company you could earn a discount of at least 10% off all policies.
- Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and qualify for as much as a 10% discount.
Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though you would think you could get a free car insurance policy, companies don’t profit that way. But any discount will help reduce your premiums.
For a list of insurers who offer car insurance discounts, click this link.
Situations that may require an agent’s advice
When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. These are some specific questions might help in determining if you would benefit from professional advice.
- Are my friends covered when driving my car?
- Should I carry comprehensive and collision coverage?
- When does my teenage driver need to be added to my policy?
- Should I buy only the required minimum liability coverage?
- How do I file an SR-22 for a DUI in my state?
- I have health insurance so do I need medical payments coverage?
- Do I need medical payments coverage since I have good health insurance?
- Is a new car covered when I drive it off the dealer lot?
If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.
Insurance coverages explained
Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverages found on most insurance policies.
Coverage for medical expenses
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for surgery, chiropractic care, X-ray expenses and pain medications. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive insurance
Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive can pay for claims such as damage from a tornado or hurricane, hitting a bird, fire damage, a broken windshield and vandalism. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage
This coverage covers damage to your R-Class from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for claims such as scraping a guard rail, crashing into a ditch and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.
Coverage for uninsured or underinsured drivers
This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Liability coverages
Liability insurance protects you from damages or injuries you inflict on other people or property. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like medical expenses, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.
Deneen Thomas
I think I’m paying too much. From north side of Worcester, MA. I got free rates from 21st Century, Amica, Esurance, and Hartford for my 2006 Mercedes-Benz R-Class and saved $576 a year. My new agent seems to be really good. Still almost need a second mortgage.
Ardell Buckner
From north side of Rochester, MN. Received quotes with Safeco, Esurance, Allstate, and American Family for my 2006 Mercedes-Benz R-Class and saved $131 a year. Left GEICO to switch. Hardly afford to drive anymore.
Johnie Espinoza
I can’t pay high rates. I’m in the suburbs of Atlanta, Georgia. Got free quotes online for a 2006 Mercedes-Benz R-Class. Ended up at about $550 savings annually. Went with 21st Century. Was with Safeco. A clean driving record helps.
Kelle Espinoza
Liked the article. Live in the eastern part of Rapid City, South Dakota. I don’t recall every quote but I ended up saving about $20 each month.
Britany Chase
Good detail in your article. Checking in from Denver, CO. I don’t recall every quote but I ended up saving about $30 each month. They have free quotes online.
Trudie Vaughan
Not sure if this is cheap. From north side of Jersey City, NJ. I quoted with GEICO, Auto-Owners, and Eastwood for my 2006 Mercedes-Benz R-Class and saved $577 a year. Just go online and compare their rates.
Norman Owen
From east side of Las Cruces, NM and for me Allstate had the lowest quote. Insured with Encompass before. A clean driving record helps.
Tamela Mathis
I’m in the west part of Spokane, WA. Not sure of all the companies but I ended up saving about $30 each month.
Lucas Phelps
I think State Farm has low rates in Rhode Island. For me anyway.
Angle Gutierrez
I got quite a few price quotes for a 2006 Mercedes-Benz R-Class in Honolulu, Hawaii. Ended up at right around $150 every six months with American Family. Have a couple speeding tickets too.
Gabriella Jackson
If you have a good history and live in the vicinity of Virginia Beach, VA, check out Allstate. You might get cheaper rates. Left The General to switch. I used their website to get prices.
Roxanne Huff
State Farm is pretty cheap in Wisconsin! :)
Ethyl Williams
Cheap is not always the best policy. I live in Bellevue, Nebraska. I don’t recall every quote but I ended up saving about $50 each month. I have a couple other vehicles on the policy.