2009 Mercedes-Benz R-Class Insurance Rates

Searching for cheaper insurance for a Mercedes-Benz R-Class can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to shop for auto insurance so we’re going to tell you the quickest way to quote coverages for a Mercedes-Benz and get the cheapest rates either online or from local insurance agents.

Discounts to earn cheaper insurance rates

Some insurance providers don’t necessarily list every available discount in a way that’s easy to find, so the list below details a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

• Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
• Good Grades Discount – Maintaining excellent grades can get you a discount of up to 25%. The discount lasts until age 25.
• Data Collection Discounts – Insureds that choose to allow data collection to study driving patterns by installing a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they exhibit good driving behavior.
• Senior Citizen Rates – If you qualify as a senior citizen, you can get reduced rates for R-Class insurance.
• Student in College – Older children living away from home attending college without a vehicle on campus could qualify for this discount.
• Safe Driver Discounts – Drivers who avoid accidents can save as much as half off their rates for R-Class insurance than drivers with accident claims.

We need to note that some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as comp or med pay. So even though you would think you could get a free insurance policy, it just doesn’t work that way.

A list of companies and some of the premium reductions they offer are detailed below.

• American Family offers discounts including defensive driver, air bags, early bird, TimeAway discount, good student, and good driver.
• Nationwide offers discounts for anti-theft, defensive driving, Farm Bureau membership, multi-policy, business or organization, and easy pay.
• MetLife may have discounts that include defensive driver, multi-policy, good student, accident-free, and claim-free.
• 21st Century may include discounts for early bird, air bags, homeowners, 55 and older, and anti-lock brakes.
• Farmers Insurance may offer discounts for distant student, switch companies, early shopping, good student, business and professional, and mature driver.
• Allstate has discounts for anti-lock brakes, FullPay discount, auto/life discount, new car, and good payer.

Before purchasing a policy, check with each company or agent which discounts they offer. Savings may not apply to policyholders in your state.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there is no best way to insure your cars. Each situation is unique.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

• Is my dog or cat covered if injured in an accident?
• Does having multiple vehicles earn me a discount?
• Is my babysitter covered when using my vehicle?
• Should I file a claim if it’s only slightly more than my deductible?
• Is my state a no-fault state?
• When would I need rental car insurance?
• How does medical payments coverage work?
• Is upholstery damage covered by car insurance?
• Does my insurance cover my expensive audio equipment?
• Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Don’t listen to company ads

Consumers can’t escape the ads that claim the cheapest car insurance rates by Allstate, Geico and Progressive. All the ads state the claim about saving some big amount just by moving to their company.

How is it plausible that every one can give you a better price? It’s all in the words they use.

All the different companies require specific criteria for the type of customer that will not have excessive claims. One example of this type of driver should be over the age of 50, has no claims, and drives a safe vehicle. Any new insured that hits that “sweet spot” may get the lowest prices and will also cut their rates if they switch.

Potential customers who are not a match for those criteria may be forced to pay a higher premium which translates to the customer buying from a different company. If you listen closely, the ads state “people who switch” not “everybody who quotes” save that much when switching. That’s why insurance companies can confidently claim big savings. Because of these techniques, you absolutely need to quote coverage with many companies. Because you cannot predict which company will have the lowest rates for your situation.

Insurance coverage considerations

Understanding the coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision insurance

This will pay to fix damage to your R-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sustaining damage from a pot hole, hitting a parking meter, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like rehabilitation expenses, funeral costs, ambulance fees, surgery and hospital visits. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability auto insurance

Liability insurance can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for claims like emergency aid, legal defense fees and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz R-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, damage from flooding, a broken windshield and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

A penny earned…

When trying to cut insurance costs, do not buy poor coverage just to save money. In many instances, drivers have reduced uninsured motorist or liability limits only to regret that it was a big mistake. The ultimate goal is to find the BEST coverage at the best price but still have enough coverage for asset protection.

Cost effective 2009 Mercedes-Benz R-Class insurance can be bought both online as well as from insurance agents, so get free insurance quotes from both of them to have the best chance of lowering rates. Some companies may not offer rate quotes online and most of the time these regional carriers sell through independent insurance agencies.

Throughout this article, we presented a lot of techniques to get a better price on 2009 Mercedes-Benz R-Class insurance. The key concept to understand is the more times you quote, the better likelihood of getting affordable insurance. Consumers could even find that the lowest premium rates come from a small local company.

Additional insurance information is available below:

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Tread Depth and Tire Safety (State Farm)
• Medical Payments Coverage (Liberty Mutual)