2011 Mercedes-Benz R-Class Insurance Rates – 10 Policy Discounts

Shopping for budget-priced car insurance on the internet may be overwhelming for vehicle owners that are not comfortable with quoting and comparing and buying car insurance over the internet. With so many agents and companies, how can anyone even start to compare every company to locate the lowest price available?

If you currently have a car insurance policy, you will be able to save some money using this strategy. Shopping for the best insurance coverage is quite easy. Although vehicle owners must know how big insurance companies determine prices and apply this information to your search.

How to get the cheapest car insurance

The are a couple different ways of comparing price quotes from companies that offer car insurance in your state. The easiest way to compare Mercedes-Benz R-Class insurance prices is to jump online and get quotes. This can be done in just a few minutes using one of these methods.

1. The first (and easiest) way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This type of form keeps you from doing a different quote for each price estimate. A single form gets you price quotes from multiple companies. This is perfect if you don’t have a lot of time.
2. A different way to find better pricing requires a trip to the website of each company to request a price quote. For sake of this example, we’ll pretend you need rates from State Farm, Farmers and GMAC. To find out each rate you need to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive. For a list of companies in your area, click here.
3. If you have time to kill, the last method of getting rate comparisons is to drive around to local insurance agencies. The ability to get quotes online eliminates this option unless you require the professional advice that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to compare the best prices online and get advice from an agent in your area.

However you get your quotes, do your best to enter apples-to-apples coverage information for each comparison quote. If you have different limits and deductibles on each one it’s not possible to make an equal comparison. Just slight variations in limits can mean a large discrepancy in price. Just keep in mind that comparing more rates from different companies will increase your chances of finding the best offered rates. Some regional insurers cannot provide online rate quotes, so you need to compare quotes from those companies as well.

Which policy gives me the best coverage?

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether or not you could use an agent’s help.

• Is my babysitter covered when using my vehicle?
• Am I covered if I crash into my own garage door?
• Am I covered when driving someone else’s vehicle?
• How can I get my company to pay me more for my totalled car?
• Will filing a claim cost me more?
• Are split liability limits better than a combined single limit?
• Am I covered when pulling a rental trailer?
• I have a DUI can I still get coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Detailed coverages of your insurance policy

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

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use 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 things such as legal defense fees, repair bills for other people’s vehicles, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision – Collision insurance will pay to fix damage to your R-Class caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things like backing into a parked car, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, EMT expenses, ambulance fees, doctor visits and hospital visits. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like fire damage, damage from a tornado or hurricane, rock chips in glass and hitting a bird. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.