2012 Mercedes-Benz R-Class Insurance Quotes – 10 Tricks for Cheapest Rates

Buyers have many options when searching for affordable Mercedes-Benz R-Class insurance. They can either waste time driving around to compare prices or utilize the internet to compare rates.

There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the absolute fastest way to quote coverages on a Mercedes-Benz and obtain the best price possible either online or from local insurance agents.

Are you earning every discount?

Companies don’t necessarily list the complete list of policy discounts very well, so the below list has a few of the more well known and also the lesser-known discounts you could be receiving when you buy insurance online.

• Paperless Signup – Certain insurance companies give back up to $50 for buying a policy and signing up on the web.
• Professional Organizations – Being a member of a civic or occupational organization could trigger savings on your next car insurance statement.
• Smart Student Discounts – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn better rates if you take out auto and life insurance together.
• One Accident Forgiven – but certain companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims for a particular time prior to the accident.
• Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
• Seat Belts Save – Drivers who require all occupants to use a seat belt could save 15% on the premium charged for medical payments and/or PIP.
• Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems can get savings up to 30%.
• Driver Safety – Completing a course in defensive driving may get you a small discount and make you a better driver.
• Early Signing – A few car insurance companies allow discounts for buying a new policy early. This can save 10% or more.

As a sidenote, some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A list of car insurance companies and a partial list of their discounts are shown below.

• Progressive has savings for good student, multi-policy, multi-vehicle, homeowner, continuous coverage, and online signing.
• The Hartford includes discounts for driver training, anti-theft, good student, air bag, and defensive driver.
• Mercury Insurance has discounts for location of vehicle, multi-policy, accident-free, professional/association, low natural disaster claims, ease of repair, and good driver.
• Geico offers premium reductions for five-year accident-free, anti-lock brakes, military active duty, driver training, and good student.
• AAA offers discounts for multi-car, pay-in-full, good student, education and occupation, multi-policy, anti-theft, and good driver.
• State Farm policyholders can earn discounts including accident-free, multiple autos, Steer Clear safe driver discount, anti-theft, and student away at school.

It’s a good idea to ask each company which discounts you qualify for. Discounts may not be available in your state.

When in doubt talk to an agent

When buying the best insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs might need professional guidance.

• Should I file a claim if it’s only slightly more than my deductible?
• Why am I required to get a high-risk car insurance policy?
• Is a new car covered when I drive it off the dealer lot?
• Am I covered if I drive in a foreign country?
• Are my friends covered when driving my car?
• Can I still get insurance after a DUI?
• What is covered by UM/UIM coverage?
• Why am I required to buy liability insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find an agent in your area, complete this form. It only takes a few minutes and can provide invaluable advice.

Save $406 a year? Really?

Consumers can’t get away from all the ads that claim the best car insurance rates by companies like Progressive, Geico, Allstate and State Farm. All the ads advertise claims that drivers will save a bundle if you change your insurance policy to them.

But how can every company charge less that you’re paying now? This is the trick they use.

Different companies quote the lowest rates for the driver that earns them a profit. For instance, a driver they prefer may be over the age of 45, carries high limits, and drives a lower-performance vehicle. A customer getting a price quote that hits that “sweet spot” will most likely get cheap rates and as a result will probably save when switching.

Potential insureds who do not meet the “perfect” profile must pay a higher rate which results in business not being written. The trick companies use is to say “people that switch” not “everyone that quotes” save that much money. That’s why companies can state the savings.

Because each company has a different risk profile, it’s extremely important to get a wide range of price quotes. Because without a comparison, you cannot know the company that will give you lower premium rates than your current company.

Insurance coverages explained

Learning about specific coverages of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz R-Class.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like doctor visits, surgery, EMT expenses and chiropractic care. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hail damage, rock chips in glass, vandalism, damage from getting keyed and hitting a deer. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

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

Collision can pay for claims such as hitting a parking meter, driving through your garage door, crashing into a ditch, rolling your car and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things such as repair costs for stationary objects, medical services, court costs, pain and suffering and loss of income. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Shop Smart and Save

In this article, we presented some good ideas how you can shop for 2012 Mercedes-Benz R-Class insurance online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding low cost insurance. You may even discover the lowest priced insurance comes from a small local company.

People switch companies for a variety of reasons including high prices, poor customer service, unfair underwriting practices or an unsatisfactory settlement offer. Whatever your reason, switching insurance companies is pretty easy and you might even save some money in the process.

When shopping online for insurance, do not skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage and learned later they didn’t purchase enough coverage. Your aim should be to get the best coverage possible at the best possible price, but do not sacrifice coverage to save money.

To learn more, feel free to browse the resources below:

• Vehicle Safety Ratings (iihs.org)
• Learn About Car Insurance (Geico)
• Winter Driving (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)