Compare 2010 Mercedes-Benz R-Class Insurance Rates

Want the cheapest insurance coverage rates for your Mercedes-Benz R-Class? Saving money on insurance coverage can be hard for consumers not familiar with comparison shopping online. You have so many options that it can turn into a real challenge to locate the lowest price.

Take advantage of discounts

Insurance can be prohibitively expensive, but there are discounts available that you may not know about. A few discounts will automatically apply at the time you complete a quote, but less common discounts must be asked for before they will apply.

  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Early Signing – Select companies give a discount for signing up prior to your current policy expiring. This can save 10% or more.
  • Anti-theft System – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Life Insurance – Some companies give a discount if you purchase a life insurance policy as well.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may save up to 20% off your total premium.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Homeowners Discount – Owning a house can save you money because owning a home requires personal responsibility.
  • Braking Control Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.

It’s important to understand that most discount credits are not given the the whole policy. Most only apply to individual premiums such as comp or med pay. So when it seems like having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will help reduce your premiums.

A partial list of companies who might offer these benefits may include but are not limited to:

Double check with every prospective company how you can save money. Savings may not be available in your area.

Factors determining your Mercedes-Benz R-Class insurance premium

An important part of buying insurance is that you know the rating factors that come into play when calculating your insurance coverage rates. Understanding what controls the rates you pay enables informed choices that will entitle you to lower insurance coverage prices.

The list below includes some of the items insurance coverage companies consider when setting prices.

  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can get you a discount on your insurance coverage. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent auto theft.
  • Marriage pays dividends – Having a wife or husband actually saves money on your policy. It translates into being more mature and responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Cautious drivers pay less – Even a single ticket can increase rates by as much as thirty percent. Good drivers have lower premiums than bad drivers. Drivers who get serious violations such as DWI, reckless driving or hit and run convictions may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.
  • Women pay lower rates – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are worse drivers. Men and women cause accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically have more aggressive citations such as DWI and reckless driving.

How to know if you need help

When buying the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Everyone’s needs are different.

For example, these questions can aid in determining if your situation would benefit from an agent’s advice.

  • Is my dog or cat covered if injured in an accident?
  • What is the difference between comprehensive and collision coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • What are the best liability limits?
  • Is extra glass coverage worth it?
  • Are all vehicle passengers covered by medical payments coverage?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, complete this form.

Do drivers who switch really save?

Companies like State Farm, Geico and Progressive continually stream ads in print and on television. All the ads have a common claim about savings after switching your coverage to them. How does each company say the same thing? This is how they do it.

All the different companies can use profiling for the driver they prefer to insure. For example, a profitable customer could possibly be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. A customer getting a price quote who matches those parameters will get very good rates and therefore will save when switching.

Potential insureds who don’t measure up to the “perfect” profile will be quoted more money which leads to business going elsewhere. The ad wording is “drivers who switch” but not “drivers who get quotes” save that much. That’s why companies can state the savings.

This emphasizes why you need to quote coverage with many companies. It is impossible to predict which insurance companies will provide you with the cheapest Mercedes-Benz R-Class insurance rates.

Auto insurance coverages 101

Learning about specific coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision protection

Collision coverage pays for damage to your R-Class resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like damaging your car on a curb, rolling your car, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different 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 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair costs for stationary objects, attorney fees, pain and suffering, legal defense fees and emergency aid. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, falling objects, vandalism, rock chips in glass and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like nursing services, dental work and funeral costs. They can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Find Good Coverage for Less

In this article, we presented many ways to reduce 2010 Mercedes-Benz R-Class insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Consumers may even find the most savings is with a small mutual company.

Insureds leave their current company for many reasons like high prices, denial of a claim, policy non-renewal or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new company can be easy and end up saving you some money.

When shopping online for insurance, you should never skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped physical damage coverage only to regret at claim time that it was a big mistake. Your goal should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

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