2006 Mercedes-Benz R-Class Insurance Quotes

Trying to find lower insurance coverage rates for your Mercedes-Benz R-Class? Did a good deal turn out to be an overpriced insurance coverage policy? Believe me when I say many consumers are feeling buyer’s remorse and feel like there’s no way out.

Lots of car insurance companies contend for your business, so it’s not easy to compare every insurer to get the best price available.

Cheapest insurance coverage price quotes

To find cheaper quotes, there are a couple of ways to obtain and compare prices from insurance coverage companies in your area. The fastest way to comparison shop consists of obtaining rate quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

  1. The fastest and easiest way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This style of form eliminates the need for separate quote forms for each company. A single form gets coverage cost estimates from multiple companies.
  2. Another way to get comparison quotes is to take the time to go to the website for every company you want to comare and go through the quote process again. For examples sake, we’ll assume you need rates from State Farm, Farmers and Progressive. To get each rate you have to spend time going to each site individually to enter the same coverage data repeatedly, which is why the first method is more popular.

    For a list of companies in your area, click here.

  3. Even if you have time, the least recommended method to shop rates is making phone calls or going to local insurance agencies. Doing it all online makes this unnecessary unless you have a need for the personal advice of a licensed agent. Some companies do allow you to get prices online but buy the policy through an agent.

Whichever method you choose, try to use nearly identical coverage limits and deductibles with each company. If you compare higher or lower deductibles then you won’t be able to find the best deal for your Mercedes-Benz R-Class. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that making a lot of price comparisons helps you find more affordable rates. Some companies don’t provide rate quotes online, so it’s important to also get quotes from them as well.

Cheaper rates by taking advantage of discounts

Some insurers do not advertise every available discount very well, so we break down some of the best known and also the more inconspicuous savings tricks you should be using when you buy auto insurance online.

  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents so you can save 10 percent or more.
  • Defensive Driver Discount – Completing a course in defensive driving is a good idea and can lower rates and also improve your driving technique.
  • Save over 55 – If you qualify as a senior citizen, you could receive a small discount on rates on R-Class insurance.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on R-Class insurance depending on your company.
  • Homeowners Pay Less – Owning your own home or condo can save a few bucks since home ownership is proof that your finances are in order.
  • Drive Safe and Save – Accident-free drivers can pay as much as 50% less on R-Class insurance as compared to drivers with claims.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Discount for Life Insurance – Larger auto insurance companies have better rates if you take out a life policy as well.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though you would think adding up those discounts means a free policy, companies don’t profit that way.

To see a list of insurance companies who offer cheap auto insurance quotes, click here.

How much insurance coverage do I need?

When buying proper insurance coverage, there is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • How can I get high-risk coverage after a DUI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if hit by an uninsured driver?
  • Is a new car covered when I drive it off the dealer lot?
  • Do I need replacement cost coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Quote Mercedes-Benz R-Class insurance at a discount

A large part of saving on auto insurance is knowing the rating factors that come into play when calculating auto insurance rates. When you understand what determines premiums, this enables you to make decisions that could help you find big savings.

The itemized list below are most of the major factors auto insurance companies consider when setting rates.

  • Little extras can really add up – There are a ton of add-on coverages that you can buy if you aren’t careful. Things like personal injury protection, death and dismemberment, and additional equipment coverage are examples of these. You may think they are a good idea when you first buy your policy, but if you have no use for them get rid of them and save.
  • Insurance rates and driver gender – Statistics show females are less aggressive when driving. However, this does not mean females are better drivers. Women and men get in auto accidents at a similar rate, but guys get into accidents with more damage. Not only that, but men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Insurance rates for married couples – Having a significant other helps lower the price compared to being single. Marriage generally demonstrates drivers are more responsible and insurance companies reward insureds because being married results in fewer claims.
  • Gaps in coverage mean higher rates – Driving any period of time without insurance is illegal and your next policy will cost more because you let your insurance expire. And not only will insurance be more expensive, getting caught without coverage might get you a fine, jail time, or a revoked license. Then you may be required to file a SR-22 with your state department of motor vehicles.

Insurance coverages explained

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on the average insurance policy.

Collision coverage – This pays to fix your vehicle from damage 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 protects against claims such as colliding with a tree, rolling your car, sustaining damage from a pot hole, hitting a parking meter and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. You can also bump up the deductible to save money on collision insurance.

Insurance for medical payments – Med pay and PIP coverage provide coverage for immediate expenses for surgery, rehabilitation expenses, ambulance fees and chiropractic care. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz R-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Auto liability insurance – Liability coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like attorney fees, bail bonds, legal defense fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from flooding, damage from a tornado or hurricane, hitting a deer and falling objects. The maximum payout you’ll receive from a 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.

Find Good Coverage for Less

You just learned a lot of information how to lower your 2006 Mercedes-Benz R-Class insurance prices. The key concept to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest prices are with a small mutual company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.

When you buy auto insurance online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where drivers have reduced liability coverage limits only to find out that they should have had better coverage. Your objective should be to get the best coverage possible at an affordable rate and still be able to protect your assets.

Budget-friendly insurance coverage is possible from both online companies as well as from insurance agents, and you need to comparison shop both to have the best selection. There are still a few companies who do not provide online price quotes and these regional insurance providers only sell through independent agencies.

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