2010 Mercedes-Benz R-Class Car Insurance Rates – 9 Ways to Save

Looking for lower car insurance rates? Shoppers have lots of choices when shopping for the lowest priced Mercedes-Benz R-Class insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to shop for car insurance and we’ll show you the best way to compare rates for a new or used Mercedes-Benz and locate the lowest price.

It is always a good idea to get comparison quotes once or twice a year due to the fact that insurance prices fluctuate regularly. Even if you got the lowest rates on R-Class coverage on your last policy you can probably find a lower rate today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the fastest way to find better coverage at a better price.

More discounts mean affordable premiums

Companies that sell car insurance don’t list every disount available very well, so the list below gives a summary of both the well known and also the lesser-known ways to save on car insurance.

  • Club Memberships – Being in qualifying clubs or civic groups could earn you a nice discount on your bill.
  • Defensive Driver Discount – Taking part in a class that teaches driver safety techniques could save 5% or more and also improve your driving technique.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and earn discounts up to 10%.
  • Driver’s Ed – Have your child enroll and complete driver’s education in school or through a local driver safety program.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and can earn a small discount on your policy.
  • Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Accident Forgiveness Coverage – but a few companies such as Liberty Mutual, Allstate and State Farm will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
  • Claim-Free Discount – Drivers with accident-free driving histories have much lower rates when compared with accident-prone drivers.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like comp or med pay. Even though it appears all those discounts means the company will pay you, that’s just not realistic.

Some of the insurance companies that have some of the above discounts include:

If you need lower rates, check with each insurance company to apply every possible discount. Depending on the company, some discounts may not apply to policies in your area.

It’s not one size fits all

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Why does it cost so much to insure a teen driver?
  • Should I put collision coverage on all my vehicles?
  • Am I insured when driving a different vehicle?
  • Can I afford to buy a different vehicle if my 2010 Mercedes-Benz R-Class is totaled?
  • When does my teenage driver need to be added to my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need special endorsements for business use of my vehicle?
  • What is PIP insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and can help protect your family.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy helps when choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be ambiguous and reading a policy is terribly boring.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for pain medications, chiropractic care, nursing services and EMT expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Liability coverage – This provides protection from injuries or damage you cause to other people or property. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things such as funeral expenses, repair bills for other people’s vehicles and attorney fees. How much coverage you buy is up to you, but you should buy higher limits if possible.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and rock chips in glass. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage – This pays for damage to your R-Class resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, crashing into a ditch and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Final thoughts

We just covered some good ideas how to reduce 2010 Mercedes-Benz R-Class insurance prices online. The most important thing to understand is the more rate quotes you have, the better likelihood of getting cheaper car insurance. Drivers may discover the lowest prices are with the smaller companies.

When shopping online for insurance, you should never reduce needed coverages to save money. Too many times, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. The goal is to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

People leave their current company for many reasons like an unsatisfactory settlement offer, policy non-renewal, unfair underwriting practices and not issuing a premium refund. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

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