2007 Mercedes-Benz R-Class Insurance Quotes – 8 Ways to Save

I can’t think of a single person who enjoys paying for auto insurance, especially knowing they are paying too much. Companies like Geico and Progressive promote their brand names with ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It’s a good idea to price shop coverage yearly because insurance rates tend to go up over time. Even if you got the best price for R-Class insurance on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

The method we recommend to compare insurance rates from multiple companies takes advantage of the fact auto insurance companies allow for online access to compare their rates. To start a quote, the only thing you need to do is give the companies some data like if a SR-22 is required, any included safety features, your education level, and how your vehicles are used. The data is sent automatically to multiple companies and they return cost estimate immediately.

To start a rate quote now, click here and enter your zip code.

Companies offer discounts so take them!

Insuring your fleet can be pricey, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but a few must be inquired about before you get the savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Senior Citizens – Older drivers can possibly qualify for better insurance rates for R-Class insurance.
  • Multi-policy Discount – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Drive Less and Save – Fewer annual miles on your Mercedes-Benz can qualify you for better rates on cars that stay parked.
  • Accident Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most cut the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will help reduce the cost of coverage.

A partial list of companies who might offer some of the above discounts are:

Check with each insurance company how you can save money. Discounts might not apply everywhere.

Do I just need basic coverages?

When buying coverage for your vehicles, there really is not a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Is my babysitter covered when using my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When does my teenage driver need to be added to my policy?
  • Am I covered when using my vehicle for business?
  • Is my custom paint covered by insurance?
  • What is UM/UIM insurance?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I rent a car in Mexico?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I get collision insurance on every vehicle?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, simply complete this short form or click here for a list of insurance coverage companies in your area. It’s fast, free and can provide invaluable advice.

Insurance policy specifics

Learning about specific coverages of a insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages found on the average insurance policy.

Collision coverage – Collision insurance pays for damage to your R-Class resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, colliding with another moving vehicle, rolling your car, colliding with a tree and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like pain medications, doctor visits, nursing services, rehabilitation expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hail damage, hitting a bird, hitting a deer and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance – This coverage will cover damage that occurs to a person or their property in an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, court costs, repair costs for stationary objects, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Compare but don’t skimp

We just covered a lot of information how to shop for 2007 Mercedes-Benz R-Class insurance online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the most savings is with a small local company. These companies may have significantly lower rates on certain market segments than their larger competitors like State Farm, Geico and Nationwide.

The cheapest insurance is available online and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Even more information can be found by following these links: