View 2007 Mercedes-Benz R-Class Insurance Quotes

Trying to find better car insurance rates for your Mercedes-Benz R-Class? Purchasing the cheapest car insurance may at first seem to be intimidating for drivers that are relatively new to comparing and buying car insurance on the internet. With literally dozens of insurers available, how can anyone possibly compare them all to find lower car insurance premiums?

The purpose of this post is to help educate you on how to effectively get price quotes. If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this information. Although consumers do need to understand the way insurance companies determine prices because it can help you find the best coverage.

The fastest way that we advise to compare car insurance company rates is to take advantage of the fact most of the bigger providers pay for the opportunity to give free rates quotes. The one thing you need to do is provide the companies a bit of rating information including if you lease or own, if you have an active license, if a SR-22 is required, and how your vehicles are used. That rating data is instantly provided to insurance companies and you should receive rate quotes almost instantly.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Insurance premium influencing factors

An important part of buying insurance is that you know a few of the rating criteria that go into determining the rates you pay for car insurance. When consumers understand what positively or negatively impacts your premiums, this helps enable you to make changes that can earn you lower car insurance prices.

  • Lower coverage deductibles cost more – Comp and collision deductibles state the amount of money you are willing to pay if a claim is determined to be covered. Insurance for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims could be colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The higher the amount you are required to pay out-of-pocket, the better rate you will receive on R-Class insurance.
  • Safer the car lower the rate – Cars with five star safety ratings tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company and lower rates for you. If your Mercedes-Benz is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Rates may be higher where you live – Living in less populated areas can be a good thing when trying to find low car insurance rates. Residents of big cities have to deal with more aggressive driving styles and longer commutes to work. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims.
  • Females tend to take less risk – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. The data does not necessarily mean that females are better at driving than males. Both genders have fender benders at about the same rate, but the men tend to have higher claims. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving.
  • Extra coverages push up rates – Insurance companies have many add-on coverages that you can buy if you aren’t careful. Coverage for things like coverage for rental cars, towing coverage, and extra equipment coverage are some examples. You may think they are a good idea when talking to your agent, but your needs may have changed so think about removing them and cutting costs.

Insurance Discounts

Some insurance providers don’t list the entire discount list in a way that’s easy to find, so the following is a list of a few of the more well known as well as the least known credits available to bring down your rates. If you are not receiving all the discounts available, you are throwing money away.

  • Data Collection Discounts – Insureds that choose to allow driving data collection to track driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they show good driving skills.
  • First Accident Forgiveness – This one isn’t a discount, but certain companies will let one accident slide without raising rates so long as you haven’t had any claims before the accident.
  • College Student – who attend college more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Student Driver Training – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.
  • No Accidents – Claim-free drivers can earn big discounts in comparison with bad drivers.
  • Driver Training Discounts – Taking part in a course in safe driver may get you a small discount if your company offers it.
  • Bundle and Save – If you have multiple policies and insure them both with the same insurance company you could save at least 10% off all policies.
  • Anti-theft System – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off the medical payments premium.

A little disclaimer on discounts, some credits don’t apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, that’s just not realistic.

Insurance companies that possibly offer many of the previously listed discounts are:

Check with every prospective company the best way to save money. Some credits might not be available to policyholders in your state. To see insurance companies that have a full spectrum of discounts, click here to view.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

  • Do I need replacement cost coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my trailer covered?
  • Does car insurance cover theft of personal property?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I get collision insurance on every vehicle?
  • Why is insurance for a teen driver so high?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages 101

Learning about specific coverages of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Auto liability insurance

This coverage will cover damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. 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 property damage coverage for $100,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for things like medical services, court costs, pain and suffering and attorney fees. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims 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. This is the reason having UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as nursing services, surgery, hospital visits and dental work. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, scraping a guard rail, hitting a mailbox and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a broken windshield, a tree branch falling on your vehicle, theft and fire damage. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In Summary

Budget-friendly insurance can be sourced on the web as well as from independent agentsinsurance , so you need to quote insurance coverage with both to have the best rate selection. Some companies may not have price quotes online and many times these regional carriers prefer to sell through local independent agencies.

In this article, we presented some good ideas how you can shop for 2007 Mercedes-Benz R-Class insurance online. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance is with a small mutual company.

People change insurance companies for any number of reasons including delays in responding to claim requests, high rates after DUI convictions, being labeled a high risk driver and even delays in paying claims. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

More detailed insurance information can be found in these articles: