2008 Mercedes-Benz R-Class Car Insurance Quotes – 10 Ideas for Best Rates

Shoppers have lots of choices when shopping for affordable Mercedes-Benz R-Class insurance. You can either waste hours driving around 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 auto insurance and we’ll show you the absolute fastest way to compare rates for a new or used Mercedes-Benz and locate the cheapest rates.

It’s a good habit to shop coverage around once or twice a year due to the fact that insurance prices change frequently. Despite the fact that you may have had the best deal on R-Class coverage two years ago there may be better deals available now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you the only way to properly buy coverages and cut your premium.

This article will let you in on how to get online quotes and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using this information. Vehicle owners just need to know the tricks to get comparison rates on the web.

Free car insurance rate quotes

Many insurance companies allow consumers to get prices on their websites. Comparing prices online is easy for anyone because it’s just a matter of typing in your coverage preferences into the form. When complete, their quoting system makes automated requests for your credit score and driving record and provides a quote determined by many factors.

Quoting online makes comparing rates easy, but the time required to go to a lot of sites and type in the same information can get tiresome after awhile. But it’s absolutely necessary to do this in order to get the best price on car insurance.

The easiest way to locate the lowest prices uses one simple form that gets price quotes from more than one company. It saves time, requires less work, and makes rate comparisons much easier to do. After sending the form, it gets priced with multiple companies and you can pick any or none of the returned quotes.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. It only takes a few minutes and you will know how your current rates stack up.

If you want to compare rates now, click here and submit the form. If you have coverage now, it’s recommended you copy your coverages just like they are on your policy. This way, you will receive comparison quotes for exact coverage.

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More discounts mean cheaper premiums

Some companies don’t necessarily list all available discounts in a way that’s easy to find, so below is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

• Federal Employees – Federal government employees could provide a small rate reduction on R-Class coverage with select insurance companies.
• Resident Student – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
• Theft Deterent System – Cars and trucks that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
• Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
• New Vehicle Savings – Buying a new car instead of a used car can save up to 30% since new model year vehicles are generally safer.
• More Vehicles More Savings – Purchasing coverage when you have all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
• Braking Control Discount – Cars and trucks with anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
• Defensive Driver Discounts – Taking part in a defensive driving course can save you 5% or more and easily recoup the cost of the course.
• Good Student – Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
• Passenger Safety Discount – Factory options such as air bags or motorized seat belts could see savings of 25 to 30%.

As a sidenote, some of the credits will not apply the the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like having all the discounts means you get insurance for free, you’re out of luck.

Companies and their possible discounts are outlined below.

• State Farm offers discounts for defensive driving training, student away at school, accident-free, good student, and safe vehicle.
• Geico may have discounts that include seat belt use, membership and employees, driver training, daytime running lights, emergency military deployment, defensive driver, and good student.
• Liberty Mutual has discounts for exclusive group savings, new graduate, multi-policy, newly married, and newly retired.
• The Hartford may offer discounts for anti-theft, bundle, vehicle fuel type, good student, and air bag.
• MetLife may include discounts for claim-free, defensive driver, multi-policy, good driver, and accident-free.
• Progressive includes discounts for online signing, multi-policy, continuous coverage, homeowner, and multi-vehicle.

When quoting, ask each company or agent which discounts they offer. Some of the discounts discussed earlier might not apply in every state. To choose car insurance companies who offer car insurance discounts, click here to view.

It’s not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

• What happens if I owe more than my 2008 Mercedes-Benz R-Class is worth?
• Are rock chip repairs covered?
• Do I need PIP coverage since I have good health insurance?
• Do all my vehicles need collision coverage?
• Are my friends covered when driving my 2008 Mercedes-Benz R-Class?
• Do I need medical payments coverage since I have good health insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, free and can help protect your family.

Auto insurance coverage breakdown

Having a good grasp of a auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive auto insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for chiropractic care, ambulance fees and funeral costs. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability

Liability coverage can cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like attorney fees, structural damage, repair costs for stationary objects, legal defense fees and medical expenses. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.

Collision insurance

This coverage covers 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 insurance covers claims such as backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2008 Mercedes-Benz R-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Most of the time these coverages are identical to your policy’s liability coverage.

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Summing up your car insurance search

We’ve covered a lot of tips how to lower your 2008 Mercedes-Benz R-Class insurance prices. The key thing to remember is the more providers you compare, the better likelihood of getting affordable insurance. Consumers may even find the best prices are with some of the smallest insurance companies.

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. Too many times, an insured cut comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your aim should be to buy enough coverage at the best price, but do not sacrifice coverage to save money.

Insureds switch companies for a number of reasons such as policy non-renewal, denial of a claim, delays in responding to claim requests and being labeled a high risk driver. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

For more information, take a look at these articles:

• Collision Coverage (Liberty Mutual)
• Choosing a Car for Your Teen (State Farm)
• Older Drivers FAQ (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)

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