2006 Mercedes-Benz R-Class Car Insurance Quotes

No one in their right mind looks forward to buying car insurance, in particular when the cost is way too high. Since consumers have many options when it comes to car insurance, it can be challenging to choose the best company.

You should make it a habit to check car insurance prices at least once a year since insurance rates are variable and change quite frequently. If you had the lowest price on R-Class insurance six months ago you will most likely find a better rate today. So block out anything you think you know about car insurance because you’re going to learn the fastest way to remove unneeded coverages and save money.

The best way to compare car insurance company rates is to realize all the major auto insurance companies have advanced systems to quote your coverage. To start a quote, the only thing you need to do is take a few minutes to give details like if you require a SR-22, what your job is, whether your vehicle is owned or leased, and how your vehicles are used. Your insurance information is then submitted to insurance carriers in your area and they respond with quotes quickly.

To get price quotes for your 2006 Mercedes-Benz R-Class, click here and see if a lower rate is available.

Do you really save 40% when you switch?

Consumers constantly see and hear ads that promise big savings by State Farm, GEICO and Progressive. They all seem to have a common claim that you can save if you move to their company.

But how can every company make almost identical claims? It’s all in the numbers.

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a desirable insured could possibly be over the age of 50, a clean driving record, and has a short commute. A propective insured who matches those parameters will get the preferred rates and therefore will save quite a bit of money when switching.

Potential customers who do not match this ideal profile must pay higher premiums and this can result in the customer not buying. The ads state “customers that switch” not “everybody who quotes” save that much. This is how companies can advertise the way they do.

This illustrates why drivers must get quotes from several different companies. It’s just too difficult to predict which insurance companies will give you the biggest savings on Mercedes-Benz R-Class insurance.

These factors can influence what you pay for Mercedes-Benz R-Class insurance

It’s important that you understand the factors that play a part in calculating the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that could result in lower car insurance prices.

  • Liability coverage protects you – Liability coverage is the coverage that protects you if ever a court rules you are at fault for causing damage or personal injury in an accident. Liability provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Your job and insurance rates – Careers like judges, architects and financial analysts have higher average rates due to stressful work requirements and lots of time spent at work. Conversely, occupations like actors, engineers and retirees get better rates on R-Class insurance.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and fewer injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Mercedes-Benz has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Big city or small town – Choosing to live in a rural area can save you money when talking about car insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer drivers translates into fewer accidents and a lower car theft rate.
  • Poor credit can mean higher rates – Your credit score is a important factor in your rate calculation. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with poor credit. If your credit score is low, you could potentially save money when insuring your 2006 Mercedes-Benz R-Class by improving your rating.

How to save on Mercedes-Benz R-Class insurance

The price of auto insurance can be rather high, but companies offer discounts that you may not even be aware of. Some discounts apply automatically at quote time, but a few need to be requested specifically before they will apply. If they aren’t giving you every credit you deserve, you’re just leaving money on the table.

  • Federal Government Employee – Simply working for the federal government can save as much as 8% on R-Class insurance with a few car insurance companies.
  • Early Signing – A few companies offer discounts for signing up before your current expiration date. This can save 10% or more.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply well after school through age 25.
  • Low Mileage – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.

Keep in mind that some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will bring down your premiums.

For a list of companies offering car insurance discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions may help you determine whether or not you could use an agent’s help.

  • What discounts do I qualify for?
  • Am I covered if I break a side mirror?
  • Is my trailer covered?
  • Is my babysitter covered when using my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • Am I covered if hit by an uninsured driver?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • If my 2006 Mercedes-Benz R-Class is totaled, can I afford another vehicle?

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 don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.

Detailed coverages of your insurance policy

Understanding the coverages of a insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages found on the average insurance policy.

Comprehensive auto coverage

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like falling objects, hail damage, damage from getting keyed and theft. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mercedes-Benz R-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these limits are set the same as your liablity limits.

Liability coverage

Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things such as repair bills for other people’s vehicles, emergency aid, legal defense fees, medical expenses and court costs. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as surgery, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance will pay to fix damage to your R-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

A little work can save a LOT of money

Cost effective 2006 Mercedes-Benz R-Class insurance is available from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, make sure you don’t buy less coverage just to save a little money. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your aim should be to find the BEST coverage at the best price while still protecting your assets.

More detailed car insurance information is available at these sites: