Looking for better insurance coverage rates for your Mercedes-Benz R-Class? Expensive insurance coverage can dwindle your personal savings and force you to make sacrifices. Comparing price quotes is free and is an excellent way to make sure you’re not throwing money away. Popular companies such as Allstate, Progressive and GEICO persitently shower you with ad campaigns and consumers find it hard to ignore the propoganda and effectively compare rates to find the best deal.
If you are insured now or need a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to find the lowest price online.
Finding cheaper 2008 Mercedes-Benz R-Class auto insurance prices is not a difficult process. Drivers just need to take a couple of minutes to compare quotes from different insurance companies. This can be accomplished using a couple different methods.
The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for separate quotes for each company you want a rate for. A single form will get you price quotes from many national carriers.
A harder way to obtain and compare quotes online is to manually visit each company website and complete a new quote form. For examples sake, we’ll pretend you want rates from USAA, 21st Century and Progressive. You would have to take the time to go to each site and enter your information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.
The hardest method to get comparison rates is driving around to different agent offices. The internet can eliminate the need for a local agent unless you want the professional advice of a licensed agent. It is possible to get the lowest quotes online and get advice from an agent in your area and we’ll cover that in a bit.
It doesn’t matter which method you choose, just be sure to compare the exact same coverages and limits on every quote. If you are comparing different deductibles you will not be able to decipher which rate is best.
When choosing adequate coverage, there really is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can help discover whether you might need an agent’s assistance.
If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It’s fast, free and may give you better protection.
Having a good grasp of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverage types offered by auto insurance companies.
Liability coverage – Liability insurance provides protection from damage or injury you incur to a person or their property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.
Liability coverage pays for claims like repair bills for other people’s vehicles, medical services, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, nursing services, funeral costs, dental work and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Comprehensive auto coverage – This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage protects against things like damage from getting keyed, rock chips in glass, hitting a deer, a broken windshield and vandalism. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2008 Mercedes-Benz R-Class.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.
Collision coverage – Collision coverage pays for 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 can pay for claims like scraping a guard rail, hitting a mailbox, colliding with a tree and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.