Get Cheaper Mercedes-Benz R350 Insurance in Three Steps
If finding affordable car insurance was easy, most of us would take the time to do it. But in reality, the cost for insurance always seems too high and most people would prefer to get a root canal. You probably feel the same way about finding lower cost coverage for your Mercedes-Benz R350.
Step One: Shop Around
If you haven't shopped for car insurance for awhile you might remember the days when the only option was to visit a local insurance agent. But now you can eliminate that hassle and buy online!
You can compare insurance rates for a Mercedes-Benz R350 simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Apples-to-Apples! When doing comparison quotes for your R350, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: Top Ways to Get Lower R350 Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a R350.
- When insuring your Mercedes-Benz R350, expect to pay a little more due to the higher performance of the vehicle. On your next purchase consider a lower performance vehicle to save on insurance.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- The R350 would be considered a luxury vehicle, and repair costs are generally higher for more expensive vehicles. This increased cost is passed on to you through a higher insurance cost.
- One of the easiest ways to keep your rates down is to drive safe. One speeding ticket can boost your rates for three years.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- Car insurance rates for a teen driver on a Mercedes-Benz R350 will be expensive no matter what kind of coverage you have. But if you don't need comprehensive and collision, consider dropping those to save money.
- It's very important that you allows keep coverage effective on your vehicles. Having even a one-day lapse in coverage can make your premiums jump higher.
- Claims that aren't much more than your deductible are better off just being paid out of pocket. If you get into a habit of filing smaller claims, you will pay for it in higher rates.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- Most Mercedes-Benz vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- Being a senior citizen can qualify you for a small discount on your insurance rates. Older drivers are generally more cautious so they get a lower rate.
- Vehicle thefts drive up the cost of everyone's insurance, but if your R350 is on the list of the most frequently stolen cars, you might be paying just a little extra.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
Step Three: Select the Best Company for Your Needs
Buying a new car insurance policy is just a matter of finalizing your application form and submitting it with your down payment. Once payment has been accepted, coverage is bound the effective date shown on your application.
It's easiest to cancel an old policy at the renewal date, but you can cancel it anytime. Just make sure you have the new policy effective the date you cancel your old policy in order to avoid any lapse in coverage.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. Coverage that extends from an existing policy is only as good as your current coverage. So if you don't carry full coverage on any vehicles, you won't have it on your new R350.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. If you have received a DUI, reckless driving citation or caused an accident without insurance, you may be required to file an SR-22 with your state DMV. Make sure your new company is aware of the SR-22 filing requirement.
More Resources
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
Recent Blog Articles
