2002 Mercedes-Benz G-Class Insurance Rates – 7 Policy Discounts

Are you confused by the wide range of insurance options? Lot’s of other consumers are too. Consumers have so many options that it can be a ton of work to compare prices.

The quickest method to compare rates is to know the trick auto insurance companies provide online access to compare rate quotes. The one thing you need to do is take a few minutes to give details including if the vehicle is leased, the ages of drivers, an estimate of your credit level, and coverage limits. That rating data is automatically sent to insurance companies and they return rate quotes quickly.

It’s not one size fits all

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that might point out whether or not you would benefit from professional advice.

• How many claims can I have before being cancelled?
• Will I lose any money if I cancel my policy before it expires?
• Why does it cost so much to insure a teen driver?
• Does having multiple vehicles earn me a discount?
• Do I benefit by insuring my home with the same company?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Am I covered if I wreck a rental car?
• When should I drop full coverage on my 2002 Mercedes-Benz G-Class?
• Am I better off with higher deductibles on my 2002 Mercedes-Benz G-Class?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, complete this form.

Car insurance 101

Having a good grasp of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as hospital visits, dental work and funeral costs. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, vandalism, a broken windshield and fire damage. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance – This coverage can cover injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as bail bonds, funeral expenses, repair bills for other people’s vehicles, emergency aid and medical services. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision – This coverage pays for damage to your G-Class caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.