2007 Mercedes-Benz G-Class Insurance Rates – 7 Ideas for Cheaper Quotes

Trying to find lower auto insurance rates for your Mercedes-Benz G-Class? Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, there are lots of people in the same boat. Because you have many different company options, it’s difficult to locate the most cost effective company.

Choosing the best insurance company for you is easy if you know what you’re doing. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using these techniques. Drivers just need to understand the proper methods to buy car insurance over the internet.

Auto Insurance Prices

Finding cheaper 2007 Mercedes-Benz G-Class auto insurance prices doesn’t have to be difficult. All you need to do is take the time to compare quotes provided by online insurance companies. This can be done in several different ways.

  1. The best way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing repetitive form submissions for every auto insurance company. Filling out one form will return price quotes instantly.
  2. A slightly less efficient method to shop for auto insurance online requires you to visit each company website to complete their respective quote request forms. For sake of this example, let’s say you want comparison quotes from Farmers, Esurance and Allstate. To find out each rate you need to take the time to go to each site to input your insurance information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just be sure to compare the exact same information on every quote you get. If you use different liability limits it’s impossible to find the best deal for your Mercedes-Benz G-Class.

Ads can be misleading

Consumers constantly see and hear ads for the lowest price auto insurance from companies such as State Farm, Allstate and Geico. They all seem to say the same thing about savings if you move your policy.

How can each company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of driver they prefer to insure. A good example of a profitable customer might be profiled as over the age of 50, is a homeowner, and has a short commute. Any new insured who matches those parameters will qualify for the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential customers who do not match these standards must pay a more expensive rate which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “everybody who quotes” save that much. This is how companies can claim big savings. This illustrates why it’s extremely important to get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest Mercedes-Benz G-Class insurance rates.

More discounts equal less premium

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so here is a list both the well known and the more hidden discounts you could be receiving. If they aren’t giving you every credit available, you are throwing money away.

  • Low Mileage – Fewer annual miles on your Mercedes-Benz could qualify for better rates on cars that stay parked.
  • New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Distant Student – Children who live away from home without a vehicle on campus can receive lower rates.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Driver Safety – Successfully completing a defensive driving course could cut 5% off your bill if your company offers it.
  • No Claims – Drivers with accident-free driving histories pay less when compared to bad drivers.
  • No Charge for an Accident – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.

Drivers should understand that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way.

To see a list of insurance companies who offer insurance coverage discounts, click here to view.

It’s not one size fits all

When it comes to buying the right insurance coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different so this has to be addressed. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • Can my teen drive my company car?
  • How do I buy GAP insurance?
  • Is my ex-spouse still covered by my policy?
  • When would I need rental car insurance?
  • What exactly is covered by my policy?
  • What is UM/UIM insurance?
  • Do I really need UM/UIM coverage?
  • What are the best liability limits?

If you’re not sure about those questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Specific coverages for a 2007 Mercedes-Benz G-Class

Learning about specific coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average insurance policy.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Collision insurance

This will pay to fix damage to your G-Class resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like damaging your car on a curb, crashing into a building, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Auto liability

This coverage will cover damage that occurs to other’s property or people in an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, attorney fees, structural damage and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, damage from a tornado or hurricane, falling objects, rock chips in glass and hitting a deer. The maximum payout a 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 it’s probably time to drop comprehensive insurance.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills like surgery, X-ray expenses, rehabilitation expenses and chiropractic care. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Find Good Coverage for Less

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

We just covered many tips how you can shop for 2007 Mercedes-Benz G-Class insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest premiums are with the smaller companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or Geico.

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