2011 Mercedes-Benz G-Class Insurance Cost – 9 Ideas for Cheaper Prices

Want cheaper auto insurance rates for your Mercedes-Benz G-Class? If you are a novice to online auto insurance shopping, it’s easy to be confused by the large number of online companies all offering big savings.

You should take the time to compare prices at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the lowest rates for G-Class insurance last year there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate the only way to eliminate unnecessary coverages and save money.

Discounts are basically free money

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Some trigger automatically when you quote, but some must be asked about before you get the savings.

  • One Accident Forgiven – A few companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
  • Claim Free – Good drivers with no accidents pay much less compared to bad drivers.
  • New Vehicle Savings – Insuring a new car can save up to 30% compared to insuring an older model.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Driver Safety – Taking part in a course teaching defensive driving skills can save you 5% or more if you qualify.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for G-Class insurance depending on your company.

It’s important to note that many deductions do not apply to all coverage premiums. Most only apply to specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. Any qualifying discounts will help reduce your overall premium however.

A partial list of companies that may have these discounts include:

Check with each insurance company which discounts they offer. Discounts may not apply in your area.

Which insurance is the “right” coverage?

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine whether your personal situation may require specific advice.

  • Are my tools covered if they get stolen from my vehicle?
  • Can I afford to buy a different vehicle if my 2011 Mercedes-Benz G-Class is totaled?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can my teen drive my company car?
  • Can I drive in Mexico and have coverage?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Misconceptions in car insurance advertisements

Car insurance companies such as Progressive, Geico, Allstate and State Farm consistently run television and radio advertisements. They all seem to make an identical promise of big savings if you change your coverage to them. How does each company make almost identical claims? It’s all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer might be profiled as over the age of 50, owns a home, and drives less than 7,500 miles a year. A propective insured who fits that profile receives the best rates and therefore will save when they switch companies.

Drivers who don’t measure up to these standards will have to pay higher prices which leads to business not being written. The ads state “drivers who switch” not “people who quote” save that much. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, you need to get as many quotes as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Mercedes-Benz G-Class insurance rates.

Insurance specifics

Understanding the coverages of your insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, crashing into a building, rolling your car and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, pain and suffering and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, doctor visits, EMT expenses and nursing services. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, damage from flooding and damage from a tornado or hurricane. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

Throughout this article, we presented some good ideas how to shop for 2011 Mercedes-Benz G-Class insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Consumers could even find that the best price on car insurance is with a small local company.

Discount insurance can be sourced both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

People who switch companies do it for many reasons like policy cancellation, high prices, unfair underwriting practices or denial of a claim. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

Even more information can be read in the articles below: