How Much Does 2012 Mercedes-Benz G-Class Insurance Cost?

I can’t think of anyone who enjoys paying for car insurance, especially knowing the cost is too high.

With consumers having so many choices, it can be impossible to pick the most affordable insurer.

It’s a good idea to do rate comparisons on a regular basis since insurance rates are usually higher with each renewal. If you had the lowest price for G-Class coverage on your last policy there is a good chance you can find better rates now. Forget anything you know (or think you know) about car insurance because you’re about to find out how to use the internet to find better coverage at a better price.

The method we recommend to compare insurance rates in your area is to take advantage of the fact most insurance companies have advanced systems to provide you with free rate quotes. The only thing you need to do is spend a couple of minutes providing details such as your credit rating estimate, whether you are married, which vehicles you own, and if it has an alarm system. That rating data is instantly submitted to insurance companies and you receive quotes instantly to find the best rate.

To start a rate quote now, click here and complete the quick form.

Do you qualify for a discount?

Companies that sell car insurance don’t always list every available discount very well, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill depending on where you live.
  • Auto/Home Discount – If you insure your home and vehicles with the same insurance company you will save 10% to 20% off each policy.
  • No Claims – Drivers who don’t have accidents pay less as compared to accident-prone drivers.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy auto and life insurance together.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Resident Student – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.

It’s important to note that some credits don’t apply the the whole policy. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Insurance companies that possibly offer these discounts are:

It’s a good idea to ask each insurance company which discounts you may be entitled to. All car insurance discounts might not be offered everywhere.

Lesser-known factors impacting Mercedes-Benz G-Class insurance rates

Smart consumers have a good feel for the factors that play a part in calculating your car insurance rates. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with better car insurance rates.

Shown below are some of the factors used by your company to calculate rates.

  • Do you know your deductibles? – Your deductibles represent how much money you are required to spend before a claim is paid by your company. Physical damage coverage, also known as collision and other-than-collision, covers damage that occurs to your car. Some instances where coverage would apply are colliding with a building, damage caused by hail, and rolling your vehicle. The more money you are required to pay out-of-pocket, the lower your rates will be for G-Class coverage.
  • Big city or small town – Residing in a rural area can save you money when it comes to car insurance. Fewer drivers translates into fewer accidents and also fewer theft and vandalism claims. City drivers have to deal with traffic congestion and much longer commute distances. More time on the road means more change of being in an accident.
  • Save money with special equipment – Owning a car with an alarm system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent auto theft.
  • Small claims can cost you – Car insurance companies award cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. They both cause accidents in similar percentages, but the males have costlier accidents. They also receive more costly citations such as DWI and reckless driving. Young males tend to get in the most accidents and therefore are the most expensive to insure.
  • Do you have a high stress job? – Did you know that where you work can have an impact on rates? Careers like judges, business owners and financial analysts tend to pay higher average rates due to stressful work requirements and long work hours. Conversely, jobs such as actors, engineers and homemakers have the lowest average rates for G-Class coverage.

What coverages do I need?

When it comes to buying adequate coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • When would I need additional glass coverage?
  • Is my teenager covered with friends in the car?
  • Do I need special endorsements for business use of my vehicle?
  • Is a blown tire covered by insurance?
  • Am I covered if I drive in a foreign country?
  • Is my babysitter covered when using my vehicle?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the minimum liability in my state?
  • Is my camper covered by my car insurance policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Learning about specific coverages of your car insurance policy aids in choosing the best coverages at the best deductibles and correct limits. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Collision coverages – This covers damage to your G-Class resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as driving through your garage door, rolling your car, backing into a parked car, colliding with a tree and scraping a guard rail. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive insurance – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as vandalism, hitting a deer, a broken windshield and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” 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, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Auto liability – This provides protection from damage that occurs to other people or property that is your fault. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like bail bonds, loss of income and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for X-ray expenses, pain medications, rehabilitation expenses, doctor visits and chiropractic care. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

More effort can pay off

We just covered some good ideas how you can compare 2012 Mercedes-Benz G-Class insurance prices online. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Drivers may discover the best prices are with some of the smallest insurance companies. These companies may cover specific market segments cheaper compared to the large companies like Allstate or State Farm.

Budget-conscious insurance can be sourced from both online companies as well as from independent agentsinsurance , and you should compare price quotes from both to get a complete price analysis. Some companies don’t offer online quoting and these small, regional companies work with independent agents.

When shopping online for auto insurance, never reduce coverage to reduce premium. Too many times, an insured dropped uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at an affordable rate, not the least amount of coverage.

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