Cheap 2013 Mercedes-Benz G-Class Insurance Quotes

Looking for lower car insurance rates for your Mercedes-Benz G-Class? Are you overwhelmed by the crazy number of car insurance options? Many other drivers are as well. There are so many options that it can turn into a ton of work to find the best price.

It’s important to take a look at other company’s rates occasionally since insurance rates are constantly changing. Just because you found the lowest price on G-Class coverage last year you can probably find a lower rate today. Starting now, block out anything you think you know about car insurance because you’re going to get a crash course in one of the easiest ways to find better rates and still maintain coverage.

The best way we recommend to get policy rate comparisons is to realize auto insurance companies participate in online systems to provide you with a free rate quote. The only thing you need to do is give them rating details such as your job, any included safety features, whether you are married, and if a SR-22 is required. That information is submitted instantly to many highly-rated insurers and you receive quotes within a short period of time.

These discounts can lower your rates

Car insurance is not cheap, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked for before they will apply.

  • Discount for Good Grades – This discount can earn a discount of 20% or more. This discount can apply up until you turn 25.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on G-Class coverage than drivers with accident claims.
  • Accident Forgiveness – A few companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Memberships – Belonging to a qualifying organization is a good way to get lower rates on your policy on G-Class coverage.
  • Life Insurance – Some companies give better rates if you take out auto and life insurance together.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on G-Class coverage depending on your company.

Keep in mind that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. Any amount of discount will reduce the amount you have to pay.

Companies who might offer these benefits include:

Check with each company which discounts they offer. Some discounts may not be available in every state.

Mercedes-Benz G-Class insurance premiums are calculated by many factors

Consumers need to have an understanding of the factors that come into play when calculating auto insurance rates. Having a good understanding of what controls the rates you pay enables informed choices that can help you get better auto insurance rates.

  • Better credit scores mean better rates – Credit score is a large factor in determining your rates. Drivers with good credit tend to file fewer claims and have better driving records than those with lower credit scores. If your credit rating is low, you could be paying less to insure your 2013 Mercedes-Benz G-Class by spending a little time repairing your credit.
  • Big city or small town – Living in less populated areas has it’s advantages when buying auto insurance. Lower population means a lower chance of having an accident. Urban drivers tend to have congested traffic and longer commutes to work. Longer commute distances translates into higher accident risk.
  • Bundling policies can get discounts – Some companies give discounts to policyholders who have multiple policies with them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. If you currently are using one company, it’s still a good idea to compare rates to ensure the best deal. Drivers may still find better rates by buying auto insurance from a different company.
  • Don’t buy coverages you don’t need – There are a ton of additional coverages that you can get tricked into buying on your 2013 G-Class policy. Coverages like roadside assistance, accidental death and motor club memberships are examples of these. They may seem good initially, but if you don’t need them get rid of them and save.
  • Teen drivers pay high rates – Teen drivers have a tendency to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
  • Better crash test results mean better rates – Vehicles with good safety scores can get you lower premiums. The safest vehicles result in less severe injuries and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Mercedes-Benz G-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Claim-free discounts can add up – If you tend to file frequent claims, you can look forward to either higher rates or even cancellation. Car insurance companies provide lower rates to policyholders who file claims infrequently. Car insurance is intended for larger claims.
  • Rates may be lower depending on your job – Occupations like judges, social workers and financial analysts tend to pay higher average rates attributed to high stress and long work hours. Conversely, occupations such as farmers, engineers and retirees have the lowest average rates on G-Class coverage.

Different people need different coverages

When choosing adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • Is my dog or cat covered if injured in an accident?
  • What is the minimum liability in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I break a side mirror?
  • When would I need additional glass coverage?
  • Do I need an umbrella policy?
  • Is a blown tire covered by insurance?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form.

Coverage specifics

Having a good grasp of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Collision coverages – This covers damage to your G-Class from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz G-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

Coverage for medical expenses – Med pay and PIP coverage pay for short-term medical expenses such as X-ray expenses, surgery, prosthetic devices and dental work. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – Liability insurance will cover damage or injury you incur to people or other property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like attorney fees, structural damage, medical expenses, medical services and pain and suffering. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive car insurance – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Saving money makes a lot of cents

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits only to regret they didn’t have enough coverage. Your goal should be to get the best coverage possible at a price you can afford.

Insureds switch companies for a number of reasons such as delays in paying claims, lack of trust in their agent, policy cancellation and even questionable increases in premium. No matter why you want to switch, finding a new insurance coverage company is not as difficult as it may seem.

The cheapest 2013 Mercedes-Benz G-Class insurance can be sourced online and also from your neighborhood agents, so you should compare both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

Even more information can be found by following these links: