Compare 2015 Mercedes-Benz G-Class Insurance Rates

Want cheaper insurance rates for your Mercedes-Benz G-Class? People not familiar with comparison shopping online will discover buying affordable insurance is more work than they anticipated.

The purpose of this post is to familiarize you with the best way to quote coverages and some tricks to saving. If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. But vehicle owners benefit from understanding the methods companies use to price insurance differently and take advantage of how the system works.

Some factors that can determine what Mercedes-Benz G-Class insurance costs

Consumers need to have an understanding of some of the elements that come into play when calculating your insurance coverage rates. Knowing what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

The list below includes a few of the “ingredients” insurance coverage companies consider when setting prices.

  • Liability coverage is cheap – Liability insurance will protect you if a jury decides you are liable for causing damage or personal injury in an accident. Liability provides for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.
  • A clean driving record saves money – A bad driving record has a huge affect on how much you pay. Even one ticket can increase rates forty percent or more. Good drivers have lower premiums than bad drivers. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to submit a SR-22 form with the DMV in their state in order to continue driving.
  • Adjust deductibles and save – Your deductibles define the amount you are willing to pay if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Examples of covered claims are running into the backend of another car, collision with an animal, and rolling your vehicle. The more money you’re willing to pay, the less your insurance coverage will be on G-Class coverage.
  • Pay less after the wedding – Getting married can get you a discount when buying insurance coverage. Having a spouse translates into being more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
  • Sex matters – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are better drivers. Men and women are in accidents in similar percentages, but men tend to have more serious accidents. Men also get more serious tickets such as DWI and reckless driving.
  • Little extras can really add up – There are a ton of extra bells and whistles that you can buy when buying insurance coverage. Insurance for rental car reimbursement, towing coverage and membership fees may be wasting your money. They may seem like a good idea initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Where you live can impact rates – Being located in a rural area can save you money when it comes to insurance coverage. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer people means fewer accidents and also fewer theft and vandalism claims.

Cut prices on 2015 Mercedes-Benz G-Class insurance

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Some discounts apply automatically at the time of quoting, but a few need to be asked for in order for you to get them.

  • One Accident Forgiven – Certain companies permit an accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on G-Class coverage.
  • Payment Method – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Multiple Cars – Buying insurance for all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Seat Belt Usage – Requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
  • Military Rewards – Having a family member in the military may qualify for rate reductions.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only cut the cost of specific coverages such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. But all discounts will reduce your premiums.

Car insurance companies that may offer these discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering what discounts are available to you. Some discounts may not be available in every state.

Insurance ads bend the truth

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies say the same thing of big savings if you move your coverage to them. How does each company make the same claim? This is how they do it.

All the different companies have a certain “appetite” for the type of customer that is profitable for them. For example, a desirable insured might be between the ages of 30 and 50, has no prior claims, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get the preferred rates and most likely will save quite a bit of money when switching.

Potential insureds who do not match these standards will be quoted more money which usually ends up with business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that much. That’s why companies can truthfully make the claims of big savings.

This emphasizes why drivers must get as many comparisons as possible. It’s impossible to know which insurance companies will provide you with the cheapest Mercedes-Benz G-Class insurance rates.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no best way to insure your cars. Each situation is unique.

These are some specific questions can aid in determining whether you may require specific advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should I drop full coverage on my 2015 Mercedes-Benz G-Class?
  • Am I missing any policy discounts?
  • Am I covered if I break a side mirror?
  • What is high-risk coverage and where do I buy it?
  • Will my insurance pay for OEM parts?
  • Is there coverage for injuries to my pets?
  • Are split liability limits better than a combined single limit?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form.

Specific coverage details

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability auto insurance

This protects you from damage or injury you incur to people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, structural damage, pain and suffering and loss of income. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for bills such as rehabilitation expenses, nursing services, chiropractic care and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like theft, rock chips in glass, damage from flooding and fire damage. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Mercedes-Benz G-Class.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Collision coverage

This coverage pays for damage to your G-Class resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Save your hard earned cash

You just read many ideas to lower your 2015 Mercedes-Benz G-Class insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the best price on insurance coverage is with a small mutual company.

When shopping online for insurance coverage, it’s a bad idea to buy poor coverage just to save money. In too many instances, someone dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible for the lowest price.

Consumers who switch companies do it for any number of reasons including delays in paying claims, policy cancellation, questionable increases in premium and high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

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