2017 Mercedes-Benz G-Class Car Insurance Rates – 7 Tips for Cheapest Quotes

Trying to find cheaper auto insurance rates for your Mercedes-Benz G-Class? I can’t think of anyone who likes having to buy auto insurance, especially when it costs too dang much. With people having so many different company options, it can be impossible to choose the right insurer.

You need to compare rates quite often because auto insurance prices are adjusted regularly by insurance companies. Even if you think you had the lowest price on G-Class insurance six months ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, but you can learn some of the best ways to put money back in your pocket.

The purpose of this article is to familiarize you with how to effectively get price quotes. If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Drivers just need to learn the proper methods to shop for car insurance online.

How to get affordable insurance coverage

There are a lot of ways to compare insurance coverage prices but some are easier and takes less work. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use the internet to get prices fast.

Many popular insurance companies belong to a marketplace that allows shoppers to enter their policy data once, and at least one company can give them a price. This prevents consumers from doing quote forms to each individual insurance coverage company. To fill out one form to compare multiple rates now click to open in new window.

The single downside to comparing rates this way is that you can’t choose which carriers you will receive quotes from. If you wish to select specific providers to receive pricing from, we have assembled a list of companies who write insurance coverage in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just make sure you are using equivalent coverage information on every price quote you get. If you enter different deductibles it will be very difficult to make a fair rate comparison.

Double check you’re getting these seven discounts

Companies that sell car insurance don’t always list their entire list of discounts in an easy-to-find place, so we took the time to find a few of the more common and also the lesser-known discounts that you may qualify for. If you don’t get every credit you qualify for, you are paying more than you should be.

  • Seat Belt Discounts – Forcing all vehicle occupants to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
  • Air Bags and Passive Restraints – Options like air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Online Discount – Many car insurance companies will give a small break shop auto insurance online.
  • Accident Waiver – Not a discount per se, but companies like Liberty Mutual, Allstate and State Farm permit an accident before your rates go up if your claims history is clear prior to the accident.
  • ABS Brakes – Cars, trucks, and SUVs with ABS and/or traction control are much safer to drive so you can save 10 percent or more.
  • Own a Home – Just owning your own home can earn you a little savings since home ownership is proof of financial responsibility.
  • Theft Prevention Discount – Vehicles that have factory alarm systems and tracking devices can help prevent theft and earn discounts up to 10% off your auto insurance quote.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. Despite the appearance that you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce your premiums.

Companies and their offered discounts can be read below.

  • State Farm includes discounts for anti-theft, multiple policy, Steer Clear safe driver discount, Drive Safe & Save, student away at school, and good student.
  • Farmers Insurance offers discounts for bundle discounts, pay in full, teen driver, youthful driver, early shopping, and multi-car.
  • Progressive discounts include multi-policy, homeowner, multi-vehicle, online signing, and continuous coverage.
  • Geico has discounts for defensive driver, multi-vehicle, anti-lock brakes, air bags, good student, military active duty, and seat belt use.
  • Auto-Owners Insurance may offer discounts for teen driver, air bags, safe vehicle, mature driver, and group or association.
  • The Hartford policyholders can earn discounts including bundle, good student, driver training, anti-theft, and defensive driver.
  • Farm Bureau may include discounts for good student, 55 and retired, multi-vehicle, youthful driver, and renewal discount.
  • USAA has savings for safe driver, annual mileage, loyalty savings, multi-vehicle, good student, new vehicle, and multi-policy.

If you need lower rates, check with each company or agent the best way to save money. Depending on the company, some discounts may not apply in your area. If you would like to choose from a list of insurers that offer discounts, click here to view.

Special considerations

When it comes to choosing adequate coverage, there really is not a one size fits all plan. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that might help in determining if your situation may require specific advice.

  • Where can I find high-risk insurance?
  • Is my nanny covered when driving my vehicle?
  • Does insurance cover damages from a DUI accident?
  • What is the minimum liability in my state?
  • Do I need higher collision deductibles?
  • When should my teen driver be added to my policy?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Slick advertising tricks that work

Consumers can’t get away from ads that claim the cheapest premium rates from companies such as State Farm and Allstate. All the companies try to convey promises that drivers can save some big amount if you move to their company.

But how can every company make the same claim? It’s all in the words they use.

Insurance coverage companies have a preferred profile for the type of driver that will add to their bottom line. One example of this type of risk profile may need to be between the ages of 40 and 55, has no claims, and drives less than 10,000 miles a year. Any person that matches those criteria will get very good rates as well as pay quite a bit less when switching companies.

People who cannot meet this stringent profile will have to pay a higher premium which results in business not being written. If you listen to the ad wording, they say “drivers that switch” not “everyone who quotes” save that much money. That’s why insurance companies can lure you into getting a quote.

This emphasizes why drivers must compare many company’s car insurance rates. You cannot predict which insurance companies will be your best fit.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.

Liability coverages

Liability insurance can cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things like attorney fees, loss of income, structural damage and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as EMT expenses, doctor visits, hospital visits, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, hitting a bird, theft, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

Collision insurance will pay to fix damage to your G-Class resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a ditch, backing into a parked car, sideswiping another vehicle, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz G-Class.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

The bottom line

When trying to cut insurance costs, you should never buy less coverage just to save a little money. There are many occasions where an insured dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. Your strategy should be to buy a smart amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Cheaper auto insurance can be found both online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies don’t offer rates over the internet and usually these small insurance companies provide coverage only through independent insurance agents.

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