2008 Mercedes-Benz G-Class Insurance Quotes – 8 Tips for Best Rates

Trying to find better insurance rates for your Mercedes-Benz G-Class? Buying the most affordable insurance might seem rather challenging for consumers not familiar with comparing rates and buying insurance on the web. Since there are so many insurance companies available, how can you possibly compare each option to find better prices?

Finding insurance coverage

When looking for inexpensive insurance quotes, there are a couple ways of comparing rates from different companies. The best way to find cheaper 2008 Mercedes-Benz G-Class rates is simply to get online rate quotes. It’s really quite simple and can be done in just a few minutes using one of these methods.

1. One of the fastest ways consumers can make multiple comparisons is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for boring form submissions for each price estimate. Just one form will return price quotes direct from many companies. Just one form and you’re done.
2. A more time consuming way to analyze rates is spending the time to visit the website of each company and fill out their own quote form. For examples sake, we’ll assume you need rates from Progressive, 21st Century and American Family. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular. To view a list of companies in your area, click here.

Compare rates however you want, just ensure you’re using the exact same coverages and limits with every price quote. If you enter different deductibles it will be impossible to determine the best price for your Mercedes-Benz G-Class. Just slight variations in coverage limits could throw off the whole comparison. Just keep in mind that comparing a large number of companies will increase your chances of finding more affordable insurance.

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Are you receiving every discount?

Car insurance companies do not advertise every possible discount very clearly, so here is a list a few of the more well known and the more hidden discounts that may be available.

• Accident Forgiveness Coverage – Not necessarily a discount, but companies like State Farm, Progressive and Geico will forgive one accident before raising your premiums if your claims history is clear for a certain period of time.
• Driver Training Discounts – Completing a course in driver safety is a good idea and can lower rates and make you a better driver.
• New Car Discount – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
• Military Deployment Discount – Being deployed in the military could mean lower insurance coverage rates.
• Discounts for Government Workers – Federal government employees can earn a discount up to 10% for G-Class insurance depending on your company.
• Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
• Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
• Auto/Home Discount – If you can bundle your homeowners and auto insurance with one company you may save approximately 10% to 15%.

Discounts reduce rates, but you should keep in mind that many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you could get a free insurance coverage policy, it just doesn’t work that way.

Car insurance companies who may offer most of the discounts above include:

• American Family
• Nationwide
• MetLife
• 21st Century
• Farmers Insurance
• Allstate

If you need cheap insurance quotes, ask every prospective company the best way to save money. Some of the earlier mentioned discounts might not be offered on policies in your state. If you would like to see a list of insurers with the best discounts, click here to view.

When in doubt talk to an agent

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help you determine whether or not you might need an agent’s assistance.

• Can I rate high risk drivers on liability-only vehicles?
• How much liability coverage do I need in my state?
• Does medical payments coverage apply to all occupants?
• If I drive on a suspended license am I covered?
• Is my dog or cat covered if injured in an accident?
• Am I covered if I hit a deer?
• Do I pay less for low miles?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Save 15 percent in 15 minutes? Is it for real?

Companies like Progressive, Allstate and Geico constantly bombard you with television, radio, and online ads. All the companies have a common claim that people will save just by switching to their company. It sounds good, but how can they all cost less than your current company? It’s all in the words they use.

Many companies are able to cherry pick for the type of insured that makes them money. For example, this type of insured might be over the age of 50, has no claims, and drives a vehicle with a low ISO rating. A customer getting a price quote that meets those criteria will get very good prices and will most likely save money with a new company.

Insureds who cannot meet those criteria may be required to pay higher premiums and ends up with the prospect going elsewhere. The ads say “people who switch” not “everyone who quotes” will save that much if they switch. That’s why companies can truthfully make those statements.

This emphasizes why you should get price quotes at each policy renewal. It is impossible to guess the company that will give you lower prices than your current company.

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Insurance coverages and their meanings

Learning about specific coverages of insurance aids in choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Protection from uninsured/underinsured drivers

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive (Other than Collision)

This pays for damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, vandalism and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like rehabilitation expenses, prosthetic devices and pain medications. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

This pays for damage to your G-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability car insurance

Liability insurance provides protection from damage or injury you incur to a person or their property by causing an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like court costs, structural damage and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Cheaper insurance is a realistic goal

People who switch companies do it for a variety of reasons including high rates after DUI convictions, denial of a claim, policy cancellation and even not issuing a premium refund. It doesn’t matter what your reason, switching companies can be less work than you think.

Throughout this article, we presented a lot of tips how to compare 2008 Mercedes-Benz G-Class insurance prices online. It’s most important to understand that the more times you quote, the higher your chance of finding inexpensive insurance. Consumers could even find that the lowest prices are with a small mutual company.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. Too many times, drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your objective should be to get the best coverage possible at the best possible price and still be able to protect your assets.

Additional articles

• What is Gap Insurance? (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)

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