2016 Mercedes-Benz G-Class Insurance Rates

Looking for cheaper car insurance rates for your Mercedes-Benz G-Class? Consumers who just recently started comparing insurance coverage rates online are likely to find purchasing cheap insurance coverage can be quite challenging.

You should take the time to shop coverage around at least once a year because insurance prices change frequently. Despite the fact that you may have had the best deal for G-Class insurance a year ago you may be paying too much now. Don’t believe everything you read about car insurance online but you can learn a lot of great tips on how to quit paying high car insurance rates.

How to lower your insurance prices

Many factors are part of the calculation when premium rates are determined. Some are obvious like a motor vehicle report, although others are not as apparent such as your credit history or your commute time.

The list below includes a few of the things car insurance companies consider when setting your rate level.

• Keep insurance claims to a minimum – Companies give the best rates to insureds who do not rely on their insurance for small claims. If you file a lot of claims you can pretty much guarantee higher rates. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.
• Better credit means lower costs – Credit history is likely to be a major factor in determining what you pay for car insurance. Insureds with excellent credit tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. If your credit history leaves room for improvement, you could be paying less to insure your 2016 Mercedes-Benz G-Class by taking the time to improve your credit score.
• Younger drivers pay high premiums – Youthful drivers are statistically shown to be inattentive with other occupants in the car so car insurance rates are higher. Older drivers are more responsible, are lower risk to insure .
• Which gender costs less? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that women are better drivers. Females and males cause at-fault accidents at about the same rate, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get higher numbers of serious violations like reckless driving and DUI.
• Insure car and home with the same company – Some car insurance companies apply discounts to insureds that have more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even with this discount applied, you still need to compare rates to ensure the best deal. It’s possible to still save even more by insuring with multiple companies.
• Traffic violations are costly – Having a clean driving record has a huge affect on how much you pay. Good drivers pay less for auto insurance compared to drivers with tickets. Even one chargable violation can increase rates twenty percent or more. Drivers unfortunate enough to have serious tickets like reckless driving or DUI may need to complete a SR-22 with their state in order to continue driving.

The quickest method we recommend to compare car insurance company rates is to know the trick most larger insurance companies pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a small amount of information including if you are currently licensed, if a SR-22 is required, if the vehicle is leased, and daily mileage. Your information is submitted instantly to multiple different insurance companies and you should receive rate quotes instantly.

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Insurance companies offer many types of discounts

The price of auto insurance can be rather high, but you may qualify for discounts that may help make it more affordable. Most are applied at quote time, but a few must be inquired about before being credited.

• Home Ownership Discount – Owning a home may trigger a policy discount on insurance since owning and maintaining a home is proof of financial responsibility.
• Driver Education Discount – It’s a good idea to have your young drivers take driver’s ed class if it’s offered in school.
• Bundled Policy Discount – When you combine your auto and home insurance and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Life Insurance – Larger companies have a discount if you purchase some life insurance in addition to your auto policy.
• Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you can actually save on your bill.
• Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
• E-sign Discounts – Certain insurance companies will give a small break shop insurance coverage digitally online.
• Early Renewal Discounts – A few insurance companies give discounts for buying a new policy before your current expiration date. It can save you around 10%.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride. But any discount should help lower your policy premiums.

To view insurance companies with discount rates, click here to view.

Do I just need basic coverages?

When it comes to buying coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you would benefit from professional advice.

• How does medical payments coverage work?
• When do I need to add a new car to my policy?
• Can my babysitter drive my car?
• Will I lose any money if I cancel my policy before it expires?
• How much liability coverage do I need in my state?
• Are rock chip repairs covered?
• Does liability extend to a camper or trailer?
• Should I buy additional glass protection?
• What is the ISO rating for a 2016 Mercedes-Benz G-Class?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Information about specific coverages

Understanding the coverages of auto insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mercedes-Benz G-Class.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for collisions

This covers damage to your G-Class caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, damage from flooding, falling objects, rock chips in glass and a broken windshield. The highest amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

Liability insurance protects you from damage that occurs to people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as attorney fees, funeral expenses, structural damage, pain and suffering and medical services. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for doctor visits, nursing services and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance 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. PIP is not available in all states and gives slightly broader coverage than med pay

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A penny earned…

Some insurance companies may not offer online quoting and most of the time these regional carriers sell through independent agencies. Lower-priced 2016 Mercedes-Benz G-Class insurance is definitely available both online and also from your neighborhood agents, and you should be comparing both to have the best selection.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There have been many situations where someone sacrificed liability coverage limits only to discover later they didn’t purchase enough coverage. The ultimate goal is to buy the best coverage you can find at the best cost.

You just learned quite a bit of information on how to get a better price on 2016 Mercedes-Benz G-Class insurance. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the best price on insurance is with an unexpected company.

Additional insurance information is located below:

• Teen Driver Licensing Information (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• State Car Insurance Guides (Geico)
• Choosing a Car for Your Teen (State Farm)

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