2017 Mercedes-Benz G-Class Insurance Rates – 10 Ideas for Cheapest Quotes

Trying to find cheaper insurance rates for your Mercedes-Benz G-Class? No one in their right mind looks forward to paying premiums for insurance, in particular when it costs too dang much. Due to the abundance of choices of insurance companies, it can be impossible to find the most affordable insurance company.

Cheapest insurance quotes

Many insurance companies like Progressive, Geico, Allstate and State Farm provide coverage prices online. The process is easy for anyone as you just enter your coverage information into the quote form. After the form is submitted, their quoting system collects reports for credit and driving violations and gives you a price quote. This makes it simple to compare prices but having to visit different websites and type in the same information is repetitive and time-consuming. But it’s necessary to perform this step in order to find the lowest insurance rates.

Keep reading for an easier way to compare prices

The smarter way to lower your insurance bill uses one form that gets prices from several companies at one time. This type of form saves time, eliminates form submissions, and makes online shopping much easier to do. Immediately after submitting the form, it gets priced with multiple companies and you can pick your choice of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process takes just a few minutes to complete and you’ll know if lower rates are available.

To compare rates using this form now, simply click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter your coverages exactly as shown on your declarations page. This helps ensure you will have an apples-to-apples comparison using the same coverage and limits.

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Insurance discounts are available to lower your rates

Insurance can be pricey, but there could be significant discounts that many people don’t even know exist. Some of these disounts will be visible when you quote, but some must be specifically requested prior to getting the savings. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.

• Early Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can avoid monthly service charges.
• Drive Safe and Save – Safe drivers may save up to 50% more for G-Class coverage than drivers with accidents.
• No Charge for an Accident – Not a discount per se, but some companies like Allstate and State Farm will allow you to have one accident without getting socked with a rate hike so long as you haven’t had any claims for a particular time prior to the accident.
• Bundle and Save – If you have multiple policies with the same company you could save over 10 percent off each policy depending on the company.
• College Student Discount – Older children who live away from home to go to college and don’t have a car could qualify for this discount.
• Organization Discounts – Participating in specific professional or occupational memberships or organizations may earn a discount on your policy.
• Senior Citizen Rates – Older drivers may be able to get lower premium rates for G-Class coverage.
• Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts can save up to 10 percent (depending on the company) on the medical payments or PIP coverage costs.
• Smart Student Discounts – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Defensive Driver Discount – Passing a course in safe driver could save 5% or more and make you a better driver.

You can save money using discounts, but most discount credits are not given the the whole policy. Some only reduce the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, insurance companies aren’t that generous.

Larger insurance companies and their possible discounts can be found below.

• 21st Century offers discounts for student driver, early bird, driver training, theft prevention, homeowners, anti-lock brakes, and automatic seat belts.
• State Farm may offer discounts for accident-free, anti-theft, good driver, good student, driver’s education, and defensive driving training.
• AAA offers premium reductions for AAA membership discount, good student, education and occupation, anti-theft, multi-policy, and good driver.
• Liberty Mutual has savings for new move discount, newly retired, good student, exclusive group savings, new graduate, and multi-policy.
• Progressive policyholders can earn discounts including online signing, multi-policy, good student, online quote discount, and multi-vehicle.

Double check with all the companies which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in your area. To locate insurance companies with significant discounts, follow this link.

Everyone needs different insurance coverages

When it comes to buying the best insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might help in determining whether you could use an agent’s help.

• When should I drop full coverage on my 2017 Mercedes-Benz G-Class?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Why am I required to get a high-risk car insurance policy?
• What is the difference between comprehensive and collision coverage?
• Why am I required to buy liability insurance?
• Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

The car insurance bait and switch

Consumers get pounded daily by advertisements for cheaper car insurance by Progressive, Geico, Allstate and State Farm. They all advertise claims of big savings if you move your policy.

How does every company make almost identical claims? This is how they do it.

Car insurance companies can use profiling for the type of customer that earns them the most money. For example, this type of insured should be between 25 and 40, carries high limits, and drives less than 7,500 miles a year. A driver that meets those criteria will get a cheap rate quote and therefore will save if they switch.

Consumers who don’t measure up to those criteria must pay a higher rate which leads to the customer not buying. If you pay attention, the ads say “people who switch” not “everyone who quotes” save money. That’s why insurance companies can confidently make those claims. This really emphasizes why drivers must get a wide range of price quotes. Because you never know with any certainty which company will give you the biggest savings.

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Auto insurance coverage specifics

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most auto insurance policies.

Auto liability

Liability coverage can cover damage that occurs to other people or property in an accident. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like funeral expenses, pain and suffering, medical expenses, repair costs for stationary objects and loss of income. How much coverage you buy is up to you, but you should buy as much as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, colliding with a tree, crashing into a building, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, damage from a tornado or hurricane, hail damage, damage from getting keyed and a broken windshield. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

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

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses such as X-ray expenses, surgery, dental work and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Saving money makes a lot of cents

As you prepare to switch companies, it’s not a good idea to reduce needed coverages to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate.

We just presented a lot of information how to get a better price on 2017 Mercedes-Benz G-Class insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance coverage is with some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive or Geico.

Other resources

• Auto Insurance 101 (About.com)
• Choosing an Insurance Company (Insurance Information Insitute)
• Distracted Driving Statistics (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)

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