Cheaper 2007 Mercedes-Benz G-Class Insurance Quotes

Finding the cheapest insurance for a Mercedes-Benz G-Class could be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare insurance coverage rates and we’ll show you the absolute fastest way to price shop coverage for a Mercedes-Benz and get the best price possible either online or from local insurance agents.

Finding affordable coverage is easy if you know what you’re doing. If you have insurance now or are looking for a new policy, you can use these techniques to find the best rates while maximizing coverage. Consumers just need to know the proper way to shop their coverage around online.

Mercedes-Benz G-Class insurance premiums are calculated by many factors

Smart consumers have a good feel for the different types of things that go into determining the price you pay for insurance. Knowing what controls the rates you pay allows you to make educated decisions that can help you get big savings.

  • Lower rates with optional equipment – Owning a car that has an advanced theft prevention system can get you a discount on your insurance. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent your car from being stolen.
  • Increase deductibles and save – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercedes-Benz. A few examples of covered claims are colliding with a building, damage caused by hail, and windstorm damage. Physical damage deductibles are how much you are required to spend if you file a covered claim. The more expense you have to pay, the bigger discount you will receive for G-Class insurance.
  • Don’t sacrifice liability coverage – The liability section of your policy is the coverage that protects you when you are found to be at fault for damages from an accident. Liability provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • How your age affects price – Youthful drivers are known to be more careless when behind the wheel so insurance rates are higher. Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Marriage brings a discount – Getting married actually saves money on your insurance policy. Having a spouse means you’re more mature and responsible and statistics show being married results in fewer claims.
  • Males pay more for insurance – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Women and men are in accidents at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations like reckless driving and DUI.
  • Extra add-on coverages are wasting money – There are many add-on coverages that you can get tricked into buying when buying insurance. Things like roadside assistance, accidental death and additional equipment coverage are examples of these. They may seem like a good idea initially, but now you might not need them so remove them from your policy.

Cheap Car Insurance Comparisons

Lowering your 2007 Mercedes-Benz G-Class car insurance rates is a fairly straight forward process. You just need to take a few minutes comparing rate quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

The best way to find low rates is to use a rate comparison form click here to open form in new window. This form saves time by eliminating a different quote for each company. Completing one form gets you price quotes from many national carriers. Just one form and you’re done.

A less efficient way to get comparison quotes consists of visiting the website for every company you want to comare and request a quote. For sake of this example, we’ll assume you want to compare Allstate, 21st Century and Progressive. To get rate quotes you would need to visit each site and enter your information, and that’s why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least recommended way of getting rate comparisons is to waste gas driving to different agent offices. Buying insurance online has reduced the need for local agents unless you require the trained guidance that only a license agent can provide. However, consumers can get the lowest quotes online but still have the advice of a local agent.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverages and limits on every quote. If you enter different values for each quote then you won’t be able to determine which rate is truly the best.

Do car insurance companies bend the truth?

Drivers can’t ignore all the ads for car insurance savings by State Farm, GEICO and Progressive. They all have a common claim about savings if you move to their company.

How do they all say the same thing?

Different companies have a certain “appetite” for the type of driver that makes them money. For instance, a profitable customer might be a mature driver, owns a home, and has a short commute. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save when switching.

Drivers who don’t meet these standards will be charged higher prices and ends up with the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save money. That’s the way companies can make the claims of big savings. That is why it’s extremely important to get as many comparisons as possible. You cannot predict which company will fit your personal profile best.

Discounts mean cheaper Mercedes-Benz G-Class insurance rates

Auto insurance companies do not list all available discounts very clearly, so the following is a list of both well-publicized and the harder-to-find auto insurance savings. If you’re not getting every credit you deserve, you are throwing money away.

  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.
  • Accident Forgiveness – A few companies will forgive one accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • New Car Discount – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Paperless Signup – A handful of insurance companies will give a small break just for signing your application online.
  • Student in College – Youth drivers who are attending college and don’t have a car may qualify for this discount.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.

Drivers should understand that most credits do not apply to all coverage premiums. Some only apply to individual premiums such as comp or med pay. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A partial list of companies that may have these discounts include:

Double check with every prospective company how you can save money. All car insurance discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your situation may require specific advice.

  • Is extra glass coverage worth it?
  • Can I make deliveries for my home business?
  • When should I buy a commercial auto policy?
  • Is motorclub coverage worth it?
  • Can my teen driver be rated on a liability-only vehicle?
  • How does medical payments coverage work?
  • How do I buy GAP insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I pay less if my vehicle is kept in my garage?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

What car insurance coverages do you need?

Understanding the coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Collision coverage

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

Collision coverage protects against things such as colliding with a tree, damaging your car on a curb and colliding with another moving vehicle. This coverage can be expensive, 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 in order to get cheaper collision rates.

Comprehensive car insurance

This coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from getting keyed, hitting a deer and damage from flooding. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 2007 Mercedes-Benz G-Class.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like dental work, doctor visits, chiropractic care and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability auto insurance

This protects you from damage that occurs to a person or their property in an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for things like medical services, bail bonds, funeral expenses and emergency aid. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

A penny saved is a penny earned

In this article, we covered many ways to lower your 2007 Mercedes-Benz G-Class insurance rates. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with a lesser-known regional company.

When trying to cut insurance costs, don’t be tempted to buy poor coverage just to save money. In too many instances, an insured cut full coverage only to discover later that the small savings ended up costing them much more. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

Cheaper insurance can be found online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Additional information