How Much Does 2013 Mercedes-Benz G-Class Car Insurance Cost?

Trying to find better insurance rates for your Mercedes-Benz G-Class? Having to pay for overpriced Mercedes-Benz G-Class insurance can overdraw your checking account and make it hard to pay other bills. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Many car insurance companies vie for your hard-earned dollar, and it can be difficult to compare rates and get the definite cheapest price

You need to check insurance prices once or twice a year because prices are variable and change quite frequently. Even if you think you had the best price for G-Class coverage two years ago other companies may now be cheaper. Ignore everything you know about insurance because I’m going to let you in on the secrets to the fastest way to properly buy coverages while reducing your premium.

If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. Choosing the best insurance company for you is not rocket science. Nevertheless, car owners can benefit by having an understanding of how insurance companies market on the web and take advantage of how the system works.

Lower rates by qualifying for discounts

Car insurance is not cheap, but discounts can save money and there are some available that you may not even be aware of. Some trigger automatically at quote time, but some must be inquired about in order for you to get them.

  • College Student – Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz could qualify for lower rates on the low mileage vehicles.
  • Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more for G-Class coverage than less cautious drivers.
  • Memberships – Belonging to certain professional organizations may earn a discount when buying insurance for G-Class coverage.

As a disclaimer on discounts, most discount credits are not given to the entire cost. Some only reduce specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, you won’t be that lucky. Any amount of discount will reduce your overall premium however.

To see a list of insurers with discount insurance rates, click this link.

Factors that can influence Mercedes-Benz G-Class insurance rates

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for car insurance. Understanding what impacts premium levels enables informed choices that could result in lower car insurance prices.

  • Do you need those extra coverages? – There are quite a few extra bells and whistles that you can buy on your G-Class policy. Coverages for personal injury protection, towing coverage and additional equipment coverage may be wasting your money. These may sound like a good investment when talking to your agent, but now you might not need them so eliminate them to save money.
  • Do you know you’re credit rating? – Your credit score is a big factor in determining your rates. If your credit score is lower than you’d like, you could be paying less to insure your 2013 Mercedes-Benz G-Class by improving your credit score. Drivers who have good credit tend to be better drivers and file fewer claims than those with poor credit.
  • Bundling policies can get discounts – Most insurers will award you with lower prices to customers who consolidate policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to compare rates to confirm you are receiving the best rates possible.
  • Safer occupants lowers premiums – Vehicles with good safety scores get lower rates. These vehicles have better occupant injury protection and better occupant protection means lower claim amounts and more competitive rates for policyholders. If your Mercedes-Benz G-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Traffic citations inflate rates – Whether or not you get tickets impacts your car insurance rates tremendously. Only having one citation can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers with dangerous tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state DMV in order to prevent a license revocation.
  • Rural vs Urban Areas – Choosing to live in less populated areas can save you money when it comes to car insurance. Lower population means fewer accidents. Drivers in populated areas have to deal with traffic congestion and longer commutes to work. More time on the road means more change of being in an accident.

Car insurance is unique, just like you

When choosing adequate coverage, there really is no single plan that fits everyone. Everyone’s needs are different so your insurance should reflect that For instance, these questions might help in determining if your situation may require specific advice.

  • Is my trailer covered?
  • How much can I save by bundling my policies?
  • What are the best liability limits?
  • When should I drop full coverage on my 2013 Mercedes-Benz G-Class?
  • Should I file a claim if it’s only slightly more than my deductible?
  • What is roadside assistance coverage?
  • When should my teen driver be added to my policy?
  • Am I covered if I hit a deer?
  • Is my ex-spouse still covered by my policy?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Do you really save 40% when you switch?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all seem to make the same claim that you can save if you move to their company. How can each company say the same thing? It’s all in the numbers.

All companies have a preferred profile for the right customer that makes them money. An example of a profitable customer could be over the age of 50, insures multiple vehicles, and drives newer vehicles. Any driver that hits that “sweet spot” gets the lowest rates and therefore will save a lot of money.

Potential customers who fall outside the “perfect” profile must pay more money and this can result in the customer not buying. The ad wording is “drivers who switch” not “everyone that quotes” save that much. This is how companies can truthfully make those claims.

This illustrates why it is so important to get as many comparisons as possible. It is impossible to predict which insurance companies will provide you with the cheapest Mercedes-Benz G-Class insurance rates.

Car insurance coverage basics

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz G-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision protection

This coverage covers damage to your G-Class resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Liability coverages

Liability insurance can cover damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people. It does not 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. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like funeral expenses, medical expenses, repair costs for stationary objects, emergency aid and loss of income. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills like ambulance fees, pain medications and hospital visits. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a broken windshield, fire damage and falling objects. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Final thoughts

Lower-priced 2013 Mercedes-Benz G-Class insurance is possible online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. There are still a few companies who do not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

In this article, we presented many ideas to lower your insurance rates. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as GEICO and State Farm.

As you shop your coverage around, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price.

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