Lower Your 2017 Mercedes-Benz G-Class Insurance Rates

Buyers have options when searching for the best price on Mercedes-Benz G-Class insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to find the lowest rates.

There are both good and bad ways to shop for car insurance so we’re going to tell you the absolute fastest way to price shop coverage for your Mercedes-Benz and get the lowest possible price either online or from local insurance agents.

It’s a great practice to get comparison quotes every six months since insurance prices go up and down regularly. Even if you think you had the best price on G-Class insurance six months ago you may be paying too much now. Ignore everything you know about car insurance because I’m going to teach you the proper way to remove unneeded coverages and save money.

If you have a current insurance policy or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. This information will familiarize you with how to get online quotes and some tricks to saving. Vehicle owners just need to learn the most effective way to compare rates online.

Take policy discounts and save

Companies that sell car insurance don’t always advertise every discount very clearly, so we researched some of the best known as well as the least known credits available to bring down your rates.

  • Multi-Vehicle Discounts – Buying insurance for multiple vehicles with the same company can get a discount for every vehicle.
  • Homeowners Savings – Owning your own home or condo may earn you a small savings since owning and maintaining a home shows financial diligence.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Sign Early and Save – A few larger companies offer discounts for signing up early. It’s a savings of about 10%.
  • ABS and Traction Control Discounts – Cars and trucks with ABS and/or traction control are much safer to drive so companies give up to a 10% discount.
  • Good Student – Maintaining excellent grades can save 20 to 25%. This discount can apply up to age 25.

One last thing about discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like medical payments or collision. So even though it sounds like you can get free auto insurance, company stockholders wouldn’t be very happy. Any qualifying discounts will positively reduce the amount you have to pay.

If you would like to see a list of providers with significant discounts, click here to view.

How much is insurance?

There are several ways you can shop for insurance and some are less time-consuming than others. You could spend the better part of a day talking to local insurance agents in your area, or you could use the web to achieve your goal.

Most of the best insurance companies are enrolled in a marketplace that enables customers to submit their information once, and each company then returns a price quote based on the submitted data. This saves time by eliminating quote forms to each individual insurance company.

To find out what other companies charge click here to open in new window.

The single downside to getting quotes like this is that consumers can’t choose which insurance companies to get pricing from. If you prefer to choose from a list of companies for rate comparison, we have assembled a list of low cost insurance companies in your area. Click to view list.

Take whichever approach you prefer, but make sure you are using apples-to-apples quote information for each comparison quote. If you use different limits and deductibles on each one you will not be able to find the best deal for your Mercedes-Benz G-Class.

What affects Mercedes-Benz G-Class insurance rates?

Many different elements are part of the equation when you get your auto insurance bill. Some factors are common sense such as traffic violations, but other factors are less obvious like where you live or how safe your car is.A large part of saving on car insurance is knowing some of the things that are used to determine your policy premiums. If you have some idea of what determines premiums, this enables you to make decisions that can earn you lower premium levels.

  • Avoid traffic tickets – Even one speeding ticket or other violation can increase rates by as much as thirty percent. Drivers with clean records tend to pay less for car insurance as compared to careless drivers. Drivers unfortunate enough to have careless violations such as DUI or reckless driving are required to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
  • Mature drivers are lower risk – Teenage drivers are proven to be more careless in a vehicle so car insurance rates are higher. If you’ve ever had to add a teen driver onto a policy can increase premiums substantially. Older, more experienced drivers are viewed as being more responsible, tend to cause fewer accidents and get fewer tickets.
  • Multiple policies with one company – Some insurance companies will award a discount to customers who carry more than one policy. It’s known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to compare rates to ensure the best deal.
  • Uninterrupted coverage lowers prices – Not maintaining insurance can get your license suspended and you will pay a penalty because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance may earn you fines or a revoked license. You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Keep claims to a minimum – If you frequently file small claims, you should expect either higher rates or even cancellation. Car insurance companies provide the best rates to insureds that do not abuse their auto insurance. Insurance coverage is designed for claims that pose a financial burden.
  • Save by driving less – Driving more miles annually the more you’ll pay to insure it. The majority of insurers calculate rates based upon how you use the vehicle. Cars left parked in the garage qualify for better rates than those used for commuting. Incorrect rating for your G-Class may be wasting your money. Double check that your car insurance declarations sheet is showing the correct driver usage.
  • Job reflects on rates – Jobs like real estate brokers, architects and medical professionals usually pay higher premium rates attributed to intense work situations and incredibly demanding work hours. On the flip side, jobs such as professors, historians and the unemployed generally pay rates lower than average on G-Class insurance.
  • Drivers with responsible credit save on car insurance – A driver’s credit score is likely to be a major factor in determining what you pay. If your credit history could use some work, you could pay less to insure your 2017 Mercedes-Benz G-Class by spending a little time repairing your credit. People with high credit scores tend to be more responsible as compared to drivers with bad credit.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Every situation is different.

For instance, these questions might help in determining whether you could use an agent’s help.

  • Can I make deliveries for my home business?
  • Where can I find DUI or SR-22 insurance?
  • Does coverage extend to Mexico or Canada?
  • Can I afford to pay high deductible claims out of pocket?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 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. Usually these coverages are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, theft, hitting a bird and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property by causing an accident. This insurance protects YOU against claims from other people, 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 commonly see policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair costs for stationary objects, loss of income, legal defense fees and structural damage. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision coverage

Collision insurance will pay to fix damage to your G-Class from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like driving through your garage door, sideswiping another vehicle, sustaining damage from a pot hole, hitting a parking meter and hitting a mailbox. Collision coverage makes up a good portion of your premium, 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 to bring the cost down.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like EMT expenses, ambulance fees, chiropractic care, funeral costs and X-ray expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Make a quick buck

Insureds leave their current company for a variety of reasons including denial of a claim, high rates after DUI convictions, unfair underwriting practices or delays in paying claims. Whatever your reason, finding a new insurance coverage company is not as difficult as it may seem.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability limits or collision coverage and learned later that it was a big mistake. The proper strategy is to buy the best coverage you can find at an affordable rate, but do not skimp to save money.

In this article, we presented a lot of tips how to compare 2017 Mercedes-Benz G-Class insurance rates online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable auto insurance. You may be surprised to find that the best price on insurance coverage is with some of the smallest insurance companies.

For more information, feel free to browse the following helpful articles: