2003 Mercedes-Benz G-Class Car Insurance Quotes – 8 Ways to Save

Trying to find cheaper insurance rates? Buyers have a choice when searching for the lowest priced Mercedes-Benz G-Class insurance. They can either waste time calling around to compare prices or use the internet to compare rates.

There are both good and bad ways to shop for insurance so we’re going to tell you the proper way to quote coverages on a Mercedes-Benz and find the best price possible either online or from local insurance agents.

If you are insured now or are shopping for new coverage, you can follow these tips to shop for the lowest rates and still get good coverage. The purpose of this article is to teach you the best way to quote coverages and some money-saving tips. Drivers only need to know the most efficient way to get comparison rates online.

Shop insurance coverage online

Getting cheaper 2003 Mercedes-Benz G-Class insurance coverage pricing is actually quite simple. All you need to do is invest a few minutes to compare rate quotes to discover which company has low cost car insurance quotes. This can be done in a couple of different ways.

  1. The easiest and least time consuming way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do repetitive form entry to each individual insurance coverage company. Completing one form will get you price quotes from all major companies. It’s the fastest way to compare.
  2. A different way to get quotes online requires a visit to each company’s website and fill out a new quote form. For instance, let’s assume you want to compare prices for State Farm, 21st Century and Liberty Mutual. In order to compare rates, you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular. For a list of companies in your area, click here.
  3. The old school method to find cheaper rates is making phone calls or going to each insurance agency near you. Doing it all online makes this process obsolete unless you have a need for the trained advice only provided by licensed agents. Although, it is possible compare online quotes and get advice from an agent in your area.

It’s up to you how you get prices quotes, just double check that you are using the exact same deductibles and coverage limits for every company. If you enter different deductibles you can’t possibly determine which rate is truly the best.

Do drivers who switch really save $418 a year?

Consumers can’t escape the ads that claim the best car insurance rates by companies like 21st Century, Allstate and State Farm. They all have a common claim that you’ll save big just by moving your insurance policy to them.

How does every company give you a better price? Here is how they do it.

Many companies quote the lowest rates for the type of driver that will generate a profit. A good example of a profitable insured might be described as a married female, has no driving citations, and has great credit. Any customer who matches that profile will get very good rates as well as cut their rates substantially.

Consumers who do not fit the requirements will get a higher rate and the prospect going elsewhere. If you listen closely, the ads state “people who switch” not “everybody who quotes” save that much. That is how insurance companies can confidently make those claims.

This really illustrates why you really need to do a price quote comparison at every renewal. Because you never know the company that will have the best car insurance rates for your profile.

These eight discounts can lower your car insurance quotes

Car insurance is not an enjoyable expense, but companies offer discounts to cut the cost considerably. Larger premium reductions will be automatically applied when you purchase, but once in a while a discount must be specifically requested in order for you to get them. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if it’s offered in school.
  • Multi-Vehicle Discounts – Having multiple cars or trucks with one company can reduce the rates for all insured vehicles.
  • Claim Free – Claim-free drivers pay much less when compared with policyholders that have many claims.
  • ABS Brakes – Cars and trucks with ABS and/or traction control prevent accidents so you can save 10 percent or more.
  • Save over 55 – If you qualify as a senior citizen, you can get better car insurance rates on G-Class insurance.
  • Paper-free Discount – Many larger companies provide a small discount get car insurance over the internet.
  • Own a Home – Just being a homeowner may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Renewal Discounts – A few larger companies allow discounts for buying a new policy prior to your current policy expiration. This discount can save up to 10%.

As a sidenote, most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think you could get a free car insurance policy, companies wouldn’t make money that way.

Popular car insurance companies and a selection of discounts include:

  • Progressive offers premium reductions for multi-policy, online signing, homeowner, online quote discount, and multi-vehicle.
  • SAFECO may offer discounts for multi-car, accident prevention training, teen safety rewards, anti-theft, anti-lock brakes, and safe driver.
  • American Family has savings for mySafetyValet, TimeAway discount, good driver, defensive driver, and multi-vehicle.
  • MetLife has discounts for defensive driver, multi-policy, accident-free, good student, good driver, claim-free
  • GEICO may include discounts for multi-policy, federal employee, multi-vehicle, emergency military deployment, defensive driver, five-year accident-free, and daytime running lights.
  • The Hartford offers discounts for vehicle fuel type, driver training, good student, bundle, anti-theft, and defensive driver.

If you need inexpensive car insurance quotes, ask every company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area. If you would like to choose from a list of insurance companies with significant discounts, click here to view.

Different people need different insurance coverage coverages

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • Am I covered when driving on a suspended license?
  • When should I drop full coverage on my 2003 Mercedes-Benz G-Class?
  • What happens if I owe more than my 2003 Mercedes-Benz G-Class is worth?
  • Am I covered when using my vehicle for business?
  • Why do I need rental car insurance?
  • What should my uninsured motorist coverage limits be in my state?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Auto insurance coverage options for a Mercedes-Benz G-Class

Understanding the coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Collision coverage – Collision insurance will pay to fix damage to your G-Class caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a building, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like X-ray expenses, chiropractic care, EMT expenses and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Liability – Liability coverage can cover damage that occurs to people or other property. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, medical services and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz G-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive auto coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from flooding, falling objects, hail damage, rock chips in glass and theft. The maximum 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 dropping full coverage.

Smart consumers save more

Insureds leave their current company for any number of reasons including policy cancellation, an unsatisfactory settlement offer, questionable increases in premium or even delays in paying claims. It doesn’t matter why you want to switch switching car insurance companies is easier than you think.

Cheaper 2003 Mercedes-Benz G-Class insurance is possible on the web and with local insurance agents, so you should compare both to have the best selection. Some companies do not provide rates over the internet and these regional insurance providers provide coverage only through independent agents.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. In many cases, someone dropped liability coverage limits and learned later that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

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