Lower Your 2004 Mercedes-Benz G-Class Insurance Rates

Want cheaper auto insurance rates for your Mercedes-Benz G-Class? I can’t think of a single person who loves paying for auto insurance, especially knowing they could find lower prices if they just compared rates.

Big companies like State Farm, Progressive and GEICO continually hit you with advertising and it can be hard to separate fact from fiction and take the time to shop coverage around.

You need to compare rates on a regular basis since prices change quite often. Despite the fact that you may have had the best price for G-Class insurance last year you can probably find a better rate quote now. Forget all the misinformation about auto insurance because you’re about to find out how to use the internet to get good coverage at a lower rate.

Insurance policy discounts you can’t miss

Insurance is not inexpensive, but discounts can save money and there are some available that many consumers don’t even know exist. Certain credits will be shown at quote time, but some discounts are required to be asked for in order for you to get them. If you do not check that you are getting every discount you deserve, you’re paying more than you need to.

  • Safety Restraint Discount – Requiring all passengers to use their safety belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Telematics Discount – Drivers who elect to allow their insurance company to look at where and when they drive by using a telematics device like Allstate’s Drivewise could possibly reduce rates as long as they are good drivers.
  • Discounts for Responsible Drivers – Drivers without accidents can save up to 40% or more on their auto insurance quote for G-Class insurance compared to accident prone drivers.
  • No Charge for an Accident – Not a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
  • Home Ownership Discount – Owning a home may trigger a policy discount on insurance since owning and maintaining a home requires personal responsibility.
  • Distant Student Discount – Youth drivers who live away from home at college and do not have a car can receive lower rates.

Policy discounts save money, but most discount credits are not given to the entire cost. Most only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like adding up those discounts means a free policy, that’s just not realistic.

Larger insurance companies and a partial list of their discounts are shown below.

  • Progressive discounts include homeowner, good student, multi-vehicle, online quote discount, and online signing.
  • AAA offers premium reductions for anti-theft, multi-car, AAA membership discount, good driver, and pay-in-full.
  • Farmers Insurance has discounts for electronic funds transfer, mature driver, distant student, switch companies, bundle discounts, and multi-car.
  • GEICO includes discounts for air bags, multi-vehicle, five-year accident-free, daytime running lights, driver training, defensive driver, and multi-policy.
  • Esurance offers discounts including claim free, Pac-12 alumni, Switch & Save, paid-in-full, defensive driver, emergency road assistance, and anti-lock brakes.
  • SAFECO may include discounts for anti-theft, accident prevention training, safe driver, bundle discounts, teen safety rewards, multi-car, and teen safe driver.
  • State Farm may have discounts that include driver’s education, defensive driving training, accident-free, good driver, anti-theft, and passive restraint.

If you need cheap auto insurance quotes, ask every insurance company which discounts they offer. Discounts may not apply to policies in your area. For a list of insurance companies with discount insurance rates, click here.

Smart consumers can reduce their insurance costs

Many factors are considered when you get a price on insurance. Some factors are common sense such as your driving record, but other factors are more obscure such as your credit history or your commute time.

The items below are some of the things used by companies to determine premiums.

  • Frequent claims increase rates – If you are a frequent claim filer, you can pretty much guarantee either policy cancellation or increased premiums. Insurance companies give lower rates to policyholders that do not abuse their auto insurance. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Poor credit can mean higher costs – A driver’s credit score factor in your rate calculation. Insureds with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores. If your credit is not that good, you could save money insuring your 2004 Mercedes-Benz G-Class if you clean up your credit.
  • See if your company offers a multi-policy discount – Some insurance companies allow discounts to people who have multiple policies with them, otherwise known as a multi-policy discount. This can amount to anywhere from five to ten percent in most cases. Even with this discount applied, you still need to compare rates to help guarantee you have the best rates.There is a chance you can save even more than the discount by buying insurance from more than one company.
  • Gender impacts costs – Statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. They both are in auto accidents in similar percentages, but the male of the species have accidents that have higher claims. Men also have more aggressive citations such as driving while intoxicated (DWI) or driving recklessly.
  • Teenagers are high risk – Older people have been proven to be more responsible, statistically cause fewer accidents , and are generally more financially stable.Young drivers are known to get distracted easily with other occupants in the car so insurance rates are higher.
  • Pay more by driving carelessly – Having just one moving violation could increase your next policy renewal by as much as thirty percent. Drivers with clean records have lower premiums than bad drivers. Drivers who get multiple tickets like DUI or reckless driving might be required by their state to submit a SR-22 form with their state DMV in order to drive a vehicle legally.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if you would benefit from an agent’s advice.

  • Is business equipment covered while in my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is upholstery damage covered by car insurance?
  • What is the ISO rating for a 2004 Mercedes-Benz G-Class?
  • Is my nanny covered when driving my vehicle?
  • When can my company non-renew my policy?

If you can’t answer these questions but a few of them apply, you might consider talking to 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.

Do drivers who switch really save $410 a year?

Popular auto insurance providers such as Progressive, GEICO, Allstate and State Farm consistently run ads in print and on television. They all advertise claims that drivers can save some big amount if you get a free auto insurance quote and switch to them. How does every auto insurance company lower your premium rates?

Auto insurance companies can use profiling for the type of customer that makes them money. An example of a profitable risk profile might have to be between the ages of 30 and 45, insures multiple vehicles, and drives a lower-performance vehicle. Any customer who matches those parameters receives the best prices and most likely will save when they switch companies.

Potential insureds who cannot meet this stringent profile must pay a higher premium which usually ends up with the prospect going elsewhere. If you pay close attention to the ads, they say “people that switch” but not “everyone who gets a quote” save that much money. That is how companies can advertise the way they do.

Because of this risk profiling, you really should compare as many free auto insurance quotes as you can. Because you cannot predict which auto insurance company will provide the lowest rates.

Auto insurance coverages

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average insurance policy.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses such as dental work, funeral costs, nursing services and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like theft, damage from a tornado or hurricane, damage from flooding and rock chips in glass. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Mercedes-Benz G-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole, crashing into a ditch, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Liability auto insurance

Liability insurance can cover damage that occurs to a person or their property. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as structural damage, medical expenses and bail bonds. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Shop smart and save

As you prepare to switch companies, do not reduce coverage to reduce premium. In many instances, an insured cut physical damage coverage only to regret at claim time that the savings was not a smart move. The goal is to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

The cheapest 2004 Mercedes-Benz G-Class insurance is definitely available from both online companies and from local insurance agents, so you need to quote auto insurance with both in order to have the best chance of saving money. A few companies don’t offer rates over the internet and most of the time these small, regional companies work with independent insurance agents.

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