Lower Your 2011 Mercedes-Benz G-Class Car Insurance Cost

Searching for better insurance rates for your Mercedes-Benz G-Class? Being forced to pay for overpriced insurance premiums can bleed your funds and possibly require postponing other expenditures. Comparing rate quotes can help to ensure you are getting the best deal.

Multiple insurers compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the best rate

You need to compare rates before your policy renews because rates tend to go up over time. If you had the best rate for G-Class insurance at your last renewal the chances are good that you can find a lower price today. You can find a lot of misleading information regarding insurance on the web, but I’m going to show you some great ways to put money back in your pocket.

How much is car insurance?

Most major insurance companies such as 21st Century, Allstate and State Farm make it easy to get prices for coverage direct online. Comparing prices online is very simple because it’s just a matter of typing in the coverages you want into a form. Once entered, their rating system will order your credit score and driving record and returns a price based on many factors. Quoting online makes it a lot easier to compare rates but having to visit multiple sites and type in the same data can be a bit repetitive. But it’s also necessary to compare as many rates as possible if you are searching for better prices.

The easiest way to lower your rates uses just one form that gets prices from many companies. This type of form saves time, eliminates repetitive work, and makes online shopping a lot less work. After sending the form, it is quoted and you can select your choice of the quotes that you receive. If the quotes result in lower rates, you can click and sign and buy the new coverage. This process can be completed in less than 10 minutes and may save quite a bit of money.

In order to compare rates using this form now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you input the insurance coverages exactly as they are listed on your policy. This guarantees you’re receiving a fair comparison for the exact same coverage.

Insurance Coverage Discounts

Insurance can be prohibitively expensive, but there’s a good chance there are discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be specifically requested before they will apply.

  • Driver Training Discounts – Taking part in a course teaching driver safety skills can save you 5% or more and make you a better driver.
  • Bundled Policy Discount – If you can combine your home and auto policy with the same company you could save as much as 10 to 15 percent.
  • Military Discounts – Being on active duty in the military may lower your premium rates slightly.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Home Ownership Discount – Being a homeowner can earn you a little savings due to the fact that maintaining a home is proof of financial responsibility.
  • Early Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Smart Student Discounts – This discount may save you up to 25%. Earning this discount can benefit you up to age 25.
  • Early Signing – Select insurance coverage companies give a discount for buying a new policy prior to your current policy expiration. It can save you around 10%.

We need to note that most discount credits are not given to the entire policy premium. Some only reduce the price of certain insurance coverages like comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, nobody gets a free ride.

Popular insurance coverage companies and the discounts they provide are outlined below.

  • GEICO offers premium reductions for air bags, five-year accident-free, emergency military deployment, membership and employees, daytime running lights, anti-lock brakes, and seat belt use.
  • MetLife offers discounts for multi-policy, good driver, defensive driver, good student, claim-free, accident-free
  • State Farm may have discounts that include accident-free, Drive Safe & Save, anti-theft, multiple autos, and good student.
  • Progressive includes discounts for online signing, continuous coverage, multi-vehicle, online quote discount, and good student.
  • Mercury Insurance has discounts for low natural disaster claims, good driver, multi-car, ease of repair, and multi-policy.
  • 21st Century policyholders can earn discounts including driver training, anti-lock brakes, defensive driver, automatic seat belts, and student driver.
  • Allstate has savings for farm vehicle, safe driver, passive restraint, EZ pay plan discount, auto/life discount, new car, and good payer.

When getting a coverage quote, ask all companies you are considering which discounts you qualify for. Discounts might not be offered on policies in every state.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions may help highlight whether your personal situation could use an agent’s help.

  • I have a DUI can I still get coverage?
  • Should I buy full coverage?
  • Is my nanny covered when driving my vehicle?
  • Can I afford to buy a different vehicle if my 2011 Mercedes-Benz G-Class is totaled?
  • What companies insure drivers after a DUI or DWI?
  • Are split liability limits better than a combined single limit?
  • Do I have coverage when pulling a U-Haul trailer?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

The coverage is in the details

Learning about specific coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverage types found on most car insurance policies.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, rock chips in glass, theft and falling objects. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

This coverage provides protection from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like bail bonds, medical expenses, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Mercedes-Benz G-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage provide coverage for bills such as funeral costs, prosthetic devices, EMT expenses and hospital visits. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto collision coverage

Collision insurance pays for damage to your G-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and rolling your car. 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. Another option is to bump up the deductible to bring the cost down.