Cheaper 2003 Mercedes-Benz G-Class Insurance Quotes

Finding cheaper insurance coverage can seem to be problematic for consumers not familiar with comparing prices on the web. With such a large choice of insurance companies available, how can consumers have time to compare every company in order to find the best price?

It’s a good habit to do price comparisons periodically because insurance rates go up and down regularly. Despite the fact that you may have had the best rate on G-Class insurance last year there is a good chance you can find better prices now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the easiest way to buy cheaper insurance coverage.

If you currently have a car insurance policy, you will be able to lower your premiums substantially using this strategy. The purpose of this post is to help educate you on how to effectively get price quotes. But drivers need to have an understanding of the methods companies use to compete online because it can help you find the best coverage.

How your G-Class insurance premiums are determined

Part of the auto insurance buying process is learning some of the factors that help calculate your premiums. When you know what positively or negatively positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with big savings.

Shown below are a partial list of the pieces auto insurance companies consider when setting rates.

  • Proper usage rating affects costs – The higher the mileage driven in a year’s time the higher the price you pay to insure it. Most companies charge to insure your cars based upon how much you drive. Vehicles that are left in the garage qualify for better rates than those used for commuting. It’s a smart idea to ensure your declarations sheet reflects the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated G-Class can result in significantly higher rates.
  • No policy claims equals better premiums – Companies provide discounts to people who only file infrequent claims. If you’re an insured who likes to file claims you can definitely plan on higher rates. Insurance coverage is intended for claims that you cannot pay yourself.
  • Marriage discount – Getting married helps lower the price on your policy. Marriage means you’re less irresponsible it has been statistically shown that drivers who are married are more cautious.
  • Liability coverage limits are a factor – Your auto insurance policy’s liability coverage will provide protection when you are found liable for an accident. It provides you with a defense in court starting from day one. Liability insurance is quite affordable compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • More people means more accidents – Being located in less populated areas of the country can be a good thing when talking about auto insurance. Fewer people means fewer accidents. Urban drivers tend to have congested traffic and more severe claims. Higher commute times can result in more accidents.
  • Discounts for auto and home policies – Many insurance companies will award a discount to clients who have multiple policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s still a good idea to comparison shop to help ensure you have the lowest rates.

Save a ton with discounts

Some insurance providers don’t always publicize all their discounts very well, so we researched some of the best known as well as the least known credits available to bring down your rates.

  • Senior Citizen Discount – If you’re over the age of 55, you may receive a small decrease in premiums on G-Class insurance.
  • Save with a New Car – Putting insurance on a new car can get you a discount since newer vehicles have better safety ratings.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of up to 25% or more.
  • Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Free – Drivers who stay claim-free get the best insurance coverage rates as opposed to bad drivers.
  • Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class in school or through a local driver safety program.
  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease on G-Class insurance depending on your company.
  • Early Switch Discount – A few companies give discounts for buying a policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Driver Training Discounts – Taking part in a class that teaches defensive driving techniques could save 5% or more if your company offers it.

Please keep in mind that most credits do not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Even though it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Car insurance companies who might offer these money-saving discounts include:

When getting a coverage quote, ask all the companies the best way to save money. Discounts may not be available in your area. For a list of insurance companies that offer the discounts shown above, click here.

What is the best auto insurance coverage?

When buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your situation might need professional guidance.

  • How do I buy GAP insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • What can I do if my company won’t pay a claim?
  • Is my custom paint covered by insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered if I crash into my own garage door?
  • How high should my medical payments coverage be?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need an umbrella policy?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form.

Insurance policy specifics

Knowing the specifics of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz G-Class.

Since a lot of drivers 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 should not be overlooked.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as damaging your car on a curb, sideswiping another vehicle, scraping a guard rail, driving through your garage door and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, vandalism and falling objects. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like doctor visits, rehabilitation expenses and surgery. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability insurance

This coverage can cover injuries or damage you cause to a person or their property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against claims like structural damage, funeral expenses, court costs and bail bonds. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Do the work, save more money

We covered a lot of ways to shop for 2003 Mercedes-Benz G-Class insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding affordable car insurance. You may be surprised to find that the most savings is with the least-expected company.

When getting car insurance quotes online, make sure you don’t buy poor coverage just to save money. There are many occasions where someone dropped comprehensive coverage or liability limits only to discover later they didn’t purchase enough coverage. Your aim should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, questionable increases in premium, high rates after DUI convictions or even policy non-renewal. Whatever your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

More information can be read at the links below

Comments About 2003 Mercedes-Benz G-Class Insurance

  1. Katharyn Morrow

    I’m in Norman, Oklahoma, and 21st Century rates were affordable.

  2. Lovetta Lyons

    Not sure if this is cheap. I live just outside Allentown, PA. Received prices from Allstate, Amica, and Eastwood for my G-Class and I’m now saving $20 a month. Hopefully won’t need it. I just carry liability insurance.

  3. Quiana Cote

    Cheaper not always better. From north side of Warren, Michigan. Checked online prices for a 2003 Mercedes-Benz G-Class. Ended up at about $90 savings annually. Went with Allstate. Insured with Auto-Owners before. I even had a DUI years ago.

  4. Alishia Dickerson

    If you’re around Lewiston, ME try State Farm and GEICO and see which is cheaper.

  5. Lissa Ramsey

    If you have a good history and live in the vicinity of South Burlington, VT, check out GEICO. They seem to be cheaper. Left Mercury to switch. Good multi-policy discounts. Still almost need a second mortgage. Next renewal I’ll just do liability.

  6. Edmund Colon

    IT’S ALL TOO EXPENSIVE! I live just outside Portland, OR. I quoted with GEICO, Amica, Farmers, and GMAC for my Mercedes-Benz and saved about $100 a year. Insured with AIG Insurance before. I have a teen driver too. It’s only liability tho.

  7. Rosenda Bridges

    I’m looking for cheaper coverage. I’m just north of Kailua, Hawaii. Got prices from Amica, Mercury, and Travelers for my Mercedes-Benz and I’m now saving $20 a month. Insured with GEICO before. I quoted rates online then called them. I dropped full coverage awhile back.

  8. Bradley Marshall

    Great site. I’m in the east part of Fairbanks, Alaska. Got quotes with Liberty Mutual, AIG Insurance, MetLife, and a couple others for my 2003 Mercedes-Benz G-Class and I think I am saving around $20 each month. Left Farmers to switch. It’s still not cheap enough. I only have liability coverage on it.

  9. Gala Fulton

    Lifelong resident of Atlanta, Georgia. Quoted prices online for a 2003 Mercedes-Benz G-Class. Ended up at about $110 savings annually. Went with Progressive. Left MetLife to switch. :P I only have liability coverage on it.

  10. Dalia Sampson

    Good site, thanks. Proud to be from Louisville, KY. I got free rates from Amica, Mercury, and a few others for my 2003 Mercedes-Benz G-Class and I think I am saving around $30 each month. I have a teen driver too. Anyone else drop full coverage?

  11. Trey Wilcox

    Here’s what I found out. Located in Tulsa, OK. Got rates from Auto-Owners, Sentry, and a few others for my 2003 Mercedes-Benz G-Class and I think I saved about $30 each month. I got prices on the web.

  12. Kymberly Arnold

    Live in Nashua, NH. Compared quite a few companies. Saved about $20 a month. Allstate was the cheapest option for me. I’m a pretty low risk driver. Did it all online. Liability only on my Mercedes-Benz.

  13. Alonzo Buckley

    Just my two cents. Got a quote with MetLife for my Mercedes-Benz and cut my rates about $100 a year. I used their website to get prices.

  14. Deon Molina

    Liked the article. From north side of Wichita, Kansas. I quoted with 21st Century, Hartford, and Encompass for my G-Class and I think I cut my rates about $20 each month.

  15. Emerita Lester

    I’m looking for cheaper coverage. I live in Warren, MI. Quoted with Progressive, Encompass, and The General for my 2003 Mercedes-Benz G-Class and saved $82 a year. Insured with AIG Insurance before. Even increased coverage a bit. God forbid I actually have a claim.