2005 Mercedes-Benz G-Class Insurance Rates

Want the cheapest car insurance rates for your Mercedes-Benz G-Class? Trying to find the cheapest insurance for a new or used Mercedes-Benz G-Class can turn out to be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to buy car insurance and you need to know the proper way to price shop coverage on a Mercedes-Benz and locate the best price possible.

These discounts can lower your car insurance quotes

Some insurance providers don’t always advertise every discount very well, so the below list has both the well known in addition to some of the lesser obvious discounts that you can inquire about if you buy insurance online.

  • Discounts for Multiple Vehicles – Having multiple cars or trucks with one company may reduce the rate for each vehicle.
  • Anti-lock Brake Discount – Vehicles with ABS braking systems or traction control can avoid accidents so companies give up to a 10% discount.
  • Include Life Insurance and Save – Select car insurance companies reward you with a discounted price on car insurance if you buy a life policy as well.
  • Passive Restraint Discount – Cars that have air bags could see savings up to 30%.
  • Accident Waiver – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Membership in Organizations – Belonging to certain professional organizations may earn a discount when getting a insurance quote.
  • Discounts for Cautious Drivers – Safe drivers could pay up to 40% less on G-Class insurance compared to accident prone drivers.
  • Low Mileage – Driving less could be rewarded with lower car insurancerates on the low mileage vehicles.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and can earn a small discount on your policy.
  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on insurance quote in comparison to bad drivers.

Discounts lower rates, but most discount credits are not given the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like you could get a free car insurance policy, company stockholders wouldn’t be very happy.

A list of car insurance companies and some of the premium reductions they offer can be read below.

  • Geico offers discounts for defensive driver, military active duty, membership and employees, daytime running lights, anti-theft, emergency military deployment, and multi-policy.
  • MetLife discounts include accident-free, good student, multi-policy, defensive driver, claim-free, and good driver.
  • State Farm includes discounts for defensive driving training, good driver, Steer Clear safe driver discount, accident-free, multiple autos, safe vehicle, and Drive Safe & Save.
  • Progressive has savings for multi-policy, homeowner, good student, online quote discount, and online signing.
  • Mercury Insurance may offer discounts for annual mileage, ease of repair, good driver, anti-theft, multi-policy, and type of vehicle.
  • 21st Century policyholders can earn discounts including homeowners, anti-lock brakes, defensive driver, teen driver, and early bird.
  • Allstate has discounts for multi-policy, good payer, passive restraint, eSmart discount, and defensive driver.

Before you buy a policy, ask all companies you are considering to give you their best rates. Savings might not be available to policyholders in your state. To choose companies with significant discounts, click here to view.

First Step: Get free insurance coverage quotes

Getting cheap 2005 Mercedes-Benz G-Class insurance coverage pricing is pretty simple and can save money. You just have to spend a little time to compare free insurance quotes from some recommended companies. This is very easy and can be done in several different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is a comparison rater form click to view form in new window. This quick form keeps you from doing multiple quote forms for each price estimate. Just one form gets coverage cost estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to obtain and compare quotes online requires visiting each company website to request a price quote. For instance, we’ll pretend you are doing a rate comparison from Geico, Liberty Mutual and Travelers. To get rate quotes you would need to visit each site and enter your information, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

Compare rates however you want, just do your best to use the exact same coverage limits for each quote you get. If the quotes have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

Different people need different auto insurance coverages

When choosing adequate coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions could help you determine whether or not you could use an agent’s help.

  • What is the difference between comprehensive and collision coverage?
  • Am I covered when driving someone else’s vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • What is the rate difference between pleasure use and commuting?
  • Is my 2005 Mercedes-Benz G-Class covered for flood damage?
  • Can my teen drive my company car?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance coverages for a Mercedes-Benz G-Class

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, rock chips in glass and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as medical services, structural damage and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This coverage will pay to fix damage to your G-Class from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz G-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like X-ray expenses, prosthetic devices, pain medications, rehabilitation expenses and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

A fool and his money are soon parted

Lower-priced car insurance is definitely available online and from local insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide price quotes online and many times these smaller companies only sell through independent insurance agents.

We’ve covered a lot of ways to shop for 2005 Mercedes-Benz G-Class insurance online. It’s most important to understand that the more price quotes you have, the higher your chance of finding affordable insurance. Consumers may even find the best auto insurance rates are with some of the smallest insurance companies.

As you shop your coverage around, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Much more information about car insurance can be found at these links:

Comments About 2005 Mercedes-Benz G-Class Insurance

  1. Amada Mitchell

    Does 21st Century offer new car replacement?

  2. Angelique Morrow

    For me, GEICO was by far the cheapest in Montgomery, AL.

  3. Tashia Walter

    I’m in the north part of Salt Lake City, Utah. Quoted a bunch of companies. Saved right around $60 a month. Allstate was the most affordable for me.

  4. Jarvis Macdonald

    If you don’t have tickets and live in the vicinity of Shreveport, LA, check out GEICO. You might save some money. Good savings if you bundle.

  5. Malia Crosby

    Any companies in New Orleans, LA that will insure a DUI?

  6. Cleopatra Rosales

    This is too expensive. Went with 21st Century for my Mercedes-Benz and saved about $540 a year. Was with Erie.

  7. In Ferrell

    Mine is so expensive. I’m in the suburbs of Bellevue, Nebraska. I got free rates from GEICO, AIG Insurance, and Encompass for my 2005 Mercedes-Benz G-Class and saved $392 a year. Hopefully won’t need it.

  8. Yolande Brady

    Anyone know if State Farm does SR-22s?

  9. Sol Woodward

    I’ve had GEICO for years. I’m in Rochester, NY.

  10. Orlando Bartlett

    Allstate is pretty cheap in Illinois! :)

  11. Felipe Leonard

    I found pretty cheap rate quotes for a 2005 Mercedes-Benz G-Class in Missoula, MT. Ended up at darn near $370 every six months with AIG Insurance.

  12. Marilou Cohen

    Lifelong resident of Great Falls, MT. I got free rates from State Farm, Farmers, and The General for my G-Class and I’m now saving $30 a month. Left Sentry to switch. They offer free online rate quotes.