2007 Mercedes-Benz G-Class Insurance Rates – 7 Tips for Cheapest Quotes

Looking for better car insurance rates for your Mercedes-Benz G-Class? Searching for the lowest price car insurance may seem to be somewhat intimidating for drivers not familiar with comparing rates and buying car insurance on the internet. With literally dozens of insurers available, how are drivers able to efficiently compare them all to find the best available rates?

It’s important to price shop coverage once or twice a year because prices fluctuate regularly. Just because you had the best price on G-Class coverage on your last policy you will most likely find a better rate quote today. Forget all the misinformation about car insurance because you’re about to find out the right way to buy cheaper car insurance.

Lower rates by qualifying for these seven discounts

Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Some of these disounts will be visible when you purchase, but a few must be inquired about in order for you to get them.

• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and that can save you a little bit as well.
• No Charge for an Accident – Not a discount per se, but some companies like Geico and Liberty Mutual will let one accident slide without the usual rate increase with the catch being you have to be claim-free for a certain period of time.
• Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for a slight reduction on a insurance coverage quote on G-Class coverage.
• ABS Braking Discount – Cars and trucks equipped with ABS or steering control can stop better under adverse conditions and qualify for as much as a 10% discount.
• Resident Student – who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Bundle and Save – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Active Service Discounts – Being deployed in the military could qualify you for better premium rates.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like physical damage coverage or medical payments. So when the math indicates you could get a free insurance policy, you won’t be that lucky. But all discounts will cut your insurance premiums.

Larger insurance companies and some of the premium reductions they offer are:

• Farm Bureau offers discounts including multi-policy, driver training, youthful driver, renewal discount, and 55 and retired.
• State Farm may include discounts for multiple policy, multiple autos, safe vehicle, good student, good driver, driver’s education, and passive restraint.
• Progressive policyholders can earn discounts including homeowner, online signing, online quote discount, good student, continuous coverage, multi-vehicle, and multi-policy.
• Allstate may have discounts that include EZ pay plan discount, early signing, anti-theft, new car, safe driver, and premier discount.
• Nationwide has savings for Farm Bureau membership, good student, business or organization, multi-policy, accident-free, and anti-theft.
• MetLife includes discounts for good student, defensive driver, good driver, accident-free, and multi-policy.

If you need lower rates, check with each company which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in your area. To view insurance companies that can offer you the previously mentioned discounts, click here to view.

Drivers who switch save $466 a year? Really?

Respected companies like Geico, State Farm and Progressive seem to constantly run television and radio advertisements. They all say the same thing that drivers will save a bundle if you just switch your car insurance coverage to their company. How do they all make almost identical claims? This is the way they can do it.

Companies quote the lowest rates for the type of driver that will be a good risk. For instance, this type of insured may be a married female, insures multiple vehicles, and does not commute to work. Any driver that hits that “sweet spot” will most likely get cheap rates and is almost guaranteed to save some money.

People who don’t measure up to the “perfect” profile will see higher prices and this results in the driver buying from a lower-cost company. The ads say “people who switch” not “everybody who quotes” save that much when switching. This is how insurance companies can state the savings. Because of the profiling, it is so important to get insurance coverage quotes from several different companies. Because without a comparison, you cannot know the company that will have the lowest auto insurance rates for your situation.

Car insurance is unique, just like you

When choosing the right insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions might help in determining if you might need an agent’s assistance.

• What companies insure drivers after a DUI or DWI?
• When do I need to add a new car to my policy?
• What discounts do I qualify for?
• How do I file an SR-22 for a DUI in my state?
• Do I have coverage when making deliveries for my home business?
• How does medical payments coverage work?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

The coverage is in the details

Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage

This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2007 Mercedes-Benz G-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage protection

This pays for damage to your G-Class resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, hitting a deer, hitting a bird and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance

This provides protection from damages or injuries you inflict on other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against claims like funeral expenses, medical services and attorney fees. How much coverage you buy is your choice, but you should buy as large an amount as possible.

You can do this!

Consumers change insurance companies for a number of reasons such as not issuing a premium refund, high prices, delays in responding to claim requests or lack of trust in their agent. Regardless of your reason, finding a new company is easier than you think.

Budget-friendly insurance can be sourced from both online companies in addition to local insurance agencies, and you need to comparison shop both so you have a total pricing picture. A few companies do not provide rate quotes online and these regional insurance providers provide coverage only through independent insurance agents.

In this article, we covered quite a bit of information on how to compare 2007 Mercedes-Benz G-Class insurance premium rates online. The key concept to understand is the more you quote insurance coverage, the better your comparison will be. Consumers could even find that the most savings is with a smaller regional carrier.

More detailed insurance information can be read at these sites:

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• A Tree Fell on Your Car: Now What? (Allstate)
• Frontal Crash Tests (iihs.org)
• Liability Insurance Coverage (Nationwide)