2008 Mercedes-Benz G-Class Insurance Quotes – 6 Tips for Cheaper Rates

Being forced to pay for high-priced insurance premiums can deplete your bank account and force you to prioritize other expenses. Doing a price comparison is recommended to make sure you’re not throwing money away.

Consumers have many insurance companies to insure vehicles with, and even though it’s nice to have a selection, having more insurance companies makes it harder to get the best deal.

Finding insurance

There are several ways you can shop for insurance but some are less time-consuming than others. You could spend your day driving to insurance agencies in your area, or you can utilize the internet to get the quickest rates.

Many companies belong to an insurance system where insurance shoppers submit their information once, and every company can give them a price. This saves time by eliminating quote forms for each company. To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to using this type of form is you cannot specify the insurers you will receive quotes from. So if you prefer to pick specific insurance companies for rate comparison, we put together a list of insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, make sure you use nearly identical coverages and limits for each comparison quote. If you use different coverage information it’s impossible to determine which rate is truly the best. Even a minor difference in insurance coverages or limits could skew the results. Keep in mind that comparing more rates from different companies gives you a better chance of getting the best price.

Don’t listen to company ads

Respected companies like State Farm, Geico and Progressive continually stream ads in print and on television. All the ads make an identical promise about savings just by switching your insurance coverage coverage to their company. It sounds good, but how can they all claim to save you money? This is the trick they use.

Different companies can use profiling for the type of customer that will most likely be profitable. For example, a desirable risk could possibly be between the ages of 30 and 50, has had continuous coverage, and drives less than 10,000 miles a year. Anybody that hits that “sweet spot” will most likely get cheap premium rates and as a result will probably save money with a new company.

Potential insureds who fall outside those standards will be charged higher prices and this can result in the customer buying from a different company. The trick companies use is to say “customers who switch” but not “everyone who gets a quote” save that much money. This is how companies can truthfully make claims like that. This emphasizes why it’s extremely important to get a wide range of price quotes. It is impossible to guess the company that will be your best fit.

More discounts mean affordable premiums

Buying insurance is not cheap, but discounts can save money and there are some available that many consumers don’t even know exist. Certain reductions will be credited when you quote, but some need to be requested specifically before you will receive the discount.

• Accident-Free Discounts – Drivers who stay claim-free have much lower rates as opposed to drivers with a long claim history.
• Sign Online – Many larger companies provide a small discount just for signing your application on your computer.
• Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings of 20 to 30 percent.
• Save with a New Car – Buying insurance coverage on a new vehicle can save you some money because newer models have to meet stringent safety requirements.
• Early Payment Discounts – By making one initial payment rather than paying in monthly installments you may have a lower total premium amount.
• Accident Forgiveness Coverage – but a handful of insurance companies will allow you to have one accident without getting socked with a rate hike so long as you are claim-free prior to the accident.

You can save money using discounts, but many deductions do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Some companies that have these money-saving discounts may include but are not limited to:

• Progressive
• MetLife
• Mercury Insurance
• Nationwide
• Geico
• AAA

If you want affordable insurance quotes, ask every insurance company to apply every possible discount. Depending on the company, some discounts might not be offered on policies in your area. For a list of insurance companies that offer many of these discounts, follow this link.

It’s not one size fits all

When choosing coverage for your vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that These are some specific questions could help you determine if your situation would benefit from professional advice.

• Should I bundle my homeowners policy with my auto?
• Do I need rental car coverage?
• Are my friends covered when driving my car?
• Does car insurance cover theft of personal property?
• Can my teen driver be rated on a liability-only vehicle?
• Am I covered when driving on a suspended license?
• Which companies will insure high-risk drivers?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverages

Having a good grasp of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverage types found on the average auto insurance policy.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, hitting a mailbox, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, damage from a tornado or hurricane, hitting a deer, a tree branch falling on your vehicle and rock chips in glass. The maximum payout your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz G-Class.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for doctor visits, X-ray expenses, chiropractic care, prosthetic devices and hospital visits. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability

Liability coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as attorney fees, funeral expenses and loss of income. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

More quotes. Lower rates.

When buying insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There have been many situations where someone dropped full coverage only to discover later that they should have had better coverage. Your focus should be to buy the best coverage you can find at the lowest possible cost, but do not skimp to save money.

We just showed you a lot of techniques to save on 2008 Mercedes-Benz G-Class insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

A few companies don’t offer rate quotes online small, regional companies provide coverage only through independent agencies. Cheaper 2008 Mercedes-Benz G-Class insurance can be bought online as well as from independent agents, and you should compare rates from both in order to have the best price selection to choose from.

Additional insurance coverage information is available at the links below

• Uninsured Motorist Statistics (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Choosing a Car for Your Teen (State Farm)