Save on 2012 Mercedes-Benz G-Class Insurance Quotes

Searching for better insurance rates for your Mercedes-Benz G-Class? Being forced to pay for expensive insurance premiums can overdraw your checking account and force you to make tough financial choices. Comparison shopping is a great way to tighten up your finances.

With consumers having so many companies to choose from, it’s difficult to choose a lower cost insurer.

It is always a good idea to check insurance prices before your policy renews because insurance rates trend upward over time. Just because you had the best deal for G-Class coverage last year there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to find lower rates on insurance.

Finding the best rates is not that difficult. If you currently have car insurance, you should be able to cut costs considerably using this strategy. But consumers must understand how companies determine prices because it can help you find the best coverage.

Informed decisions result in lower insurance costs

It’s important that you understand the factors that come into play when calculating the rates you pay for insurance. When you understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you cheaper rates.

GPS tracking and theft deterrents lower insurance rates – Driving a car with a theft deterrent system can help lower your rates. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft and help lower rates.
With age comes lower costs – Inexperience drivers are statistically proven to be easily distracted when driving with friends therefore insurance rates are much higher. Older, more experienced drivers are more cautious drivers, file fewer claims and get fewer tickets.
Drive lots and pay more – The more miles you rack up on your Mercedes-Benz every year the more you will pay for insurance. Most companies calculate rates partially by how you use the vehicle. Cars that do not get driven very much receive lower rates than those used for commuting. It’s always a good idea to double check that your policy correctly shows the correct usage for each vehicle. An improperly rated G-Class is just wasting money.
Big cities mean more claims – Having an address in a rural area may provide you with better prices if you are looking for the lowest rates. People who live in big cities regularly have more aggressive driving styles and a longer drive to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
How much liability coverage – Liability insurance is the protection if ever you are determined to be liable for damages caused by your negligence. It provides legal defense coverage which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

Use discounts on auto insurance

Insurance can cost an arm and a leg, but you might find some hidden discounts that many consumers don’t even know exist. Some discounts apply automatically when you get a quote, but some must be specially asked for before they will apply.

Drivers Education – It’s a good idea to have your young drivers enroll in driver’s education in school or through a local driver safety program.
Discounts for New Vehicles – Insuring a new car can cost up to 25% less since newer vehicles have better safety ratings.
Early Payment Discounts – By paying your policy upfront instead of paying each month you can avoid monthly service charges.
Braking Control Discount – Cars that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
Accident Waiver – but certain companies will let one accident slide without getting socked with a rate hike if you have no claims before the accident.
Cautious Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for G-Class coverage compared to rates paid by drivers with frequent claims.
Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft so companies will give you a small discount.
Active Military Service – Having a family member in the military could mean lower auto insurance rates.
Good Student – Excelling in school can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
Defensive Driver Discount – Taking a course teaching defensive driver skills could save 5% or more and easily recoup the cost of the course.

One thing to note about discounts is that many deductions do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, auto insurance companies aren’t that generous.

A few of the larger companies and some of the discounts are shown below.

Mercury Insurance has savings for annual mileage, location of vehicle, age of vehicle, anti-theft, good driver, multi-car, and good student.
Farmers Insurance offers discounts for alternative fuel, electronic funds transfer, teen driver, bundle discounts, and youthful driver.
Farm Bureau may include discounts for youthful driver, multi-policy, renewal discount, good student, multi-vehicle, and 55 and retired.
State Farm offers discounts including multiple autos, defensive driving training, Steer Clear safe driver discount, anti-theft, and accident-free.
Allstate may offer discounts for good student, multi-policy, premier plus, safe driver, utility vehicle, anti-lock brakes, and defensive driver.
Geico offers premium reductions for good student, daytime running lights, military active duty, five-year accident-free, anti-theft, and multi-policy.

It’s a good idea to ask each company or agent what discounts are available to you. Some discounts may not be offered in your area.

But they said I’d save $471 a year!

Popular insurance coverage providers such as 21st Century, Allstate and State Farm continually stream ads in print and on television. They all state the claim that people will save if you move your insurance coverage policy to them. How does each company save you money? This is how they do it.

All companies quote their cheapest rates for the driver that is profitable for them. An example of a driver they prefer should be between 25 and 40, has never had a claim, and has a short commute. Anyone who meets those qualifications will most likely get cheap rates and will pay quite a bit less when switching companies.

Potential insureds who may not quite match this ideal profile may be forced to pay higher prices and ends up with business not being written. If you pay attention, the ads say “customers that switch” not “everyone that quotes” can save as much as they claim. That is how companies can truthfully make claims that they all have the best rates. This really illustrates why you really should get price quotes at each policy renewal. Because you never know the company that will give you the biggest savings.

Tailor your insurance coverage coverage to you

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions can aid in determining if your situation could use an agent’s help.

Is my nanny covered when driving my vehicle?
Is a fancy paint job covered?
Should I buy full coverage?
Is my cargo covered for damage or theft?
Why am I required to buy high-risk coverage?
How much liability do I need to cover my assets?
Does having multiple vehicles earn me a discount?
Should I drop comprehensive coverage on older vehicles?
Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance coverages

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most auto insurance policies.

Liability car insurance

This will cover damage or injury you incur to a person or their property. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as bail bonds, emergency aid, medical expenses and funeral expenses. How much coverage you buy is your choice, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as fire damage, hail damage, hitting a deer, vandalism and a broken windshield. The highest amount a auto 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 probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, colliding with a tree and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Insurance for medical payments

Med pay and PIP coverage provide coverage for expenses for things like EMT expenses, funeral costs, doctor visits, nursing services and dental work. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

A penny saved is a penny earned

Lower-priced 2012 Mercedes-Benz G-Class insurance can be purchased online and with local insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies do not provide internet price quotes and most of the time these regional carriers provide coverage only through independent agents.

We’ve covered many tips how you can shop for 2012 Mercedes-Benz G-Class insurance online. It’s most important to understand that the more companies you get rates for, the better likelihood of getting cheaper car insurance. You may be surprised to find that the lowest prices are with some of the smallest insurance companies. Some small companies often have lower rates on specific markets as compared to the big name companies such as Geico and State Farm.