Lower Your 2013 Mercedes-Benz G-Class Insurance Rates

Searching for the cheapest insurance rates for your Mercedes-Benz G-Class? Comparison shopping for cheaper insurance can be hard for drivers who are new to quoting and comparing prices online. When there are so many insurers available, it can quickly become a big hassle to find the lowest price.

You should take the time to compare prices periodically due to the fact that insurance prices are constantly changing. Just because you had the best deal for G-Class insurance a couple years back there is a good chance you can find better rates now. Forget all the misinformation about insurance because I’m going to teach you the best way to find better rates and still maintain coverage.

If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. Finding the best protection is quite easy. Although drivers do need to learn the way insurance companies sell insurance online and take advantage of how the system works.

Lower-cost insurance quotes with discounts

Insurance is easily one of your largest bills, but you may be missing some discounts that many consumers don’t even know exist. Some trigger automatically when you get a quote, but some must be asked for before they will apply. If you check and find you aren’t receiving every discount you qualify for, it’s possible you qualify for a lower rate.

• New Car Discount – Buying a new car model can get you a discount since newer vehicles have better safety ratings.
• Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems are less likely to be stolen and will save you 10% or more.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of up to 25% or more.
• Telematics Data – Insureds that choose to allow their company to analyze their driving habits remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they are good drivers.
• Payment Discounts – By making one initial payment rather than spreading payments over time you could save 5% or more.
• Multiple Vehicles – Drivers who insure multiple cars with one company can reduce the rates for all insured vehicles.
• Paper-free Discount – Many insurance companies will give you a small discount shop auto insurance on your computer.
• Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents so you can save 10 percent or more.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, you aren’t that lucky.

A partial list of companies that may include some of the above discounts possibly include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

When getting a coverage quote, ask every company which discounts you may be entitled to. Savings may not apply to policies in every state. To locate insurers with discount insurance rates, click this link.

Tailor your auto insurance coverage to you

When buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

• Is my dog or cat covered if injured in an accident?
• What is medical payments coverage?
• Does my insurance cover my expensive audio equipment?
• Are all vehicle passengers covered by medical payments coverage?
• Are my friends covered when driving my car?
• Should I drop comprehensive coverage on older vehicles?
• How do I file an SR-22 for a DUI in my state?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage information

Learning about specific coverages of auto insurance aids in choosing the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Liability auto insurance

This coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims like loss of income, bail bonds and medical services. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Comprehensive coverages

This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, rock chips in glass and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as sustaining damage from a pot hole, colliding with a tree, crashing into a building and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses like hospital visits, funeral costs, ambulance fees, surgery and pain medications. They are often used to fill the gap from your health insurance program or if you do not have health coverage. It covers you and your 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

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Buy online or local, you save

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that they should have had better coverage. Your objective should be to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Consumers change insurance companies for many reasons like lack of trust in their agent, unfair underwriting practices, poor customer service and high rates after DUI convictions. It doesn’t matter why you want to switch finding a new car insurance company is not as difficult as it may seem.

Affordable 2013 Mercedes-Benz G-Class insurance can be bought both online in addition to local insurance agencies, and you should compare price quotes from both to have the best selection. A few companies do not offer price quotes online and these smaller companies only sell through local independent agents.

Additional resources

• Older Driver Statistics (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Cellphones, Texting and Driving (iihs.org)
• How to Avoid Staged Accidents (State Farm)