2015 Mercedes-Benz G-Class Insurance Rates

Searching for the cheapest auto insurance rates for your Mercedes-Benz G-Class? Cutting costs on auto insurance can seem to be challenging for drivers who are beginners to buying insurance online. There are so many options that it can be hard work to find more affordable prices.

It’s a good habit to price shop coverage quite often due to the fact that insurance rates trend upward over time. Even if you got the best deal on G-Class coverage on your last policy the chances are good that you can find a lower price today. There is a lot of bad advice regarding auto insurance online, but you can learn some of the best techniques to slash your auto insurance rates.

Finding affordable coverage is not that difficult. Just about every driver who has to buy insurance coverage will be able to cut their insurance bill. But consumers benefit from understanding how the larger insurance companies compete online because it can help you find the best coverage.

Save a ton by taking advantage of discounts

Companies do not list every disount available in an easy-to-find place, so the next list breaks down a few of the more common as well as some of the hidden savings tricks you should be using when you buy car insurance online. If you check and find you aren’t receiving every discount available, you may be paying too high a price.

• Accident Waiver – This isn’t a discount exactly, but some companies like State Farm and Geico will forgive one accident before raising your premiums if you are claim-free before the accident.
• Passive Restraints and Air Bags – Vehicles equipped with air bags may get savings of 25 to 30%.
• Safety Restraint Discount – Drivers who require all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Student Driver Training – Cut your cost by having your teen driver sucessfully take a drivers education course in school.
• Discounts for Multiple Vehicles – Drivers who insure several vehicles on the same insurance coverage policy can get a discount on all vehicles.

Remember that some credits don’t apply the the whole policy. Most cut the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, you won’t be that lucky.

A few of the larger companies and their possible discounts can be read below.

• The Hartford offers discounts including driver training, bundle, good student, defensive driver, vehicle fuel type, air bag, and anti-theft.
• American Family discounts include air bags, good student, defensive driver, multi-vehicle, Steer into Savings, mySafetyValet, and TimeAway discount.
• Progressive may have discounts that include online quote discount, good student, homeowner, continuous coverage, online signing, multi-vehicle, and multi-policy.
• Travelers may offer discounts for student away at school, multi-policy, payment discounts, good student, home ownership, IntelliDrive, and save driver.
• Farmers Insurance has savings for electronic funds transfer, multi-car, homeowner, pay in full, teen driver, and good student.
• USAA may include discounts for defensive driver, good student, vehicle storage, family discount, military installation, loyalty savings, and multi-vehicle.
• Liberty Mutual offers premium reductions for good student, hybrid vehicle, new graduate, multi-policy, preferred payment discount, new move discount, and newly married.

When quoting, ask each insurance company to apply every possible discount. A few discounts may not apply in your area.

Cut insurance costs with these tips

Lots of things are taken into consideration when premium rates are determined. A few of the factors are predictable like an MVR report, but others are less apparent like your vehicle usage or your financial responsibility.

The list below includes most of the major factors companies use to determine your rates.

• Protect yourself with liability coverage – Your policy’s liability coverage will provide protection if ever you are found to be at fault for physical damage or personal injury to other. It will provide you with a defense in court up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
• Safer vehicles means better rates – Cars with five star safety ratings tend to have better insurance rates. Safe vehicles reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders.
• Occupation reflects on premiums – Did you know your job can affect your rates? Careers like judges, architects and medical professionals generally pay higher rates than average because of high stress levels and incredibly demanding work hours. Other jobs like farmers, engineers and retirees pay the least on G-Class coverage.
• Never let your car insurance policy lapse – Allowing your coverage to lapse will be a sure-fire way to trigger a rate increase. Not only will you pay higher rates, the inability to provide proof of insurance could earn you fines and jail time. You may then have to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
• Single drivers take more risk – Your spouse can actually save you money compared to being single. Having a spouse generally demonstrates drivers are less irresponsible and insurance companies like that married drivers tend to file fewer claims.
• Incidental coverages you don’t need – There are a lot of additional coverages that can add up on your G-Class policy. Things like rental car coverage, towing, and extra equipment coverage may be costing you every month. These may sound like a good investment at first, but your money might be better spent on other coverage so remove them and pocket the money.

How much insurance do I need?

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s situation is unique.

For example, these questions could help you determine whether your personal situation might need professional guidance.

• What if I don’t agree with a claim settlement offer?
• Can I afford to pay high deductible claims out of pocket?
• If my 2015 Mercedes-Benz G-Class is totaled, can I afford another vehicle?
• Does insurance cover tools stolen from my truck?
• Where can I find DUI or SR-22 insurance?
• Which is better, split liability limits or combined limits?

If it’s difficult to answer 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, take a second and complete this form.

Educate yourself about insurance coverages

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage pay for bills for rehabilitation expenses, dental work and nursing services. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability

Liability insurance can cover damages or injuries you inflict on other people or property. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering and legal defense fees. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage

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 coverage protects against claims like fire damage, theft and damage from flooding. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Mercedes-Benz G-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for collisions

This coverage pays for damage to your G-Class resulting from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Don’t throw your cash in the trash

Consumers leave their current company for a number of reasons such as high prices, policy cancellation, extreme rates for teen drivers and lack of trust in their agent. It doesn’t matter what your reason, choosing a new company is actually quite simple.

A few companies may not provide internet price quotes and many times these smaller companies only sell through independent insurance agencies. Lower-priced insurance coverage is definitely available both online in addition to many insurance agents, so you should compare both to have the best rate selection.

When getting car insurance quotes online, you should never skimp on coverage in order to save money. There are a lot of situations where an insured cut physical damage coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at a price you can afford.

To learn more, feel free to browse the articles below:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Help Your Teen Be a Better Driver (State Farm)
• Winter Driving (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• Reducing Your Risks in a Car Crash Video (iihs.org)