Cheap 2016 Mercedes-Benz G-Class Car Insurance Quotes

Trying to find lower insurance rates? Buyers have a choice when searching for affordable Mercedes-Benz G-Class insurance. You can either waste hours calling around getting price quotes or use the internet to make rate comparisons.

There are both good and bad ways to compare insurance rates so we’re going to tell you the proper way to compare rates for a new or used Mercedes-Benz and find the cheapest rates either online or from local insurance agents.

It is always a good idea to do rate comparisons before your next renewal because insurance prices change frequently. Despite the fact that you may have had the best rates for G-Class insurance at your last renewal the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the things you must know in order to find lower rates on insurance.

Get cheaper insurance premiums by understanding these factors

Many different elements are taken into consideration when premium rates are determined. Some are obvious like a motor vehicle report, but other factors are less obvious like your vehicle usage or your financial responsibility.

• The more you drive the more you pay – The higher the mileage driven in a year the more you will pay for car insurance. The majority of insurers charge to insure your cars based upon how much you drive. Cars that do not get driven very much receive lower rates as compared to vehicles used primarily for driving to work. Make sure your car insurance coverage is rated on the correct usage for each vehicle, because improper ratings can cost you money. An incorrectly rated G-Class is just wasting money.
• Big city or small town – Choosing to live in less populated areas of the country has it’s advantages when buying car insurance. Residents of big cities have more traffic problems and a longer drive to work. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims.
• Experienced drivers pay less – Teen drivers have a tendency to be inattentive when at the wheel of a vehicle so they pay higher car insurance rates. Parents adding a inexperienced driver to your car insurance policy can increase premiums substantially. More experienced drivers are proven to be safer behind the wheel, file fewer claims , and usually have better credit.
• Does auto insurance cost less for gals? – Statistics show that females tend to be a little less risky than males. This data doesn’t prove that women are BETTER drivers than men. Both genders get in fender benders in similar percentages, but males tend to have more serious accidents. Men also get cited for more serious violations like reckless driving and DUI.

Which auto insurance is cheapest?

Reducing your 2016 Mercedes-Benz G-Class insurance rates is not a difficult process. Drivers just need to take a few minutes getting comparison quotes from different insurance companies. This can be accomplished in a couple of different ways.

Probably the best way to get quotes is an all-inclusive rate comparison (click to open form in new window). This easy form prevents you from having to do multiple quote forms for every auto insurance company. One quote request will get you price quotes from several companies. Just one form and you’re done.

A more difficult way to compare rate quotes is spending the time to visit each individual company website and complete a new quote form. For instance, let’s assume you want to compare rates from Progressive, Liberty Mutual and GMAC. You would need to take the time to go to each site and enter your policy data, which is not fast way to get rate quotes. For a list of links to insurance companies in your area, click here.

However you get your quotes, be sure to compare identical coverages with every price quote. If each company quotes differing limits it’s not possible to determine which company has the best rates.

The largest companies are not always cheapest

Consumers constantly see and hear ads that claim the cheapest premium rates by State Farm, Allstate and Geico. All the ads state the claim about savings if you get a free auto insurance quote and switch to their company.

How does every company charge you less for car insurance? Here is how they do it.

Insurance companies have specific guidelines for the type of customer that earns them the most money. A good example of a desirable insured may be between 25 and 40, has a low-risk occupation, and the vehicle is rated for pleasure use. Someone who meets those qualifications may get the lowest rates and have a good chance to save a lot of money.

Consumers who do not match these stringent criteria may be required to pay higher premium rates which usually ends up with the prospect going elsewhere. The ads say “drivers who switch” not “all people who quote” save that kind of money. That is how insurance companies can make those claims.

Because each company has a different risk profile, drivers must do a price quote comparison at every renewal. Because you never know which insurance company will provide you with the cheapest rates.

Affordable auto insurance rates with discounts

Auto insurance can be pricey, but there may be some discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked for in order for you to get them.

• Drivers Education – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
• Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their auto insurance quote for G-Class insurance than drivers with accidents.
• First Accident Forgiveness – This one isn’t a discount, but companies like Geico and Allstate permit an accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
• Defensive Driver Discount – Completing a course in safe driver could cut 5% off your bill and make you a better driver.
• Braking Control Discount – Cars, trucks, and SUVs equipped with ABS or steering control have fewer accidents so companies give up to a 10% discount.
• Drive Less and Save – Low annual miles could be rewarded with lower auto insurancerates on the low mileage vehicles.
• Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.

A little disclaimer on discounts, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, nobody gets a free ride.

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

• Geico offers discounts for five-year accident-free, multi-vehicle, anti-lock brakes, military active duty, seat belt use, and anti-theft.
• Auto-Owners Insurance may have discounts that include student away at school, anti-theft, mature driver, safe vehicle, safe driver, paid in full, and group or association.
• American Family may offer discounts for air bags, multi-vehicle, Steer into Savings, good driver, good student, bundled insurance, and defensive driver.
• Esurance policyholders can earn discounts including multi-car, multi-policy, renters, Switch & Save, emergency road assistance, and anti-lock brakes.
• Progressive offers discounts including multi-vehicle, multi-policy, good student, homeowner, continuous coverage, online signing, and online quote discount.
• State Farm may include discounts for anti-theft, student away at school, Drive Safe & Save, multiple policy, multiple autos, and passive restraint.
• AAA includes discounts for good student, multi-car, anti-theft, multi-policy, AAA membership discount, education and occupation, and good driver.

When quoting, ask all the companies to give you their best rates. Savings might not be offered on policies everywhere. If you would like to view providers who offer free auto insurance quotes, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Each situation is unique.

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

• Do I need special endorsements for business use of my vehicle?
• Does insurance cover tools stolen from my truck?
• Am I covered when driving on a suspended license?
• Am I covered if hit by an uninsured driver?
• Does coverage extend to my business vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• What is the rate difference between pleasure use and commuting?
• Should I sign the liability waiver when renting a car?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Information about specific coverages

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, surgery, EMT expenses and chiropractic care. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability coverages

This will cover injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair costs for stationary objects, pain and suffering and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

Collision coverage covers damage to your G-Class resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like scraping a guard rail, sideswiping another vehicle and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Drivers also have the option to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz G-Class.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from getting keyed, a broken windshield, hail damage, damage from flooding and theft. The maximum payout a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

More choices the merrier

As you quote auto insurance, it’s a bad idea to buy poor coverage just to save money. There are many occasions where an insured dropped collision coverage only to regret that the small savings ended up costing them much more. The aim is to buy enough coverage at the lowest possible cost, but do not sacrifice coverage to save money.

We just covered many ideas to save on 2016 Mercedes-Benz G-Class insurance. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the lowest car insurance rates are with an unexpected company.

Consumers who switch companies do it for many reasons like not issuing a premium refund, delays in paying claims, lack of trust in their agent and even policy cancellation. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.

For more information, feel free to visit the articles below:

• Teen Driving Statistics (iihs.org)
• What is Covered by GAP Insurance? (Allstate)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Understanding Car Crashes Video (iihs.org)
• Medical Payments Coverage (Liberty Mutual)