Compare 2017 Mercedes-Benz G-Class Insurance Cost

Overpriced Mercedes-Benz G-Class insurance can diminish your accounts and force you to make tough financial choices.

Online insurance companies like Progressive, Geico and Farmers Insurance continually bombard you with ad campaigns and it can be hard to see through the deception and effectively compare rates to find the best deal.

You should make it a habit to shop coverage around occasionally because auto insurance prices are constantly changing. Just because you found the best deal for G-Class insurance on your last policy there is a good chance you can find better rates now. Block out anything you think you know about auto insurance because we’re going to demonstrate how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Four things that influence your insurance prices

Part of the car insurance buying process is learning the rating factors that help calculate the level of your policy premiums. When consumers understand what influences your rates, this helps enable you to make changes that can help you get lower car insurance prices. Many things are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, although some other factors are not as apparent such as your credit history or your commute time.

The factors shown below are just a few of the factors used by your company to calculate prices.

• Cars with good safety ratings save money – Vehicles that have high safety ratings can get you lower premiums. Safe vehicles reduce injuries and any reduction in injury severity means your insurance company pays less passed on to you as lower rates.
• Rates increase with policy add-ons – There are a ton of optional add-on coverages that sound like a good idea at the time if you don’t pay attention. Add-on coverages like coverage for rental cars, towing coverage, and Farm Bureau memberships are some examples. You may think they are a good idea at first, but if you’ve never needed them in the past remove them and pocket the money.
• Your credit history is important – Credit score can be a huge factor in determining your rates. Drivers with high credit ratings tend to be less risk to insure than drivers who have lower ratings. If your credit rating is low, you could be paying less to insure your 2017 Mercedes-Benz G-Class by improving your rating.
• Tickets and citations cost more than a fine – Attentive drivers get better rates compared to drivers with tickets. Just one chargable violation can increase rates substantially. Drivers unfortunate enough to have severe violations like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state DMV in order to legally drive.

Low cost car insurance

When looking for affordable insurance quotes, there are a couple ways to compare rate quotes from lots of car insurance companies. The easiest way to find the cheapest 2017 Mercedes-Benz G-Class insurance rates is to use the internet to compare rates. It is quite easy and can be accomplished in a couple minutes as outlined below.

1. The easiest and least time consuming way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This quick form keeps you from doing repetitive form entry for each company you want a rate for. One form submission will return quotes from multiple low-cost companies.
2. A less efficient way to find better pricing requires a visit to each individual company website and complete a new quote form. For sake of this example, we’ll pretend you want rates from USAA, Farmers and Allstate. You would need to go to every website to enter the same coverage data repeatedly, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
3. The least efficient method to shop rates is driving around to all the different insurance agencies. The ability to quote online has reduced the need for local agents unless you have a complicated situation and need the trained advice of a licensed agent. It is possible with some companies compare the best prices online but have a local agent actually write the policy.

It doesn’t matter which method you choose, just make sure you are using the same coverage data for every quote you compare. If you compare different limits and deductibles on each one it’s impossible to decipher which rate is best. Just slight variations in coverages could mean much higher rates. Just keep in mind that comparing a wide range of rates gives you a better chance of getting the best price.

Insurance coverage policy discounts

Some insurers do not list the entire discount list very well, so the list below details both well-publicized as well as some of the hidden credits available to lower your premiums when you buy insurance online.

• Accident Forgiveness Coverage – Not really a discount, but companies like Allstate and Progressive will allow you to have one accident without the usual rate increase so long as you are claim-free before the accident.
• Homeowners Discount – Owning a house can help you save on insurance coverage because of the fact that having a home is proof of financial responsibility.
• Multiple Cars – Having primary and secondary vehicles on the same insurance coverage policy may reduce the rate for each vehicle.
• Driver’s Education for Students – Teen drivers should enroll and complete driver’s education if offered at their school.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20 to 30 percent.
• Multi-policy Discount – If you can combine your homeowners and auto policy and insure them with the same company you may earn at least 10 to 15 percent or more.

Discounts lower rates, but some of the credits will not apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

For a list of insurers with the best discounts, click here.

How do I know if I need professional advice?

When buying adequate coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether or not you would benefit from professional advice.

• Is my custom paint covered by insurance?
• What if I owe more than I can insure my car for?
• If my pet gets injured in an accident are they covered?
• Does coverage extend to Mexico or Canada?
• Should I buy additional glass protection?
• Should I put collision coverage on all my vehicles?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on the average car insurance policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your Mercedes-Benz G-Class.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, damage from flooding and rock chips in glass. The maximum payout a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims like attorney fees, medical expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, prosthetic devices, pain medications and hospital visits. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Make a quick buck

When searching for the cheapest insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

Throughout this article, we presented quite a bit of information on how to reduce 2017 Mercedes-Benz G-Class insurance rates online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest rates come from some of the smallest insurance companies. These companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm and Allstate.

Budget-conscious 2017 Mercedes-Benz G-Class insurance is definitely available both online and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies don’t offer online quoting and usually these small, regional companies prefer to sell through local independent agencies.

More learning opportunities

• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Auto Insurance Learning Center (State Farm)
• Prepare your Teens for Safe Driving (InsureUonline.org)