Cheaper 2003 Mercedes-Benz G-Class Insurance Quotes

Trying to find cheaper insurance coverage rates for your Mercedes-Benz G-Class? Searching for cheaper insurance for your Mercedes-Benz G-Class can turn out to be an all-consuming task, but you can follow our insurance coverage buying tips to save time.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the proper way to quote coverages for your Mercedes-Benz and find the lowest price.

It’s important to check insurance coverage prices quite often because insurance coverage prices change frequently. Just because you found the best price for G-Class insurance two years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the best methods to find better rates and still maintain coverage.

If you have a policy now or are just looking to switch companies, you can use this information to cut your premiums while maintaining coverages. Pricing the best car insurance is simple if you know the tricks. Drivers just need to learn the proper way to compare company rates online.

Reduce insurance rates with these tips

Many things are part of the equation when quoting car insurance. Most are fairly basic like your driving record, although some other factors are not as apparent like where you live or how safe your car is.One of the most helpful ways to save on insurance is to to have a grasp of the rating factors that aid in calculating the rates you pay for insurance. When you understand what controls the rates you pay, this allows you to make educated decisions that will entitle you to cheaper rates.

Listed below are a partial list of the pieces companies use to determine prices.

  • Males pay more for insurance – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are WORSE drivers than women. Males and females cause auto accidents in similar percentages, but guys get into accidents with more damage. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.
  • High credit score translates to low costs – Having a bad credit rating can be an important factor in determining what you pay. People that have very high credit ratings tend to be less risk to insure than drivers with poor credit scores. If your credit can be improved, you could be paying less to insure your 2003 Mercedes-Benz G-Class if you clean up your credit.
  • Better drivers pay better costs – Only having one moving violation may increase your cost twenty percent or more. Attentive drivers receive lower rates compared to bad drivers. Drivers with flagrant tickets like DUI, reckless driving or excessive speeding are required to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to drive a vehicle legally.
  • Consolidate policies to earn discounts – Lots of insurance companies give discounts to buyers that have more than one policy such as combining an auto and homeowners policy. Even if you’re getting this discount consumers should still compare other insurance prices to guarantee you are still saving the most. It’s possible to still save even more by buying insurance from more than one company.
  • Use but don’t abuse your insurance – Insurance companies award the lowest premiums to policyholders who only file infrequent claims. If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance is intended for more catestrophic claims.

How to buy insurance coverage online

Finding low cost 2003 Mercedes-Benz G-Class insurance coverage rates is a fairly straight forward process. All that’s required is to invest a little time comparing rates online from several insurance companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  • If you are pressed for time, the simplest way to get quotes is to use a rate comparison form like this one (opens in new window). This method keeps you from doing boring form submissions for each price estimate. Completing one form will return quotes from multiple companies. This is by far the quickest method.
  • A more difficult way to find lower rates consists of going to each company website to complete a price quote. For instance, let’s assume you want comparison quotes from Progressive, GEICO and Liberty Mutual. To do that, you would have to go to every website to input your insurance information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.

Which method you use is up to you, but ensure you are comparing nearly identical information on every quote. If the quotes have different values for each quote you will not be able to decipher which rate is best.

Can you really save that much by switching?

Consumers can’t get away from all the ads that promise big savings by companies like State Farm and Allstate. All the ads make the point that people will save just by switching your auto insurance coverage to their company.

How do they all say the same thing? It’s all in the numbers.

Most companies have specific criteria for the right customer that earns them the most money. For example, this type of insured could be a married female, has other policies, and does not commute to work. A customer getting a price quote who meets those qualifications receive the lowest rate quotes and will probably cut their rates substantially.

Consumers who cannot meet the requirements will be quoted higher rates which results in business going elsewhere. If you pay attention, the ads say “drivers that switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way companies can truthfully lure you into getting a quote.

This really illustrates why it’s extremely important to compare price quotes frequently. Because you cannot predict which company will give you the biggest savings.

Get cheaper insurance with discounts

Insurance can cost an arm and a leg, but you might be missing out on some discounts that can dramatically reduce your bill. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied in order for you to get them. If you are not receiving all the discounts available, you are throwing money away.

  • First Accident Forgiveness – Not necessarily a discount, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase so long as you are claim-free before the accident.
  • Driver Education Discount – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Paperless Signup – Some of the larger companies will give a small break shop insurance on the internet.
  • Accident-Free Discounts – Claim-free drivers can save substantially as opposed to drivers with a long claim history.
  • Renewal Discounts – A few insurance companies give discounts for switching to them prior to your current policy expiration. You could save around 10% when you buy insurance online.
  • Pay Early and Save – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
  • Seat Belt Discounts – Drivers who require all occupants to buckle up could cut 10% or more on the premium charged for medical payments and/or PIP.

It’s important to understand that most discounts do not apply the the whole policy. Most cut the price of certain insurance coverages like comp or med pay. Despite the appearance that all those discounts means the company will pay you, companies wouldn’t make money that way.

Companies and a summarized list of policyholder discounts are:

  • American Family may offer discounts for multi-vehicle, defensive driver, good driver, good student, Steer into Savings, early bird, and bundled insurance.
  • State Farm has discounts for student away at school, multiple policy, good student, Steer Clear safe driver discount, multiple autos, and passive restraint.
  • 21st Century offers premium reductions for teen driver, 55 and older, theft prevention, air bags, defensive driver, and automatic seat belts.
  • Travelers offers discounts for multi-policy, hybrid/electric vehicle, good student, driver training, new car, continuous insurance, and save driver.
  • GEICO may include discounts for air bags, multi-policy, multi-vehicle, daytime running lights, and anti-lock brakes.

When quoting, ask every insurance company the best way to save money. Some credits may not be available in every state. To choose insurance companies that offer discounts, follow this link.

Tailor your car insurance coverage to you

When choosing coverage for your vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • Should I drop comprehensive coverage on older vehicles?
  • Are there companies who specialize in insuring high-risk drivers?
  • What is UM/UIM insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • How can I find cheaper teen driver insurance?
  • Will filing a claim cost me more?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need special endorsements for business use of my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Insurance coverage basics

Having a good grasp of a insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses for prosthetic devices, surgery and doctor visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Auto liability – This will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

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 limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like repair costs for stationary objects, repair bills for other people’s vehicles, pain and suffering and attorney fees. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a tree branch falling on your vehicle, damage from a tornado or hurricane, theft, a broken windshield and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

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

Collision coverage protects against things such as colliding with a tree, scraping a guard rail and sideswiping another vehicle. 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 choose a higher deductible in order to get cheaper collision rates.

Never pay more for less

We covered some good ideas how to lower your 2003 Mercedes-Benz G-Class insurance prices. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding the cheapest insurance. You may be surprised to find that the lowest priced insurance comes from a lesser-known regional company.

When you buy insurance online, do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced physical damage coverage and discovered at claim time that it was a big mistake. Your goal should be to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

People change insurance companies for many reasons like being labeled a high risk driver, an unsatisfactory settlement offer, denial of a claim or even delays in paying claims. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

Additional information can be read at the links below