Lower Your 2004 Mercedes-Benz G-Class Insurance Rates

Are you irritated from being strong-armed to keep your car insured? Your situation is no different than millions of other people.

People have multiple auto insurance companies to pick from, and though it is a good thing to have a choice, lots of choices makes it harder to get the best deal.

You should take the time to take a look at other company’s rates before your policy renews because prices go up and down regularly. Just because you had the lowest quotes for G-Class insurance six months ago you will most likely find a better rate today. Ignore everything you know about insurance because we’re going to demonstrate the tricks you need to know to eliminate unnecessary coverages and save money.

Shopping for cheaper coverage is quite easy. Essentially every vehicle owner who buys car insurance most likely will be able to reduce their rates. Nevertheless, vehicle owners must know how big insurance companies determine prices and take advantage of how the system works.

The best way we recommend to compare car insurance rates utilizes the fact most of the larger companies participate in a system to compare their rates. To get started, all you need to do is give them rating details like whether or not you need a SR-22, which vehicles you own, how your vehicles are used, and your credit rating estimate. Those rating factors is automatically sent to all major companies and they respond with quotes almost instantly.

To start a rate quote now, click here and complete the form.

Discounts to earn lower-cost insurance coverage rates

Auto insurance companies don’t necessarily list the complete list of policy discounts in an easy-to-find place, so the list below contains both the well known as well as the least known discounts that may be available.

  • E-sign – A few larger online companies provide a small discount for buying your policy on the web.
  • Professional Organizations – Being a member of qualifying clubs or civic groups is a good way to get lower rates on insurance coverage.
  • No Claims – Insureds with no claims or accidents get the best insurance coverage rates compared to frequent claim filers.
  • Discount for New Cars – Adding a new car to your policy can get you a discount since newer models have better safety ratings.
  • Drive Less and Save – Driving fewer miles can qualify you for slightly better rates than normal.
  • Pay Early and Save – By paying your policy upfront rather than paying in monthly installments you may reduce your total bill.

We need to note that some of the credits will not apply to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. Just because you may think you could get a free insurance coverage policy, it doesn’t quite work that way.

A partial list of companies that may include most of these discounts include:

When getting a coverage quote, ask all the companies the best way to save money. All car insurance discounts may not apply to policies in your state.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions can help discover if you may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen drive my company car?
  • Should I have combined single limit or split liability limits?
  • Should I buy more coverage than the required minimum liability coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • When would I need rental car insurance?
  • Is my trailer covered?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage basics

Learning about specific coverages of your auto insurance policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

Collision – Collision insurance covers damage to your G-Class resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, hitting a parking meter, scraping a guard rail, crashing into a ditch and backing into a parked car. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as doctor visits, pain medications, chiropractic care, funeral costs and EMT expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability insurance – This coverage protects you from injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as court costs, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a bird, hitting a deer, a broken windshield and hail damage. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.