2008 Mercedes-Benz G-Class Insurance Cost – 7 Ideas for Cheaper Prices

Trying to find better insurance rates for your Mercedes-Benz G-Class? Having to pay for pricey insurance can bleed your budget and force you to make sacrifices. Doing a price comparison is free and is an excellent way to make ends meet.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm all promote huge savings with catchy ads and it can be hard to see past the geckos and flying pigs and find the best price available.

Consumers should take time to quote other rates yearly because insurance prices are rarely the same from one policy term to another. Just because you had the lowest price for G-Class insurance a year ago you can probably find a better rate quote now. Forget all the misinformation about insurance because you’re about to learn the quickest way to find great coverage at a great price.

How much is car insurance?

When shopping for cheaper car insurance quotes, there are a couple of ways to compare prices from local car insurance companies. The best method to find the cheapest 2008 Mercedes-Benz G-Class insurance rates is to use the internet to compare rates. It’s really quite simple and can be done in a couple minutes as outlined below.

  • The fastest way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form eliminates the need for separate quotation requests for every car insurance company. One form submission gets rate comparisons from all major companies.
  • Another way to obtain and compare quotes online is to manually visit each company website to complete a price quote. For instance, let’s say you want to get rates from Progressive, Esurance and GEICO. You would need to go to every website to enter your coverage information, which can get old fast.

    For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but make absolute certain that you use nearly identical coverages for each quote you get. If you compare unequal deductibles or liability limits it will be next to impossible to make an equal comparison. Quoting even small variations in coverage limits may cause a big price difference. And when comparison shopping, more quotes will improve the odds of getting the best offered rates.

Insurance discounts help lower rates

Car insurance is not cheap, but you might already qualify for some discounts that many consumers don’t even know exist. Some discounts apply automatically when you complete an application, but a few must be manually applied before you get the savings.

  • Professional Organizations – Joining qualifying employment or professional organizations could trigger savings on your policy.
  • Military Discounts – Being on active deployment in the military could mean lower prices.
  • Good Student Discount – Being a good student may save you up to 25%. This discount can apply up until you turn 25.
  • Own a Home and Save – Owning your own home or condo can get you a discount due to the fact that maintaining a home requires personal responsibility.
  • Multiple Vehicles – Insuring multiple vehicles with the same company can get a discount for every vehicle.
  • Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a lower rate if you buy some life insurance in addition to your auto policy.
  • Employee of Federal Government – Employees or retirees of the government may qualify for a discount when you quote car insurance for G-Class insurance with certain companies.

Policy discounts save money, but most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, companies don’t profit that way.

Large insurance companies and their offered discounts are outlined below.

  • State Farm has discounts for Drive Safe & Save, Steer Clear safe driver discount, multiple autos, defensive driving training, and multiple policy.
  • Progressive offers premium reductions for continuous coverage, homeowner, good student, online quote discount, multi-vehicle, and online signing.
  • Progressive has savings for multi-policy, good student, multi-vehicle, continuous coverage, online quote discount, and homeowner.
  • MetLife offers discounts for defensive driver, good student, accident-free, good driver, multi-policy, claim-free
  • Farm Bureau includes discounts for renewal discount, youthful driver, driver training, safe driver, multi-vehicle, multi-policy, and 55 and retired.
  • GEICO may include discounts for driver training, anti-theft, defensive driver, multi-policy, military active duty, and seat belt use.
  • SAFECO policyholders can earn discounts including homeowner, safe driver, anti-lock brakes, anti-theft, teen safe driver, and teen safety rewards.

When getting a coverage quote, ask every insurance company what discounts are available to you. Depending on the company, some discounts might not apply in your state. If you would like to view companies that offer many of these discounts, click this link.

Which is the best auto insurance?

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • Does my policy cover me when driving someone else’s vehicle?
  • Should I get collision insurance on every vehicle?
  • Am I covered when delivering products for my home-based business?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does having multiple vehicles earn me a discount?
  • What is PIP insurance?
  • Do I need an umbrella policy?
  • Does insurance cover damages from a DUI accident?
  • How can I find cheaper teen driver insurance?
  • Is a blown tire covered by insurance?

If you can’t answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Car insurance coverages explained

Understanding the coverages of your car insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on most car insurance policies.

Liability car insurance

Liability coverage will cover damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like legal defense fees, court costs and loss of income. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Collision insurance

This coverage will pay to fix damage to your G-Class from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as damaging your car on a curb, scraping a guard rail, backing into a parked car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your 2008 Mercedes-Benz G-Class.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like dental work, chiropractic care, doctor visits and funeral costs. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, theft, damage from getting keyed, hitting a deer and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Final thoughts

Cheap 2008 Mercedes-Benz G-Class insurance can be purchased both online as well as from insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

In this article, we presented many ideas to reduce 2008 Mercedes-Benz G-Class insurance premium rates online. The most important thing to understand is the more price quotes you have, the better likelihood of getting cheaper car insurance. Consumers could even find that the most savings is with the least-expected company. These companies can often insure niche markets at a lower cost compared to the large companies like Progressive or GEICO.

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