Save on 2009 Mercedes-Benz G-Class Insurance Rates

I doubt anyone looks forward to paying for car insurance, particularly when they could find lower prices if they just compared rates. Insurance companies such as State Farm, Allstate, GEICO and Progressive continually bombard you with TV and radio ads and it can be hard to ignore the propoganda and find the best price available.

Cheapest insurance coverage price quotes

Reducing your 2009 Mercedes-Benz G-Class insurance rates is actually easier than you may think. Just spend a few minutes comparing price quotes online with multiple companies. It’s really simple and can be done using a couple different methods.

  1. One of the fastest ways to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This style of form prevents you from having to do repetitive form entry for every company. One form submission will get you price quotes from all major companies.
  2. A different way to obtain and compare quotes online requires you to visit each company website to complete their respective quote request forms. For examples sake, we’ll pretend you want rates from Allstate, Esurance and Progressive. In order to compare rates, you need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.

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

  3. The final method to compare price estimates is to spend time driving to insurance agencies in your area. Comparing rates online eliminates the need for an insurance agent unless you require the professional assistance that you can only get from talking to an agent. Some companies do allow you to price shop your coverage online but still have the advice of a local agent.

Compare rates however you want, just ensure you are comparing apples-to-apples coverages and limits for each quote you get. If you have mixed coverages then you won’t be able to make a fair rate comparison.

You may qualify for discounts

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that you may not know about. Some discounts apply automatically when you get a quote, but some discounts are required to be inquired about before you get the savings.

  • Defensive Driving Course – Passing a course that instructs on driving safety can save you 5% or more and make you a better driver.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more for G-Class insurance compared to accident prone drivers.
  • Payment Method – If you pay your bill all at once rather than spreading payments over time you can avoid the installment charge.
  • Air Bag Discount – Options like air bags may qualify for discounts of up to 25% or more.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
  • Bundle and Save – If you have multiple policies with one company you could save nearly 15% which can help you find affordable insurance.
  • Auto/Life Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Driver’s Ed – It’s a good idea to have your young drivers take driver’s ed class if offered at their school.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz may allow you to get slightly better prices than normal.
  • Homeowners Discount – Owning your own home or condo can help you save on car insurance because it means you have a higher level of financial diligence.

Just know that some of the credits will not apply the the whole policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you aren’t that lucky.

Some companies who might offer these benefits may include but are not limited to:

When comparing rates, check with every insurance company how many discounts you can get. Discounts might not apply in your state.

There’s no such thing as the perfect insurance coverage policy

When buying proper insurance coverage for your vehicles, there really is no best way to insure your cars. Everyone’s situation is a little different so your insurance should reflect that These are some specific questions can help discover if your situation could use an agent’s help.

  • Am I covered if I break a side mirror?
  • Is my 2009 Mercedes-Benz G-Class covered for smoke damage?
  • Does coverage extend to Mexico or Canada?
  • Which is better, split liability limits or combined limits?
  • Can my teen drive my company car?
  • How do I buy GAP insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

What determines Mercedes-Benz G-Class insurance rates?

When buying auto insurance it’s important to understand some of the factors that go into determining your policy premiums. If you have some idea of what impacts premium levels, this enables you to make decisions that will entitle you to much lower annual insurance costs. Many things are used in the calculation when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are less apparent like your vehicle usage or how safe your car is.

The list below includes some of the items used by companies to determine prices.

  • Lower rates come with age – Older people tend to be more responsible, are lower risk to insure and are safer drivers.Inexperience drivers tend to be inattentive and easily distracted with other occupants in the car so auto insurance rates are higher.
  • Safer cars means cheaper rates – Vehicles that have high safety ratings tend to have lower insurance rates. Safe vehicles reduce the chance of injuries and fewer injuries translates into savings for insurance companies which can result in lower premiums.
  • Which gender costs less? – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that men are WORSE drivers than women. Men and women cause at-fault accidents at a similar rate, but the males tend to have more serious accidents. Men also statistically get ticketed for serious violations like driving under the influence (DUI). Males from age 16 to 21 tend to get in the most accidents so they pay the highest premiums.
  • Marriage discount – Having a significant other may cut your premiums on your auto insurance bill. It may mean you are more mature than a single person and it’s proven that married drivers tend to have fewer serious accidents.
  • Do you have enough liability insurance? – A critical coverage on your policy, liability insurance kicks in if you are ruled to be at fault for damages caused by your negligence. It will provide you with a defense in court starting from day one. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.

Can you really save $435 a year?

Consumers can’t get away from ads that claim the cheapest rates from the likes of State Farm and Allstate. They all seem to convey the message that you can save if you just switch your policy.

It sounds good, but how can they all lower your rates? It’s all in the words they use.

Different companies provide the lowest rates for the type of driver that will add to their bottom line. An example of this type of insured might be between the ages of 30 and 45, insures multiple vehicles, and insures a new vehicle. A customer who fits those characteristics gets the lowest rates and will also save a lot if they switch.

Insureds who fall outside this stringent profile may receive higher premium rates which results in business going elsewhere. The ad wording is “people who switch” not “all people who quote” save that much when switching. That’s the way insurance companies can confidently state the savings. This really drives home the point why you need to compare price quotes frequently. It is impossible to guess which insurance coverage company will fit your personal profile best.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like a broken windshield, falling objects, damage from a tornado or hurricane and hitting a deer. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things like repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses such as ambulance fees, pain medications, EMT expenses, funeral costs and surgery. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Collision protection

This will pay to fix damage to your G-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, hitting a parking meter, sideswiping another vehicle, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz G-Class.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Saving money makes a lot of cents

As you prepare to switch companies, it’s very important that you do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped collision coverage to discover at claim time that it was a big error on their part. Your objective should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

In this article, we covered some good ideas how to lower your 2009 Mercedes-Benz G-Class insurance prices. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding affordable insurance. You may even discover the most savings is with a smaller regional carrier. Regional companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

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