2010 Mercedes-Benz G-Class Car Insurance Quotes – 9 Tips for Best Rates

Searching for the cheapest auto insurance rates for your Mercedes-Benz G-Class? Finding cheap prices on Driversauto insurance could be kind of frustrating for drivers new to shopping for insurance online. With such a large choice of insurance companies available, it can be a real challenge to find cheaper rates.

It’s important to do rate comparisons yearly since insurance rates change quite often. Just because you had the best deal on G-Class insurance last year you can probably find a lower rate today. You can find a lot of wrong information about auto insurance out there, but by reading this article, you’re going to learn some of the best techniques to find cheap auto insurance.

How to shop insurance online

There are several ways to compare quotes from all the different companies. The easiest way by far to compare rates is simply to get online rate quotes. This is very easy and can be done in several different ways.

The most efficient way to compare a lot of rates at once would be an industry-wide quote request form (click to open form in new window). This easy form saves time by eliminating separate forms for each company. Completing one form compares rates from all major companies. This is perfect if you don’t have a lot of time.

A harder way to analyze rates is going to the website for each individual company and get a separate price quote. For examples sake, let’s assume you want comparison quotes from Nationwide, State Farm and Allstate. To get rate quotes you would need to go to each individual site and enter your policy data, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

The final method to compare rates is to spend your day driving to and from local insurance agencies. Doing it all online eliminates this option unless you want the professional advice of a local agency. Some companies do allow you to get the lowest quotes online but have a local agent actually write the policy.

Whichever way you use, double check that you are using apples-to-apples coverages on every quote. If the quotes have mixed coverages then you won’t be able to make an equal comparison. Just a small difference in limits may result in large price differences. And when comparing insurance rates, know that comparing more rates from different companies will enable you to find the best rates.

These nine discounts can lower your auto insurance quotes

Buying auto insurance is not cheap, but there’s a good chance there are discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time of quoting, but some need to be specially asked for before they will apply.

  • Discount for Multiple Policies – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could save at least 10% off all policies.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Club Memberships – Joining a qualifying organization could trigger savings on your next auto insurance statement.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less on G-Class insurance compared to accident prone drivers.
  • Smart Student Discounts – Excelling in school may save as much as 25% on a auto insurance quote. Earning this discount can benefit you well after school through age 25.
  • Distant Student – Kids living away from home attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Military Discounts – Being deployed in the military could trigger a small discount.
  • Telematics Discount – Insureds who allow their insurance company to track where and when they drive by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Use Seat Belts – Drivers who require all occupants to fasten their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

Don’t be shocked that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few of the larger companies and a selection of discounts are included below.

  • Farm Bureau includes discounts for multi-policy, 55 and retired, good student, multi-vehicle, youthful driver, and safe driver.
  • State Farm offers premium reductions for good driver, driver’s education, Drive Safe & Save, multiple policy, good student, multiple autos, and defensive driving training.
  • Progressive may include discounts for good student, homeowner, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
  • Allstate policyholders can earn discounts including passive restraint, safe driver, multi-policy, eSmart discount, and good student.
  • Nationwide has discounts for accident-free, family plan, defensive driving, business or organization, anti-theft, and easy pay.
  • MetLife may offer discounts for good driver, claim-free, defensive driver, good student, multi-policy, and accident-free.

When getting a coverage quote, ask each company how you can save money. All car insurance discounts may not apply to policyholders in your state.

Different people need different auto insurance coverages

When it comes to buying coverage, there is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that can help discover if your insurance needs will benefit from professional help.

  • What exactly is covered by my policy?
  • When can I cancel my policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is my custom paint covered by insurance?
  • What if I owe more than I can insure my car for?
  • When should I buy a commercial auto policy?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Insurance coverage ads bend the truth

State Farm, Allstate and GEICO constantly bombard you with ads on television and other media. All the ads try to convey promises that drivers can save some big amount if you get a free auto insurance quote and switch your coverage to them. Is it even possible that every company can claim to save you money? This is the trick they use.

All companies quote their best rates for the type of customer that will be a good risk. One example of this type of insured might be a married male, owns a home, and has excellent credit. Any new insured who meets those qualifications receive the lowest rate quotes and will probably save some money.

Potential insureds who are not a match for those criteria will probably have to pay higher rates and business going elsewhere. If you pay attention, the ads say “drivers who switch” not “everybody who quotes” save that much. That’s the way companies can truthfully state the savings.

This illustrates why drivers must get auto insurance quotes from several different companies. It’s just not possible to know which company will have the lowest premium rates for your situation.

Insurance policy specifics

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Liability coverage

Liability insurance protects you from damage that occurs to a person or their property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like bail bonds, legal defense fees, medical expenses, medical services and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

Collision insurance pays for damage to your G-Class resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, scraping a guard rail and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as funeral costs, EMT expenses, prosthetic devices and surgery. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hail damage, rock chips in glass and a broken windshield. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2010 Mercedes-Benz G-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits are set the same as your liablity limits.

More quotes mean more savings

Insureds switch companies for any number of reasons including delays in paying claims, being labeled a high risk driver, delays in responding to claim requests or denial of a claim. Regardless of your reason for switching companies, choosing a new insurance company is not as hard as you think.

When searching for cheap auto insurance quotes, it’s very important that you do not reduce needed coverages to save money. There have been many situations where an accident victim reduced liability limits or collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your goal is to buy enough coverage at the best possible price.

We’ve covered some good ideas how to save on 2010 Mercedes-Benz G-Class insurance. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. You may even find the lowest priced insurance coverage comes from a small mutual company.

More detailed insurance coverage information is located in the articles below: