2013 Mercedes-Benz G-Class Car Insurance Rates

Consumers have a choice when looking for the lowest priced Mercedes-Benz G-Class insurance. They can either spend hours contacting agents trying to get quotes or use the internet to compare rates.

There are both good and bad ways to compare auto insurance rates so you’re going to learn the quickest way to compare rates on a Mercedes-Benz and find the lowest price either online or from local insurance agents.

Car insurance policy discounts you can’t miss

The price of auto insurance can be rather high, but there could be significant discounts that can drop the cost substantially. Certain discounts will be triggered automatically at quote time, but a few must be specially asked for before you will receive the discount.

  • Sign Online – Some of the larger companies provide a small discount simply for signing online.
  • Clubs and Organizations – Having an affiliation with a professional or civic organization could earn you a nice discount on your next car insurance statement.
  • Discount for Good Grades – Excelling in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Passenger Safety Discount – Factory options such as air bags could see savings of up to 25% or more.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it will make them better drivers and lower rates.

One thing to note about discounts is that most credits do not apply to the entire cost. Some only reduce specific coverage prices like comp or med pay. Even though it appears all those discounts means the company will pay you, it’s just not the way it works. Any amount of discount will cut the amount you pay for coverage.

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

It’s a good idea to ask all companies you are considering which discounts can lower your rates. Discounts may not apply to policies in your area. To choose providers who offer discounts, click here to view.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different.

For example, these questions might point out whether or not you may require specific advice.

  • Am I getting all the discounts available?
  • Do I need motorclub coverage?
  • If my pet gets injured in an accident are they covered?
  • Am I covered when delivering products for my home-based business?
  • Should I put collision coverage on all my vehicles?
  • Will filing a claim cost me more?
  • Is a blown tire covered by insurance?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.

Car insurance advertisements

Drivers get pounded daily by advertisements for the lowest price car insurance by companies like Progressive, Allstate and GEICO. They all say the same thing that drivers will save a bundle just by switching your car insurance coverage to their company.

How does each company lower your auto insurance rates?

Insurance providers provide the lowest rates for the type of customer that will generate a profit. For instance, a preferred risk could possibly be over the age of 50, has no prior claims, and has a short commute. A propective insured who fits those characteristics will probably get cheap auto insurance rates and have a good chance to save some money.

Consumers who do not fit the ideal profile will have to pay a higher rate which usually ends up with the customer not purchasing. The trick is to say “drivers that switch” not “all people who quote” save that kind of money. This is how companies can truthfully make it sound like they have such great rates.

Different companies use different criteria so you should get as many free auto insurance quotes as possible. It’s just too difficult to predict which car insurance company will provide the lowest prices.

Car insurance coverage information

Understanding the coverages of insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your 2013 Mercedes-Benz G-Class.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Liability coverages – This provides protection from injuries or damage you cause to a person or their property. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, legal defense fees, funeral expenses, bail bonds and emergency aid. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Collision – This will pay to fix damage to your G-Class resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed, damage from flooding and hitting a deer. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for bills for surgery, ambulance fees, EMT expenses and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Money doesn’t grow on trees

People who switch companies do it for any number of reasons including delays in paying claims, delays in responding to claim requests, unfair underwriting practices and even denial of a claim. It doesn’t matter why you want to switch finding a new car insurance company is not as hard as you think.

When searching for cheaper auto insurance quotes, make sure you don’t reduce needed coverages to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy enough coverage at the best possible price.

We covered some good ideas how to get a better price on 2013 Mercedes-Benz G-Class insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the lowest priced car insurance comes from a small local company.

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