2015 Mercedes-Benz G-Class Insurance Quotes

Locating the lowest price car insurance over the internet may be rather challenging for vehicle owners that are relatively new to comparing rates and buying car insurance over the internet. With dozens of companies, how can anyone effectively compare each option to find cheaper car insurance prices?

You should make it a habit to shop coverage around yearly because insurance prices are variable and change quite frequently. Just because you had the best rate on G-Class insurance on your last policy you can probably find a better premium rate now. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in one of the quickest ways to find better rates and still maintain coverage.

Car insurance quotes comparison

There are several ways to shop for car insurance, and some are less labor-intensive and much quicker. You can spend countless hours talking about coverages with local insurance agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many insurance companies take part in a program where prospective buyers submit their information once, and each participating company then gives them pricing determined by their information. This prevents consumers from doing quotation requests for each company.

To compare pricing click here (opens in new window).

The one downside to doing it this way is you cannot specify the insurers you want pricing from. So if you want to select specific insurance companies to receive pricing from, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make sure you compare equivalent coverage information on every quote you get. If the quotes have different deductibles it will be very difficult to make an equal comparison. Quoting even small variations in coverage limits could throw off the whole comparison. And when comparison shopping, more quotes helps improve the odds of finding the best rates. Not every company provides rate quotes online, so you also need to get quotes on coverage from those companies, too.

Pay discount rates with these discounts

The cost of insuring your cars can be expensive, but there’s a good chance there are discounts to help offset the cost. Certain credits will be shown when you purchase, but some discounts are required to be manually applied in order for you to get them.

  • Student in College – Children who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be able to be covered for less.
  • Cautious Driver Discounts – Drivers who avoid accidents can save as much as half off their rates on G-Class insurance than drivers with accident claims.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Defensive Driver Discount – Successfully completing a defensive driving course could cut 5% off your bill depending on where you live.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts may get savings as much as 30%.
  • Senior Discount – Older drivers could receive better car insurance rates on G-Class insurance.

Consumers should know that most credits do not apply to the entire policy premium. Most cut individual premiums such as comprehensive or collision. Just because it seems like you could get a free car insurance policy, you aren’t that lucky.

Car insurance companies that have some of the discounts shown above may include but are not limited to:

If you are trying to find inexpensive insurance quotes, ask each insurance company which discounts you may be entitled to. Some discounts may not be offered in your area.

Your situation helps dictate your coverage

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • If my pet gets injured in an accident are they covered?
  • Should I carry comprehensive and collision coverage?
  • When should my teen driver be added to my policy?
  • How do I file an SR-22 for a DUI in my state?
  • How much can I save by bundling my policies?
  • Why do I only qualify for high-risk insurance?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Get cheaper insurance prices by understanding these factors

Many things are used in the calculation when pricing auto insurance. Most are fairly basic such as your driving record, although others are less apparent like where you live or how financially stable you are.The best way to find cheaper auto insurance is to take a look at the factors that play a part in calculating your policy premiums. When you understand what impacts premium levels, this allows you to make educated decisions that could result in much lower annual insurance costs.

  • Your career may increase auto insurance rates – Jobs like real estate brokers, social workers and emergency personnel are shown to have higher premiums than the average policyholder because of high stress levels and extremely grueling work hours. On the other hand, careers such as actors, historians and the unemployed have the lowest average rates on G-Class insurance.
  • Older drivers pay less – Older, more experienced drivers have been proven to be more responsible, are lower risk to insure , and usually have better credit.Youthful drivers have a tendency to be careless and easily distracted when driving so auto insurance rates are higher.
  • More traffic equals higher prices – Being located in a small town is a positive aspect when shopping for auto insurance. City drivers have to deal with congested traffic and much longer commute distances. Fewer drivers on the road corresponds to lower accident rates in addition to fewer liability claims.
  • Cut premiums and deter theft – Driving a car with a theft deterrent system can help lower your rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop auto theft.
  • Extra coverages push up premiums – There are a ton of extra coverages that can add up if you aren’t diligent. Coverage for things like rental car reimbursement, better glass coverage, and Farm Bureau memberships may be costing you every month. They may seem good when you first buy your policy, but your money might be better spent on other coverage so remove them and pocket the money.
  • Cheaper rates after marriage – Having a wife or husband can actually save you money compared to being single. Having a spouse usually means you are more mature and responsible and statistics prove drivers who are married are more cautious.
  • Drive less and get lower costs – The higher the mileage driven in a year the higher the price you pay to insure it. Almost all companies charge rates based on their usage. Cars left parked in the garage qualify for better rates than vehicles that are driven to work every day. Having an incorrect usage rating on your G-Class can cost quite a bit. Verify your auto insurance policy correctly shows the correct usage.

Save 15 percent in 15 minutes? Is it for real?

Big name companies like Progressive, Allstate and GEICO regularly use television and radio advertisements. All the ads make an identical promise about savings if you move your car insurance coverage to their company. How does every company charge lower premium rates? This is the trick they use.

Companies give the cheapest rates for the driver that earns them the most money. An example of a desirable insured may be between the ages of 30 and 50, owns their home, and chooses high deductibles. A propective insured who fits those characteristics receive the lowest rate quotes and therefore will save a lot of money.

Consumers who are not a match for the ideal profile must pay higher premium rates which usually ends up with business going elsewhere. The wording the ads use say “drivers that switch” not “everyone who quotes” save that much money. That is how companies can make it sound like they have such great rates.

Each company has different criteria, so it’s extremely important to do a price quote comparison at every renewal. It is impossible to guess which insurance companies will give you the biggest savings.

Insurance coverage basics

Understanding the coverages of your policy can be of help when determining the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hail damage, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical services, structural damage, pain and suffering and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for bills like ambulance fees, rehabilitation expenses, hospital visits, chiropractic care and EMT expenses. They are used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz G-Class.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Quote more. Save more.

Some insurance providers may not have online quoting and most of the time these small, regional companies only sell coverage through independent insurance agencies. Lower-priced 2015 Mercedes-Benz G-Class insurance can be sourced both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

In this article, we covered many ideas to get a better price on 2015 Mercedes-Benz G-Class insurance. The key concept to understand is the more you quote insurance, the better your comparison will be. Drivers may discover the lowest prices are with a small local company.

Drivers who switch companies do it for any number of reasons including lack of trust in their agent, questionable increases in premium, delays in responding to claim requests and policy non-renewal. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.

Much more information about auto insurance can be read at these links: