How Much Does 2017 Mercedes-Benz G-Class Insurance Cost?

Looking for lower insurance rates for your Mercedes-Benz G-Class? Do you think you bought overpriced insurance? Don’t sweat it because many drivers feel the same as you.

Due to the increasing number of insurance companies to choose from, it’s nearly impossible to pick the best company.

It’s a good idea to price shop coverage quite often since prices go up and down regularly. Even if you got the lowest rates on G-Class coverage on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because you’re going to get a crash course in one of the easiest ways to save on insurance.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you will most likely be able to save some money using these methods. Nevertheless, vehicle owners need to have an understanding of the way insurance companies market insurance on the web and use this information to your advantage.

Why smart buyers pay less for Mercedes-Benz G-Class insurance

Consumers need to have an understanding of the different types of things that go into determining the level of your policy premiums. If you have a feel for what determines base rates, this helps enable you to make changes that may reward you with lower insurance prices.

  • What are good liability protection limits? – The liability section of your policy is the protection when you are found to be at fault for damages from an accident. Liability provides legal defense coverage starting from day one. Liability is cheap as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Prevent coverage lapses – Driving with no insurance is illegal and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Add-on coverages that may not be needed – There are a ton of extra bells and whistles that can waste your money if you aren’t careful. Coverages like vanishing deductibles, high-cost glass coverage, and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but if you’ve never needed them in the past think about removing them and cutting costs.
  • Tickets increase premiums – Having a clean driving record has a lot to do with how much you pay for insurance. Drivers with clean records get better prices than bad drivers. Having a single chargable violation can increase the cost of insurance twenty percent or more. Drivers who get dangerous violations such as DUI or willful reckless driving may find that they have to to submit a SR-22 form with their state in order to keep their license.
  • Premiums are affected by your credit rating – Credit rating is a big factor in determining your rates. Therefore, if your credit score can use some improvement, you could potentially save money when insuring your 2017 Mercedes-Benz G-Class by repairing your credit. People that have high credit scores tend to be less risk to insure as compared to drivers with worse credit.
  • Teenagers vs. mature drivers – Older drivers are more cautious drivers, tend to file fewer claims , and are generally more financially stable.Inexperience drivers have a tendency to be less responsible with other occupants in the car therefore insurance rates are much higher.
  • Don’t abuse policy claims – If you tend to file frequent claims, don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies provide cheaper rates to people who are not frequent claim filers. Your car insurance is designed for claims that pose a financial burden.

These discounts can cut insurance rates

The cost of insuring your cars can be expensive, but you might already qualify for some discounts that may help make it more affordable. Certain discounts will be triggered automatically at the time of quoting, but lesser-known reductions have to be asked about prior to getting the savings.

  • College Student Discount – who attend college more than 100 miles from home and do not have a car can receive lower rates.
  • Accident Waiver – This one isn’t a discount, but a few companies such as GEICO, Allstate and Liberty Mutual may permit one accident without getting socked with a rate hike if you are claim-free prior to being involved in the accident.
  • ABS Brakes – Cars and trucks that have anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can receive discounts as much as 30%.
  • Claim Free – Good drivers with no accidents are rewarded with significantly better rates on insurance quote in comparison with bad drivers.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on G-Class coverage with some insurance companies.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to specific coverage prices like comp or med pay. So when it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business.

Large insurance companies and their possible discounts are included below.

  • State Farm offers discounts including defensive driving training, Steer Clear safe driver discount, safe vehicle, good driver, Drive Safe & Save, multiple policy, and anti-theft.
  • Farmers Insurance offers discounts for mature driver, homeowner, pay in full, teen driver, and business and professional.
  • GEICO may have discounts that include anti-lock brakes, multi-vehicle, emergency military deployment, multi-policy, seat belt use, and good student.
  • American Family may offer discounts for mySafetyValet, good driver, multi-vehicle, bundled insurance, accident-free, and early bird.
  • Nationwide has savings for anti-theft, good student, multi-policy, accident-free, easy pay, business or organization, and family plan.
  • Progressive includes discounts for online quote discount, continuous coverage, multi-policy, online signing, good student, homeowner, and multi-vehicle.

If you are trying to find inexpensive insurance quotes, ask each company the best way to save money. Depending on the company, some discounts may not be offered in every state. If you would like to see a list of companies that provide some of the discounts listed above, click here to view.

When do I need an agent’s advice?

When buying coverage for your vehicles, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions could help you determine if you will benefit from professional help.

  • Can I rent a car in Mexico?
  • Is my teenager covered with friends in the car?
  • Do I need an umbrella policy?
  • Do I need roadside assistance coverage?
  • Should I buy only the required minimum liability coverage?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Car insurance 101

Knowing the specifics of a car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement. Shown next are typical coverages found on the average car insurance policy.

Auto liability insurance

Liability insurance will cover damage or injury you incur to a person or their property that is your fault. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like repair bills for other people’s vehicles, attorney fees and court costs. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like hospital visits, doctor visits, X-ray expenses, dental work and EMT expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz G-Class.

Because many people carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision)

This covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, damage from flooding and a tree branch falling on your vehicle. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Keep this in mind

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. In many instances, an accident victim reduced full coverage only to regret that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage at the lowest possible cost, not the least amount of coverage.

Cost effective 2017 Mercedes-Benz G-Class insurance can be bought both online as well as from independent agents, so you need to quote insurance with both to get a complete price analysis. A few companies do not offer the ability to get a quote online and these smaller providers only sell coverage through independent agencies.

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