Lower Your 2012 Mercedes-Benz G-Class Car Insurance Cost

Consumers have many options when looking for affordable Mercedes-Benz G-Class insurance. They can either spend hours contacting agents trying to get quotes or utilize the internet to make rate comparisons.

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

It’s a good idea to do rate comparisons occasionally because prices change frequently. Even if you think you had the lowest price for G-Class coverage a year ago you can probably find a better rate quote now. Ignore everything you know about car insurance because it’s time to teach you one of the easiest ways to save on car insurance.

How to find cheap insurance

There are a variety of methods you can shop for insurance but there is one way that is less time-consuming than others. You can waste a few hours (or days) driving to agents in your area, or you could save time and use online quotes to accomplish the same thing much quicker.

Many of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and at least one company then gives them pricing determined by their information. This eliminates the need for repetitive form submissions to every company.

To enter your information into the quoting system, click to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which providers to get quotes from. So if you prefer to choose specific insurance companies to compare, we have a page of the cheapest insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but compare the exact same coverage information on every quote you get. If you are comparing different deductibles it will be nearly impossible to make a fair rate comparison.

Take advantage of every insurance coverage discount

Some providers do not advertise every discount in a way that’s easy to find, so the following list contains some of the best known and also the more inconspicuous credits available to you.

Government Employee Discount – Employees or retirees of the government may qualify for a discount when you quote car insurance for G-Class coverage with a few insurance coverage companies.
Waiver for an Accident – This one isn’t a discount, but some companies like Allstate and Geico permit an accident before your rates go up as long as you don’t have any claims for a specific time period.
Discount for Life Insurance – Larger insurance companies have a lower insurance coverage rate if you buy some life insurance too.
Multiple Vehicles – Having all your vehicles on a single policy can get a discount for every vehicle.
ABS Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents so you can save 10 percent or more.
Sign Online – A few larger online companies will discount your bill up to fifty bucks shop car insurance on the internet.
Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education as it can save substantially.
Low Mileage – Maintaining low annual mileage could earn lower premium rates on the low mileage vehicles.
Telematics Discount – Drivers who agree to allow companies to monitor driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot may get a rate reduction if they are good drivers.
Claim Free – Drivers with accident-free driving histories can save substantially as compared to policyholders that have many claims.

Remember that some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way. Any qualifying discounts will cut your overall bill.

Larger insurance coverage companies and a summarized list of policyholder discounts can be read below.

Mercury Insurance has discounts for anti-theft, multi-car, multi-policy, location of vehicle, good driver, and age of vehicle.
Farmers Insurance offers premium reductions for teen driver, switch companies, youthful driver, bundle discounts, alternative fuel, and homeowner.
Farm Bureau discounts include youthful driver, multi-policy, good student, renewal discount, safe driver, and multi-vehicle.
State Farm has savings for good driver, passive restraint, defensive driving training, accident-free, student away at school, and Steer Clear safe driver discount.
Allstate offers discounts including teenSMART discount, safe driver, multi-policy, senior citizen, anti-lock brakes, and FullPay discount.
Geico includes discounts for anti-lock brakes, seat belt use, multi-vehicle, good student, and emergency military deployment.

When comparing rates, check with every insurance company how you can save money. Some credits may not apply to policyholders in every state. If you would like to see a list of companies that offer multiple discounts, click here.

How to know if you need help

When choosing the best auto insurance coverage for your vehicles, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your insurance needs would benefit from an agent’s advice.

Do I need higher collision deductibles?
Which is better, split liability limits or combined limits?
Is my ex-spouse still covered by my policy?
Who is covered when they drive my 2012 Mercedes-Benz G-Class?
Is my state a no-fault state?
Is my teen driver covered when they drive my company car?
When should I not file a claim?
Is pleasure use cheaper than using my 2012 Mercedes-Benz G-Class to commute?
Is upholstery damage covered by car insurance?
Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of a car insurance policy helps when choosing the right coverages for your vehicles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection

This will pay to fix 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 like damage from a tornado or hurricane, damage from flooding and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured or underinsured coverage

This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, sideswiping another vehicle, crashing into a building, driving through your garage door and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Liability coverages

This coverage will cover damage or injury you incur to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like loss of income, repair costs for stationary objects, pain and suffering, medical expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage reimburse you for short-term medical expenses such as X-ray expenses, pain medications, chiropractic care, EMT expenses and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible