View 2017 Mercedes-Benz G-Class Car Insurance Rates

Trying to find cheaper auto insurance rates for your Mercedes-Benz G-Class? Searching for cheaper insurance for a new or used Mercedes-Benz G-Class can normally be an all-consuming task, but you can follow our auto insurance buying tips and make it easy.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages for your Mercedes-Benz and locate the cheapest rates.

It’s a good idea to compare rates as often as possible due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the lowest rate for G-Class insurance a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about auto insurance because you’re going to get a crash course in how to quote online to save on auto insurance.

Finding the best insurance is not that difficult. If you have insurance now or are shopping for new coverage, you can use these tips to reduce the price you pay and possibly find even better coverage. Drivers just need to understand the proper methods to compare price quotes on the web.

How to compare auto insurance price quotes

Effectively comparing auto insurance prices can be a lot of work if you don’t understand the best way to get rate quotes. You could waste a few hours talking to insurance agencies in your area, or you could save time and use online quoting to achieve your goal.

The majority of car insurance companies belong to a marketplace that enables customers to only type in their quote data once, and every company then returns a price quote based on that data. This saves time by eliminating form submissions to each company.

To compare rates using this form now click here to open in new window.

The one downside to using this type of system is you don’t know exactly which providers you want to price. If you prefer to choose specific providers to compare, we put together a list of auto insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make darn sure you compare the same coverage limits and deductibles on every quote you get. If you enter differing limits it will be nearly impossible to get a fair rate comparison.

Pay discount rates with these discounts

Insurance is not inexpensive, but there may be some discounts that many people don’t even know exist. Certain discounts will be applied when you purchase, but once in a while a discount must be asked for before you will receive the discount.

  • Include Life Insurance and Save – If the company offers life insurance, you could get better premium rates if you take out auto and life insurance together.
  • Anti-theft Discount – Vehicles optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Save with a New Car – Insuring a new car can save you some money because new vehicles are generally safer.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote insurance for G-Class insurance with select insurance companies.
  • Senior Citizen Discount – Drivers that qualify as senior citizens can get a slight reduction on a insurance quote for G-Class insurance.
  • Own a Home – Owning a house may trigger a policy discount on insurance because owning a home shows financial diligence.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Low Mileage – Driving fewer miles could qualify for discounted premium rates on garaged vehicles.

We need to note that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

To view insurance companies who offer cheap insurance quotes, click here.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

Here are some questions about coverages that can help discover if your situation would benefit from an agent’s advice.

  • How much liability insurance is required?
  • When should I remove comp and collision on my 2017 Mercedes-Benz G-Class?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Why does it cost so much to insure a teen driver?
  • Is my custom paint covered by insurance?
  • I have health insurance so do I need medical payments coverage?
  • Is my babysitter covered when using my vehicle?
  • What is roadside assistance coverage?
  • Are rock chip repairs covered?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Insurance policy specifics

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz G-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

This pays for damage to your G-Class from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as backing into a parked car, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like medical services, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like vandalism, rock chips in glass, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for funeral costs, X-ray expenses, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Make an honest buck

Insureds change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, denial of a claim and even questionable increases in premium. Regardless of your reason, choosing a new insurance company can be easier than you think.

When searching for the cheapest insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed full coverage and learned later that they should have had better coverage. The aim is to buy enough coverage at an affordable rate but still have enough coverage for asset protection.

We just presented some good ideas how you can lower your 2017 Mercedes-Benz G-Class insurance rates. The most important thing to understand is the more you quote insurance, the better your comparison will be. You may even discover the lowest rates are with some of the lesser-known companies.

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