Save on 2002 Mercedes-Benz G-Class Car Insurance Rates

Overwhelmed by the sheer number of car insurance companies? You’re not the only one! Drivers have so many choices that it can easily become more work than you anticipated to find lower rates.

Discounts can save BIG

Companies offering auto insurance do not list every available discount in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find insurance savings.

  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Driver Safety – Successfully completing a defensive driving course can save you 5% or more if your company offers it.
  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Student in College – Youth drivers who attend school more than 100 miles from home and don’t have a car may be able to be covered for less.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.

Drivers should understand that some of the credits will not apply to your bottom line cost. Some only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears you could get a free insurance policy, you won’t be that lucky.

A partial list of companies that may offer these benefits include:

It’s a good idea to ask all companies you are considering how you can save money. Savings might not apply everywhere.

How to Compare Auto Insurance Quotes

When shopping for auto insurance there are multiple ways of comparing price quotes from different insurance companies. The best method to find competitive 2002 Mercedes-Benz G-Class insurance rates consists of obtaining rate quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. The single most time-saving way to compare a lot of rates at once is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing separate quote forms for each company. One form will get you price quotes instantly. Just one form and you’re done.
  2. A slightly less efficient method to find lower rates is spending the time to visit each individual company website to request a price quote. For examples sake, let’s assume you want rates from Auto-Owners, Allstate and Geico. You would have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing the exact same quote information on every quote you get. If you compare different values for each quote it will be very difficult to decipher which rate is best. Quoting even small variations in coverages may cause a big price difference. And when price shopping your coverage, more quotes will increase your chances of finding the best price.

Will just any policy work for me?

When it comes to choosing adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

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

  • Do I have coverage when using my vehicle for my home business?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is motorclub coverage worth it?
  • Am I covered when using my vehicle for business?
  • Do I have coverage if my license is suspended?
  • If my pet gets injured in an accident are they covered?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form.

Learn about insurance coverages for a Mercedes-Benz G-Class

Understanding the coverages of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Liability coverage

Liability coverage will cover damage or injury you incur to a person or their property in an accident. 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. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like loss of income, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, fire damage, hitting a deer and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for bills such as dental work, doctor visits, EMT expenses and surgery. They are often used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Auto collision coverage

Collision insurance covers damage to your G-Class from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, hitting a mailbox, hitting a parking meter and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Money doesn’t grow on trees

Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, policy non-renewal, poor customer service and even being labeled a high risk driver. It doesn’t matter what your reason, switching companies can be pretty painless.

As you shop your coverage around, never sacrifice coverage to reduce premiums. In many instances, someone sacrificed physical damage coverage only to find out that they should have had better coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

We just presented many ideas to compare 2002 Mercedes-Benz G-Class insurance prices online. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the lowest premiums are with an unexpected company.

Additional information is located at the links below