2008 Mercedes-Benz G-Class Insurance Rates

Consumers have options when looking for the lowest priced Mercedes-Benz G-Class insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to find the lowest rates. There is a better way to compare insurance coverage rates so you’re going to learn the quickest way to get price quotes for your Mercedes-Benz and get the lowest possible price from local insurance agents and online providers.

It’s a good idea to price shop coverage before your policy renews because rates change frequently. If you had the best rates on G-Class insurance on your last policy a different company probably has better rates today. Block out anything you think you know about insurance coverage because you’re about to find out the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Finding affordable coverage is quite easy. If you currently have car insurance, you will most likely be able to reduce your rates substantially using these tips. Consumers only need an understanding of the tricks to compare price quotes over the internet.

Finding Insurance

There are multiple methods to compare 2008 Mercedes-Benz G-Class insurance quotes, but one way is easier and takes less work. You could spend the better part of a day driving to agents in your area, or you could use online quoting to achieve your goal.

The majority of car insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and each company then gives them pricing determined by their information. This saves time by eliminating quotation requests to each individual insurance company.

To participate in this free quote system, click to open in new window.

One minor caviat to getting quotes like this is that consumers can’t choose which companies to get quotes from. So if you prefer to pick specific insurance companies to receive pricing from, we have a page of low cost insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage limits for each comparison quote. If you compare mixed coverages then you won’t be able to decipher which rate is best.

Do you qualify for a discount?

Car insurance companies don’t always publicize every available discount in an easy-to-find place, so we researched some of the best known and also the lesser-known car insurance savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Theft Prevention Discount – Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Defensive Driving Course – Completing a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Discount for New Cars – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Multi-car Discount – Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Safe Driver Discount – Safe drivers may receive a discount up to 45% less on G-Class insurance than less cautious drivers.
  • Military Discounts – Having a family member in the military can result in better rates.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home shows financial diligence.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • No Claims – Claim-free drivers can save substantially compared to bad drivers.

As a disclaimer on discounts, most discounts do not apply to the entire policy premium. The majority will only reduce individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, car insurance companies aren’t that generous.

For a list of insurers with the best car insurance discounts, follow this link.

Factors that can influence insurance rates for a Mercedes-Benz G-Class

Consumers need to have an understanding of the rating factors that come into play when calculating your insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that may reward you with big savings.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Are you male or female? – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women have accidents in similar numbers, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and therefore have the most expensive insurance rates.
  • Never let your coverage lapse – Having an insurance coverage lapse will be a sure-fire way to increase your insurance rates. And not only will your rates increase, but being ticketed for driving with no insurance might get you a hefty fine and possibly a revoked license.
  • Better credit means lower rates – Your credit score is a huge factor in calculating your insurance rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2008 Mercedes-Benz G-Class by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit.
  • Discounts for multiple policies – Many companies will award you with lower prices to people who have multiple policies with them, otherwise known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare rates to confirm you are receiving the best rates possible.
  • Where do you drive? – Driving more miles every year the higher your rate. Most companies charge to insure your cars based on how the vehicle is used. Autos that are left in the garage qualify for better rates compared to those used for work or business. Verify your insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your G-Class may be wasting your money.
  • Cautious drivers pay less – Your driving citation history has a lot to do with how much you pay for insurance. Good drivers tend to pay less for car insurance compared to drivers with tickets. Even a single citation can increase rates forty percent or more. Drivers who have flagrant citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
  • Where you live can impact rates – Choosing to live in a small town is a positive aspect when insuring your vehicles. Lower population means a lower chance of having an accident as well as less vandalism and auto theft. Drivers in populated areas regularly have more traffic problems and longer commute times. Higher commute times translates into higher accident risk.
  • Being married is a good thing – Having a spouse can actually save you money on insurance. Having a spouse translates into being more mature than a single person it has been statistically shown that being married results in fewer claims.

What coverages do I need?

When choosing proper insurance coverage, there really is no cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help highlight whether your personal situation will benefit from professional help.

  • Am I covered if I wreck a rental car?
  • How high should deductibles be on a 2008 Mercedes-Benz G-Class?
  • Is my ex-spouse still covered by my policy?
  • How can I get my company to pay me more for my totalled car?
  • Am I missing any policy discounts?
  • When should my teen driver be added to my policy?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and you can get the answers you need.

The car insurance bait and switch

Consumers can’t get away from ads for the lowest price auto insurance from companies such as Progressive, Geico, Allstate and State Farm. All the companies have a common claim that you’ll save big if you switch your policy.

How do they all make almost identical claims? It’s all in the numbers.

All the different companies have a preferred profile for the right customer they prefer to insure. A good example of a desirable insured could possibly be between 25 and 40, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Drivers who fall outside the requirements will have to pay higher prices which leads to business going elsewhere. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s the way insurance companies can advertise the way they do. Because of the profiling, drivers must get a wide range of price quotes. You cannot predict which car insurance company will provide you with the cheapest Mercedes-Benz G-Class insurance rates.

Detailed coverages of your car insurance policy

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as falling objects, fire damage, theft, vandalism and damage from flooding. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for dental work, doctor visits, X-ray expenses, chiropractic care and ambulance fees. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your G-Class from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like scraping a guard rail, sideswiping another vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your 2008 Mercedes-Benz G-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Liability auto insurance

This coverage protects you from injuries or damage you cause to other people or property. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims such as bail bonds, medical services, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Spend less. Save more.

When buying insurance coverage, it’s a bad idea to reduce coverage to reduce premium. In many cases, drivers have reduced physical damage coverage only to discover later that the small savings ended up costing them much more. The aim is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

The cheapest 2008 Mercedes-Benz G-Class insurance can be purchased online and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online price quotes and these small insurance companies work with independent agents.

In this article, we covered many tips how you can shop for insurance online. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. You may be surprised to find that the biggest savings come from the least-expected company.

More tips and info about insurance can be found by following these links: