2004 Mercedes-Benz G-Class Car Insurance Rates – 6 Tips to Save

No normal person likes paying for car insurance, especially when they could find better rates elsewhere.

Due to the fact that there are so many choices of insurance companies, it can be impossible to locate a lower cost insurer.

Lower-cost auto insurance quotes with discounts

Some insurance providers don’t always advertise every disount available in a way that’s easy to find, so the below list has a few of the more common and also the lesser-known discounts that may be available. If you do not check that you are getting every discount possible, you are paying more than you should be.

• Membership in Organizations – Having an affiliation with a qualifying organization is a good way to get lower rates when shopping for auto insurance.
• New Vehicle Savings – Adding a new car to your policy can cost up to 25% less since newer models are generally safer.
• Multi-Vehicle Discounts – Buying insurance for several vehicles on one policy can get a discount on all vehicles.
• Responsible Driver Discounts – Safe drivers could pay up to 40% less on G-Class insurance than drivers with accidents.
• Paper-free Discount – A few larger online companies will give you a small discount for buying your policy on the web.
• Auto/Home Discount – When you have multiple policies with the same company they may give you a discount of at least 10% off all policies.

Consumers should know that most discounts do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. Just because you may think you can get free auto insurance, insurance companies wouldn’t stay in business. But any discount will help reduce the amount you have to pay.

Car insurance companies who might offer most of the discounts above are:

• State Farm
• American Family
• AAA
• Geico
• Mercury Insurance
• Farmers Insurance
• Progressive

If you need cheaper insurance quotes, ask each company or agent to give you their best rates. All car insurance discounts may not apply to policyholders in your area.

The best way we recommend to compare car insurance rates is to understand auto insurance companies actually pay money for the chance to give you rate quotes. To get started, all you need to do is take a few minutes to give details like if you have an active license, coverage limits, types of safety features, and distance driven. Your details is instantly submitted to multiple companies and they respond with quotes immediately.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether you could use an agent’s help.

• Do I have coverage when pulling a U-Haul trailer?
• Do I need added coverage for expensive stereo equipment?
• Should I drop comprehensive coverage on older vehicles?
• Can I rate high risk drivers on liability-only vehicles?
• Is my dog or cat covered if injured in an accident?
• Am I covered if I hit my neighbor’s mailbox?
• Why do I need rental car insurance?
• Can I still get insurance after a DUI?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Car insurance coverages for a 2004 Mercedes-Benz G-Class

Understanding the coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Coverage for collisions

This covers damage to your G-Class caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, hitting a parking meter and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

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

Comprehensive coverage protects against things such as hail damage, a tree branch falling on your vehicle, rock chips in glass, hitting a deer and a broken windshield. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as funeral costs, EMT expenses, prosthetic devices and doctor visits. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage

This coverage gives you protection when the “other guys” 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.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are set the same as your liablity limits.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on other’s property or people. 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 limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair bills for other people’s vehicles, court costs, loss of income, legal defense fees and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Shop. Compare. Save.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, someone sacrificed full coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

We just presented many ways to compare 2004 Mercedes-Benz G-Class insurance premium rates online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding cheap insurance. Consumers could even find that the biggest savings come from a small local company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

Additional insurance coverage information is located below:

• How do I File a Claim? (Insurance Information Insitute)
• Young Drivers: The High Risk Years Video (iihs.org)
• Teen Driver Licensing Information (iihs.org)
• Auto Insurance FAQ (Farmers Insurance)
• Red Light Cameras (State Farm)
• Auto Theft Statistics (Insurance Information Insitute)