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2006 Mercedes-Benz G-Class Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 2, 2020

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Finding the lowest cost insurance on the web may be intimidating for people who are new to buying insurance online. When there are so many online companies available, how can anyone effectively compare them all to find the lowest rates?

Finding affordable coverage is quite easy. Basically, every vehicle owner who is required by state law to have insurance should be able to cut their insurance bill. But vehicle owners do need to know the way companies market on the web and use this information to your advantage.

Save on 2006 Mercedes-Benz G-Class insurance

Car insurance companies don’t list all their discounts in an easy-to-find place, so the following is a list of some of the best known and the more hidden savings tricks you should be using.

  • Discount for Life Insurance – Companies who offer life insurance give a break if you buy life insurance from them.
  • Lower Rates for Military – Being on active duty in the military could be rewarded with lower premiums.
  • Accident Waiver – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Safe Drivers – Insureds without accidents can pay as much as 50% less for G-Class insurance than less cautious drivers.
  • Resident Student – Any of your kids who are attending college without a vehicle on campus may qualify for this discount.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, insurance coverage companies aren’t that generous.

Insurance companies that may offer these discounts include:

Before buying, ask every prospective company what discounts are available to you. Savings may not be available in your state.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight whether your personal situation may require specific advice.

  • What are the financial responsibility laws in my state?
  • Is my 2006 Mercedes-Benz G-Class covered for flood damage?
  • Where can I get insurance after a DUI in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my babysitter covered when using my vehicle?
  • Can I make deliveries for my home business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I insured when driving a different vehicle?
  • Should I buy additional glass protection?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

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Specific coverage details

Having a good grasp of your insurance policy aids in choosing the best coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring.

Auto liability insurance – This will cover injuries or damage you cause to people or other property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as emergency aid, repair costs for stationary objects, bail bonds, structural damage and pain and suffering. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz G-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, theft, hitting a deer, a broken windshield and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for bills such as ambulance fees, pain medications, chiropractic care, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverageCollision insurance pays for damage to your G-Class from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a building, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Shop around and save

As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. In many instances, drivers have reduced uninsured motorist or liability limits to discover at claim time that it was a big mistake. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

Cheaper 2006 Mercedes-Benz G-Class insurance can be found on the web and also from your neighborhood agents, and you need to comparison shop both to have the best selection. There are still a few companies who may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

Consumers leave their current company for a number of reasons such as high rates after DUI convictions, denial of a claim, not issuing a premium refund or being labeled a high risk driver. Regardless of your reason, finding a great new company is less work than it seems.

More tips and info about insurance coverage is located in these articles:

Use our FREE quote tool to compare rates now!

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