Compare 2011 Mercedes-Benz G-Class Insurance Cost in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2024

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Are you drained from not being able to scrape enough together to buy insurance coverage? You are in the same boat as most other vehicle owners. Many insurers compete for your hard-earned dollar, so it’s not easy to compare every insurance company and get the definite cheapest price

If you have a policy now or need new coverage, you can use these tips to cut your premiums while maximizing coverage. Buying car insurance is easy if you know what you’re doing. Consumers just need to learn the proper methods to get comparison quotes online.

Six factors that determine insurance costs

The best way to find cheaper insurance coverage is to take a look at the factors that help determine your premiums. If you know what determines premiums, this allows you to make educated decisions that can help you get lower rates.

  • Save money by raising comp and collision deductibles – Insurance for physical damage, aka comp and collision, is used to repair damage to your Mercedes-Benz. Examples of some claims that would be covered would be a broken side mirror, damage caused by hail, and burglary. The deductibles represent how much money you are willing to pay if you file a covered claim. The more of the claim you are required to pay out-of-pocket, the lower your rates will be for G-Class insurance.
  • Prevent your car from being stolen – Owning a car with an alarm system can get you a discount on your insurance coverage. Theft deterrent systems like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help prevent your car from being stolen.
  • High credit history translates to low prices – A driver’s credit score is a large factor in your rate calculation. If your credit history could use some work, you may save money insuring your 2011 Mercedes-Benz G-Class if you improve your credit rating. Insureds with excellent credit tend to be better drivers and file fewer claims as compared to drivers with lower credit scores.
  • Rates can drop if you have more than one policy – Most larger insurance companies will award lower prices to buyers that purchase more than one policy, otherwise known as a multi-policy discount. Even with this discount applied, you may still want to get quotes from other companies to help guarantee you have the best rates.
  • Premiums are lower the older you get – Inexperienced drivers have been known to be inattentive and easily distracted with other occupants in the car therefore insurance coverage rates are much higher. Having to add a inexperienced driver onto a policy can cause a big jump in price. More experienced drivers tend to be more responsible, are lower risk to insure .
  • Cheaper rates after marriage – Having a significant other can get you a discount on insurance coverage. It generally demonstrates drivers are more responsible and statistics prove married drivers get in fewer accidents.

Cheaper insurance coverage rates with discounts

Insurance coverage is expensive, but you may qualify for discounts that can help lower your rates. Certain reductions will be credited when you quote, but some need to be manually applied before you will receive the discount.

  • Life Insurance Discount – If the company offers life insurance, you could get a discount if you purchase life insurance from them.
  • Passenger Safety Discount – Vehicles with factory air bags or automatic seat belts can qualify for discounts of 20% or more.
  • Anti-lock Brake System – Vehicles with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Multiple Cars – Having multiple vehicles on a single policy can get a discount for every vehicle.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Professional Memberships – Being in specific professional or occupational memberships or organizations can get you a small discount on your next renewal.
  • Discounts for Safe Drivers – Insureds without accidents could pay up to 40% less for G-Class insurance than drivers with accidents.

You should keep in mind that most of the big mark downs will not be given to the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, it’s just not the way it works. Any amount of discount will definitely reduce your policy premium.

Insurance companies that may have these benefits include:

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

Check with all the companies what discounts are available to you. Discounts may not apply to policyholders in your state. To see providers with the best discounts, enter your zip code here.

Save $441 a year. For real?

Consumers constantly see and hear ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the companies have a common claim about savings if you get a free insurance quote and switch your policy.

It sounds good, but how can they all claim to save you money? Here is the trick they use.

Many companies have specific guidelines for the type of driver they prefer to insure. For example, a profitable risk profile may be a married male, has no driving citations, and does not commute to work. A driver that hits that “sweet spot” receives the best rates as well as save money with a new company.

Potential insureds who do not match this stringent profile will probably be forced to pay higher premium rates and ends up with the customer not purchasing. The ads state “customers who switch” not “everyone that quotes” save the amount stated. This is how companies can truthfully claim big savings. That is why you really should get price quotes at each policy renewal. It is impossible to predict the company that will provide you with the cheapest car insurance rates.

Tailor your auto insurance coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions can help discover if your situation might need professional guidance.

  • Do I need more liability coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is pleasure use cheaper than using my 2011 Mercedes-Benz G-Class to commute?
  • Are rental cars covered under my policy?
  • Should I have combined single limit or split liability limits?
  • Is my state a no-fault state?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I need replacement cost coverage on my 2011 Mercedes-Benz G-Class?
  • Is my teen driver covered when they drive my company car?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages and their meanings

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

Coverage for collisions

This will pay to fix damage to your G-Class resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like sideswiping another vehicle, rolling your car, hitting a parking meter, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz G-Class.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for bills such as surgery, pain medications and chiropractic care. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Coverage for liability

Liability insurance can cover damage that occurs to other’s property or people. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, a tree branch falling on your vehicle and vandalism. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

More effort can pay off

Budget-friendly car insurance can be bought from both online companies and from local insurance agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who don’t offer rates over the internet and many times these regional carriers prefer to sell through independent agencies.

We just presented quite a bit of information on how to save on 2011 Mercedes-Benz G-Class insurance. It’s most important to understand that the more quotes you get, the higher your chance of finding cheap insurance. Drivers may discover the lowest priced car insurance comes from a small local company. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as State Farm and Allstate.

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