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2013 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: Dec 14, 2021

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Have you fallen victim to an underperforming, overpriced auto insurance policy? Believe me when I say you’re not alone.

Multiple insurance companies compete for your business, so it’s not easy to compare every insurance company to get the cheapest price

It’s a great practice to compare rates occasionally since rates are variable and change quite frequently. If you had the lowest rates on G-Class insurance on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the only way to properly buy coverages while reducing your premium.

Why your Mercedes-Benz G-Class might be costing you more

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for insurance coverage. Understanding what influences your rates helps enable you to make changes that may reward you with big savings.

Shown below are a partial list of the pieces that factor into rates.

  • Don’t get talked into coverage you don’t need – There are a ton of extra coverages you can purchase on your G-Class policy. Things like personal injury protection, better glass coverage and membership fees may be wasting your money. These may sound like a good investment at first, but your needs may have changed so remove them from your policy.
  • Rates may be higher depending on your occupation – Occupations like real estate brokers, executives and financial analysts tend to pay higher average rates due to stressful work requirements and long work hours. Conversely, occupations such as actors, engineers and the unemployed have the lowest average rates on G-Class insurance.
  • How’s your driving record? – Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even one citation can increase rates twenty percent or more. Drivers who have severe citations such as DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to drive a vehicle legally.
  • Your credit rating is important – Having a bad credit rating is a important factor in calculating your insurance coverage rates. People with good credit tend to be more responsible as compared to drivers with lower ratings. If your credit history can use some improvement, you could be paying less to insure your 2013 Mercedes-Benz G-Class by spending a little time repairing your credit.
  • Frequent insurance coverage claims increase rates – Insurance companies give lower rates to insureds who file claims infrequently. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Best discounts on Mercedes-Benz G-Class coverage

Companies do not list all available discounts in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden auto insurance savings.

  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last well after school through age 25.
  • No Charge for an Accident – A few companies allow you one accident without raising rates if your claims history is clear prior to the accident.
  • Passive Restraint Discount – Factory air bags may earn rate discounts of more than 20%.
  • Claim Free – Drivers who don’t have accidents can earn big discounts compared to accident-prone drivers.
  • Military Rewards – Being deployed with a military unit can result in better rates.

Consumers should know that most discounts do not apply to your bottom line cost. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of providers with the best auto insurance discounts, click this link.

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Tailor your coverage to you

When choosing coverage, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Am I missing any policy discounts?
  • When would I need additional glass coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Should I get collision insurance on every vehicle?
  • Is my dog or cat covered if injured in an accident?
  • Why am I required to get a high-risk car insurance policy?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Insurance coverages and their meanings

Having a good grasp of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for rehabilitation expenses, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Collision insurance

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

Collision coverage protects against claims like colliding with a tree, rolling your car, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability coverages

This can cover damage that occurs to people or other property in an accident. This insurance protects YOU from claims by 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. As an example, you may have liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like structural damage, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive insurance

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, fire damage and damage from a tornado or hurricane. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz G-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Quote often and quote early

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are too many instances where an insured cut liability coverage limits and discovered at claim time that it was a big error on their part. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

Discount 2013 Mercedes-Benz G-Class insurance can be purchased both online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some auto insurance companies don’t offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

To read more, feel free to visit the following helpful articles:

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