Cheaper 2015 Mercedes-Benz G-Class Insurance Rates in 2024

Finding low-cost insurance for a Mercedes-Benz G-Class can be difficult, but you can learn the following methods to save time.

There are more efficient ways to shop for car insurance and we’ll show you the quickest way to compare rates on a Mercedes-Benz and get the lowest possible price from both online companies and local agents.

Do you qualify for discount auto insurance?

Some companies don’t always list every available discount very well, so the list below details both well-publicized in addition to some of the lesser obvious credits available to you.

• Employee of Federal Government – Federal government employees may reduce rates when you quote insurance coverage for G-Class coverage depending on your company.
• Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz may enable drivers to earn lower premium rates due to less chance of an accident.
• Distant Student – College-age children who are attending college and leave their car at home can receive lower rates.
• Theft Prevention Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and will qualify for a discount on a insurance coverage quote.
• Responsible Drivers – Accident-free drivers can save up to 40% or more on their insurance coverage quote for G-Class coverage compared to rates paid by drivers with frequent claims.
• Senior Citizen Discount – Drivers that qualify as senior citizens may receive a slight reduction on a insurance coverage quote for G-Class coverage.
• E-sign Discounts – A few larger companies will give a small break simply for signing digitally online.
• Telematics Discount – Drivers that enable data collection to monitor driving patterns by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they are good drivers.
• Military Discounts – Having a family member in the military could qualify you for better rates.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Some only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you can get free auto insurance, that’s just not realistic. But all discounts will help lower your policy cost.

A few popular companies and some of the premium reductions they offer are shown below.

• GEICO may offer discounts for good student, five-year accident-free, air bags, emergency military deployment, and defensive driver.
• MetLife offers premium reductions for accident-free, good driver, multi-policy, good student, claim-free, and defensive driver.
• Progressive offers discounts including good student, continuous coverage, online signing, multi-vehicle, and multi-policy.
• Travelers policyholders can earn discounts including payment discounts, early quote, new car, good student, continuous insurance, and multi-policy.
• SAFECO offers discounts for anti-lock brakes, teen safe driver, accident prevention training, homeowner, anti-theft, teen safety rewards, and safe driver.
• AAA has discounts for good student, multi-policy, multi-car, AAA membership discount, education and occupation, good driver, and anti-theft.

Before you buy a policy, ask each company what discounts are available to you. Depending on the company, some discounts might not be available to policyholders in every state. If you would like to see a list of providers that offer discounts, enter your zip code here.

What insurance coverages do I need?

When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s needs are different.

For instance, these questions might point out whether or not you will benefit from professional help.

• Can my teen drive my company car?
• Are my friends covered when driving my 2015 Mercedes-Benz G-Class?
• Who is covered by my policy?
• What is high-risk coverage and where do I buy it?
• How can I get my company to pay me more for my totalled car?
• Do I pay less for low miles?
• Is my teenager covered with friends in the car?
• Is business property covered if stolen from my car?
• How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, simply complete your zip code. It’s fast, free and can help protect your family.

Parts of your insurance policy

Knowing the specifics of a insurance policy aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from flooding, damage from a tornado or hurricane and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 2015 Mercedes-Benz G-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills such as nursing services, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision coverage protection

This pays for damage to your G-Class caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb, crashing into a ditch and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Liability car insurance

This provides protection from injuries or damage you cause to people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like funeral expenses, repair bills for other people’s vehicles, medical services and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

More choices the merrier

As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. Too many times, an accident victim reduced full coverage and found out when filing a claim that it was a big error on their part. The aim is to purchase plenty of coverage at an affordable rate and still be able to protect your assets.

Consumers who switch companies do it for many reasons like high prices, being labeled a high risk driver, delays in responding to claim requests and even high rates after DUI convictions. Regardless of your reason, finding a new company is easier than you think.

There are still a few companies who may not offer rates over the internet and many times these small insurance companies provide coverage only through local independent agencies. The cheapest 2015 Mercedes-Benz G-Class insurance is definitely available online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money.