How Much Does 2013 Mercedes-Benz G-Class Car Insurance Cost in 2024?

Want better insurance rates for your Mercedes-Benz G-Class? Scraping up a payment for high-priced Mercedes-Benz G-Class insurance can drain your personal savings and make it tough to pay other bills. Comparison shopping is a fast and free way to reduce premiums and put more money in your pocket.

There are many auto insurance companies to buy insurance from, and even though it’s nice to have multiple companies, more options can take longer to find the lowest rates.

Verify you’re earning every discount

The price of auto insurance can be rather high, but there’s a good chance there are discounts that could help you make your next renewal payment. Some discounts will apply at quote time, but lesser-known reductions have to be specifically requested before you will receive the discount.

• No Claim Discounts – Insureds with no claims or accidents can save substantially compared to accident-prone drivers.
• Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up can save up to 15% off the personal injury premium cost.
• Auto/Life Discount – If the company offers life insurance, you could get better rates if you take out life insurance.
• Military Discounts – Having a deployed family member may qualify for rate reductions.
• E-sign – Some companies give back up to $50 simply for signing digitally online.
• Drive Less and Save – Fewer annual miles on your Mercedes-Benz may allow you to get better premium rates on cars that stay parked.
• More Vehicles More Savings – Buying a policy with multiple vehicles with one company can reduce rates for all insured vehicles.
• Defensive Driving Course – Taking part in a driver safety course is a good idea and can lower rates if your company offers it.

Just know that most discount credits are not given to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

To see providers that can offer you the previously mentioned discounts, enter your zip code here.

Why you might pay inflated rates

Many different elements are part of the calculation when you get your auto insurance bill. Some factors are common sense such as traffic violations, but some are less apparent such as your credit history or your vehicle rating. The best way to find cheaper car insurance is to take a look at some of the factors that go into determining your premiums. When consumers understand what impacts premium levels, this allows you to make good choices that will entitle you to much lower annual insurance costs.

• Cautious drivers pay the best costs – Your driving record has a lot to do with how much you pay for insurance. Even a single moving violation may increase your cost to the point where it’s not affordable. Attentive drivers get better prices than their less careful counterparts. Drivers who have gotten license-revoking violations like hit and run, DWI or reckless driving convictions may find that they have to to complete a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
• Reserve policy claims for larger damages – Insurance companies give the lowest premiums to insureds who do not file claims often. If you file a lot of claims you can expect much higher rates or policy non-renewal. Auto insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• You may save more by combining policies – Lots of car insurance companies afford discounts to clients who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to check prices from other companies to help guarantee you have the best rates.
• Liability insurance claims can be big – Liability insurance is the protection when you are determined to be liable for personal injury or accident damage. Your liability coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Cars with good safety ratings means lower prices – Safe vehicles tend to be cheaper to insure. Vehicles built for safety help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company which can mean better rates for you.

When should I discuss my situation with an agent?

When buying proper insurance coverage, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

• Does my liability insurance cover pulling a trailer or camper?
• Who is covered by my policy?
• Is a fancy paint job covered?
• Is my 2013 Mercedes-Benz G-Class covered for flood damage?
• Is business equipment covered while in my vehicle?
• Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, you may need to chat with an insurance agent. To find an agent in your area, simply complete your zip code.

Ads can be misleading

State Farm and Allstate continually stream ads on television and other media. All the ads seem to make the promise that people will save if you move to their company. How can each company sell you cheaper insurance coverage? Here is how they do it.

Many companies give the best rates for a prospective insured that will generate a profit. For example, a preferred risk might have to be married and over the age of 30, has no prior claims, and drives a car with an anti-theft system. Anybody who fits that profile will probably get the lowest rates and therefore will save some money.

Potential insureds who cannot meet these criteria will be charged higher premium rates and this results in the customer not buying. If you listen to the ad wording, they say “customers that switch” but not “all drivers who get quotes” save money. That’s the way insurance companies can confidently make it sound like they have such great premium rates. Different companies use different criteria so drivers should do a quote comparison often. Because you cannot predict the company that will give you the biggest savings.

Insurance coverages 101

Learning about specific coverages of your insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages available from insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like chiropractic care, EMT expenses, prosthetic devices, nursing services and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Collision – Collision coverage pays for damage to your G-Class resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with a tree, rolling your car, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about 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 coverage – Liability coverage protects you from damage that occurs to other people or property. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property.

Liability can pay for claims like bail bonds, pain and suffering, structural damage and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, theft and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Buy Smart and Save

In this article, we covered some good ideas how you can get a better price on 2013 Mercedes-Benz G-Class insurance. The key concept to understand is the more quotes you get, the higher your chance of finding affordable insurance. You may be surprised to find that the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and GEICO.

The cheapest 2013 Mercedes-Benz G-Class insurance can be sourced from both online companies and from local agencies, so get free insurance quotes from both of them in order to have the best chance of saving money. Some car insurance companies may not have rates over the internet and many times these smaller companies work with independent agencies.

When getting insurance quotes online, never reduce needed coverages to save money. There have been many cases where an insured dropped full coverage only to regret that they should have had better coverage. Your focus should be to purchase plenty of coverage at the best price while not skimping on critical coverages.