Cheap 2016 Mercedes-Benz G-Class Insurance Rates in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Are you drained from scraping the payment together to pay your car insurance bill each month? You have the same problem as millions of other consumers. Many auto insurance companies vie for your hard-earned dollar, so it can be very hard to choose a insurance company and uncover the absolute lowest price

It’s a good habit to check car insurance prices as often as possible due to the fact that insurance rates are rarely the same from one policy term to another. Just because you found the lowest premium rates on G-Class coverage six months ago other companies may now be cheaper. Ignore everything you know about car insurance because it’s time to teach you the fastest way to save money, get proper coverage and the best rates.

If you have a policy now or need a new policy, you can learn to reduce the price you pay while maintaining coverages. Buying car insurance is not that difficult. Vehicle owners just need to know the proper methods to find the lowest price on the web.

First Step: Get free car insurance quotes

There are several ways to compare car insurance quotes, but some are easier and takes less work. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can utilize the internet to accomplish the same thing much quicker.

The majority of car insurance companies participate in an industry program where prospective buyers enter their policy data once, and each company can provide price quotes for coverage. This saves time by eliminating quote requests to every company.

To submit your quote information now, enter your zip code here.

The one disadvantage to pricing coverage this way is that you can’t choose the providers you want to price. So if you prefer to choose individual companies to receive pricing from, we have a page of companies who write car insurance in your area. Click to enter zip code for insurance companies.

Which method you use is up to you, but make darn sure you compare the same quote data with every price quote. If you compare higher or lower deductibles it’s not possible to find the best deal for your Mercedes-Benz G-Class.

Use discounts to get cheaper auto insurance quotes

Car insurance companies don’t list every possible discount very well, so we researched both the well known and also the lesser-known credits available to you.

  • Service Members Pay Less – Being deployed in the military could trigger a small discount.
  • New Car Discount – Insuring a new car may earn a small discount since newer models have better safety ratings.
  • Theft Prevention Discount – Anti-theft and alarm system equipped vehicles are less likely to be stolen so companies will give you a small discount.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may have a lower total premium amount.
  • Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount well after school through age 25.

Drivers should understand that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like comprehensive or collision. Even though it appears you can get free auto insurance, auto insurance companies aren’t that generous.

To find companies with discount rates, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if you might need an agent’s assistance.

  • Is extra glass coverage worth it?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need replacement cost coverage?
  • How can I get my company to pay me more for my totalled car?
  • Does insurance cover tools stolen from my truck?
  • Does my liability insurance cover pulling a trailer or camper?
  • Are my friends covered when driving my car?
  • Is rental equipment covered for theft or damage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and enter your zip code. It only takes a few minutes and can help protect your family.

Smart consumers save every year

Many things are used in the calculation when quoting car insurance. Some are obvious such as traffic violations, but others are more obscure like your continuous coverage and annual miles driven.

The list below includes just a few of the factors insurance coverage companies consider when setting your prices.

  • Bundle home and auto and save – Many insurers will give better rates to clients who consolidate policies with them such as combining an auto and homeowners policy. If you currently are using one company, you still need to comparison shop to help ensure you have the lowest rates. You may still find a better deal by insuring with multiple companies.
  • More people means more accidents – Having an address in small towns and rural areas is a good thing when it comes to insurance coverage. Fewer drivers on the road corresponds to lower accident rates in addition to fewer liability claims. People in densly populated areas regularly have more road rage incidents and much longer commute distances. The longer drive time means more chances of being involved in an auto accident.
  • Bad credit hurts insurance costs – An insured’s credit rating is likely to be a major factor in determining premium rates. Drivers with good credit tend to be better risks to insure than those with lower ratings. If your credit rating leaves room for improvement, you could save money insuring your 2016 Mercedes-Benz G-Class if you clean up your credit.
  • Frequent insurance claims increase rates – If you tend to file frequent claims, you should expect higher premiums or even policy non-renewal. Auto insurance companies provide lower rates to people who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
  • Cautious drivers pay better premiums – Drivers who don’t get tickets receive lower rates compared to bad drivers. Having just one driving citation can boost insurance rates forty percent or more. People who have license-revoking violations like DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state’s licensing department in order to keep their license.
  • Insurance coverage rates and employer – Careers such as doctors, business owners and dentists have higher premium rates due to high stress and lots of time spent at work. Other occupations such as farmers, historians and performers receive lower rates on G-Class coverage.
  • Keep the miles off and save – Driving more miles each year the more you’ll pay to insure your vehicle. Almost all companies apply a rate based upon how much you drive. Autos that have low annual miles cost less to insure than those used for commuting. Verify your declarations sheet is showing the proper vehicle usage. An improperly rated G-Class is throwing money out the window.
  • Five star safety rating saves money – Vehicles with good safety scores cost less to insure. Safer cars have better occupant injury protection and any reduction in injury severity translates into savings for insurance companies and thus lower rates. If the Mercedes-Benz G-Class has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may cost less to insure.

Insurance coverage basics

Learning about specific coverages of your insurance policy can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from insurance companies.

Auto collision coverage

This pays to fix your vehicle from damage 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 coverage pays for things like rolling your car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants 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. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as rehabilitation expenses, doctor visits and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover you and your occupants as well as being hit by a car walking across the street. PIP is only offered in select states and may carry a deductible

Liability insurance

Liability coverage can cover damage that occurs to people or other property. It protects you from claims by other people. Liability doesn’t cover 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 might see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property.

Liability coverage pays for claims such as loss of income, bail bonds and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, a tree branch falling on your vehicle and falling objects. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

More choices the merrier

When searching for cheap auto insurance quotes, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where an accident victim reduced uninsured motorist or liability limits and found out when filing a claim that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest cost and still be able to protect your assets.

Affordable 2016 Mercedes-Benz G-Class insurance is definitely available on the web and with local insurance agents, and you should compare rates from both to have the best rate selection. Some insurance providers may not offer online quoting and usually these regional insurance providers prefer to sell through independent insurance agents.

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