How Much Does 2014 Mercedes-Benz G-Class Insurance Cost?

Want cheaper insurance rates for your Mercedes-Benz G-Class? If you are new to online price comparisons, you can easily be bewildered by the confusing number of insurance providers all promising to save you money.

It is always a good idea to do price comparisons periodically since insurance prices are adjusted regularly by insurance companies. Even if you got the lowest rates on G-Class coverage six months ago there may be better deals available now. You can find a lot of wrong information about insurance on the internet, but you can learn some of the best techniques to lower your insurance premiums.

How much is car insurance?

All major car insurance companies provide prices on the web. Obtaining pricing is pretty painless as you just type in your required coverages on the page. Once entered, the quote system pulls information on your driving record and credit history and returns a price determined by many factors.

This makes it a lot easier to compare rates but the time it takes to visit a lot of sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to perform this step in order to find lower prices.

The better way to compare rates

A better way to find lower prices uses one form that gets price quotes from several companies at one time. This type of form saves time, requires less work, and makes price shopping online a little more enjoyable. As soon as you send your information, your coverage is rated and you are able to buy any one of the returned quotes.

If you find a better price you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and may result in a nice savings.

To fill out one form to compare multiple rates now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you duplicate the coverage information as close as possible to your current policy. This ensures you’re receiving a price comparison for the exact same coverage.

Car insurance discounts help cut rates

Not many people think insurance is cheap, but there are discounts available that can dramatically reduce your bill. Some of these disounts will be visible when you complete an application, but occassionally some discounts must be specifically requested before you get the savings.

  • Student in College – who live away from home to go to college and leave their car at home may be able to be covered for less.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts could see savings of up to 25% or more.
  • Homeowners Savings – Owning a house may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Discount for Life Insurance – Some insurance carriers give a discounted car insurance rate on car insurance if you buy life insurance.
  • Good Students Pay Less – Being a good student may save as much as 25% on a auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
  • Professional Organizations – Participating in specific professional or occupational memberships or organizations is a good way to get lower rates on your bill.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems help deter theft and earn discounts up to 10% off your auto insurance quote.
  • Multi-car Discount – Buying coverage for all your vehicles with the same car insurance company qualifies for this discount.
  • Sign Online – Many companies will give you a small discount for signing up on the web.
  • Save with a New Car – Buying car insurance coverage on a new vehicle can get you a discount because newer vehicles are generally safer.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you could get a free car insurance policy, company stockholders wouldn’t be very happy. But all discounts will cut your overall bill.

A few popular companies and their offered discounts are included below.

  • State Farm discounts include student away at school, defensive driving training, Steer Clear safe driver discount, multiple autos, passive restraint, and multiple policy.
  • GEICO policyholders can earn discounts including multi-vehicle, seat belt use, driver training, anti-lock brakes, federal employee, anti-theft, and five-year accident-free.
  • Progressive has savings for multi-policy, continuous coverage, homeowner, multi-vehicle, online signing, and online quote discount.
  • 21st Century may offer discounts for homeowners, theft prevention, teen driver, driver training, 55 and older, defensive driver, and early bird.
  • American Family offers discounts for air bags, TimeAway discount, good driver, early bird, and mySafetyValet.
  • The Hartford may have discounts that include air bag, good student, vehicle fuel type, anti-theft, driver training, defensive driver, and bundle.
  • AAA includes discounts for pay-in-full, multi-car, anti-theft, good student, and multi-policy.

When comparing rates, check with every insurance company how you can save money. Discounts might not apply in your area. To view insurance companies that offer some of these discounts, click here to view.

Which is the best insurance?

When it comes to buying the best insurance coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • Where can I find high-risk insurance?
  • Where can I get insurance after a DUI in my state?
  • Does my insurance cover my expensive audio equipment?
  • Is my camper covered by my car insurance policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form.

Learn about auto insurance coverages for a Mercedes-Benz G-Class

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like structural damage, funeral expenses, loss of income, legal defense fees and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Comprehensive protection

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, hail damage, fire damage and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz G-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Collision coverage

Collision coverage pays for damage to your G-Class resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, hitting a parking meter, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for immediate expenses for nursing services, ambulance fees, chiropractic care, surgery and hospital visits. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay