2014 Mercedes-Benz G-Class Car Insurance Quotes in 2024

Looking for lower auto insurance rates for your Mercedes-Benz G-Class? Finding low-cost insurance for a Mercedes-Benz G-Class could be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are more efficient ways to find auto insurance online and we’ll show you the best way to compare rates for your Mercedes-Benz and obtain the lowest price from both online companies and local agents.

Consumers need to do price comparisons before your next renewal because auto insurance prices change quite often. Just because you had the lowest rates for G-Class insurance last year you can probably find a better rate quote now. Block out anything you think you know about auto insurance because I’m going to teach you one of the quickest ways to remove unneeded coverages and save money.

How your G-Class insurance prices are determined

Lots of things are considered when you quote your car insurance policy. Some factors are common sense such as traffic violations, although some other factors are not as apparent such as whether you are married or your commute time.

The factors shown below are some of the factors used by insurance companies to determine your rates.

• Liability coverage limits on your policy – Liability coverage kicks in if you are determined to be liable for damages from an accident. Liability insurance provides you with a defense in court to defend your case. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
• Pay more by driving carelessly – How you drive impacts premiums far more than you think. Even one speeding ticket or other violation could increase your next policy renewal by as much as twenty percent. Good drivers pay lower auto insurance prices than people who have multiple driving citations. Drivers who have careless tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state’s licensing department in order to legally drive.
• Alarms and GPS tracking lowers insurance coverage rates – Driving a car with a theft deterrent system can save you a little every year. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart vehicle theft.
• Too many insurance claims drive up insurance coverage rates – If you file claims often, you can definitely plan on higher rates. Car insurance companies provide cheaper rates to insureds who do not file claims often. Your insurance policy is designed for claims that you cannot pay yourself.
• Cars with good safety ratings mean better prices – Safer cars tend to be cheaper to insure. Vehicles engineered for safety have better occupant injury protection and any reduction in injury severity means less claims paid which can result in lower premiums.
• Where you live – Living in less populated areas of the country can save you money when shopping for auto insurance. People in densly populated areas have to deal with congested traffic and more time behind the wheel. Fewer people means a lower chance of having an accident.
• Never let your insurance coverage policy expire – Having a lapse in insurance coverage is a fast way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage can result in a license revocation or jail time.
• Miles driven impacts rates – The more you drive your Mercedes-Benz annually the more it will cost to insure it. Most insurance companies rate vehicles based on their usage. Cars and trucks not used for work or commuting receive better premium rates than vehicles that are driven to work every day. A policy that improperly rates your G-Class may be costing you higher rates. Double check that your insurance coverage policy properly reflects the correct driver usage.

Compare auto insurance rates

Effectively comparing auto insurance prices can take time and effort if you don’t understand the fastest way to get free quotes. You can spend your afternoon talking to insurance agencies in your area, or you can stay home and use the internet to quickly compare rates.

Many insurance companies belong to a marketplace where prospective buyers submit one quote, and at least one company then gives them pricing determined by their information. This eliminates the need for quotation requests to each individual auto insurance company.

To find out how much you’re overpaying now enter your zip code here.

The one disadvantage to using this type of system is buyers cannot specifically choose which insurance companies to get pricing from. If you would rather choose from a list of companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but compare exactly the same quote information with every price quote. If the quotes have higher or lower deductibles you will not be able to determine which rate is truly the best.

Do drivers who switch really save $427 a year?

Consumers can’t get away from ads for the lowest price car insurance from the likes of Progressive, Allstate and GEICO. They all seem to make the promise that drivers can save some big amount if you move your coverage to them.

How do they all charge less that you’re paying now? This is the way they can do it.

Most companies look for specific characteristics for the type of driver that will add to their bottom line. For instance, a preferred risk could be a married female, has a clean driving record, and has excellent credit. Anybody that meets those criteria will get low prices and most likely will save money with a new company.

Insureds who fall outside the ideal profile will see more expensive rates with the end result being the driver buying from a lower-cost company. The ads say “people who switch” but not “everyone who gets a quote” save money. That is how insurance companies can confidently claim big savings. This really emphasizes why you absolutely need to get price quotes at each policy renewal. It is just not possible to predict which insurance companies will fit you best based on your risk profile.

Discounts for affordable auto insurance rates

Car insurance companies don’t necessarily list all available discounts in a way that’s easy to find, so the following is a list of both well-publicized as well as some of the hidden discounts that you can inquire about if you buy auto insurance online.

• Pay Upfront and Save – By paying your policy upfront as opposed to paying monthly you can avoid the installment charge.
• Membership in Organizations – Having an affiliation with certain professional organizations could trigger savings on auto insurance.
• Driver Safety – Participating in a course teaching defensive driver skills can save you 5% or more if your company offers it.
• New Vehicle Savings – Buying a new car instead of a used car can save up to 30% because newer vehicles have to meet stringent safety requirements.
• Telematics Devices – Insureds that choose to allow their company to scrutinize driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks if they exhibit good driving behavior.
• Bundled Policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you could get a discount of approximately 10% to 15%.
• Paperwork-free – Certain auto insurance companies will give a small break just for signing your application over the internet.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you could get a free auto insurance policy, companies don’t profit that way.

The best auto insurance companies and some of the discounts are shown below.

• Farm Bureau policyholders can earn discounts including driver training, good student, multi-vehicle, 55 and retired, youthful driver, multi-policy, and renewal discount.
• State Farm may offer discounts for driver’s education, Drive Safe & Save, defensive driving training, multiple autos, Steer Clear safe driver discount, and student away at school.
• Progressive offers premium reductions for homeowner, multi-policy, good student, multi-vehicle, continuous coverage, and online signing.
• Allstate may have discounts that include premier plus, FullPay discount, resident student, utility vehicle, and auto/life discount.
• Nationwide offers discounts including good student, multi-policy, accident-free, Farm Bureau membership, business or organization, and family plan.
• MetLife may include discounts for claim-free, good driver, accident-free, defensive driver, and good student.

When getting a coverage quote, ask each company or agent to give you their best rates. Some of the discounts discussed earlier might not apply in your area. If you would like to see a list of insurers that have a full spectrum of discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When it comes to choosing proper insurance coverage, there is no cookie cutter policy. Every situation is different.

For instance, these questions may help you determine if you might need an agent’s assistance.

• Do I have any recourse if my insurance company denies a claim?
• Should I buy full coverage?
• What should my uninsured motorist coverage limits be in my state?
• Does my policy cover me when driving someone else’s vehicle?
• Should I buy only the required minimum liability coverage?
• Is a fancy paint job covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out your zip code. It’s fast, free and you can get the answers you need.

Car insurance coverage considerations

Having a good grasp of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as ambulance fees, hospital visits and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive car insurance

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as falling objects, theft, hail damage, hitting a deer and a broken windshield. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverage

This coverage protects you from damage that occurs to people or other property. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like court costs, attorney fees and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision protection

This will pay to fix damage to your G-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Buy Smart and Save

As you quote auto insurance, do not buy poor coverage just to save money. In many cases, an insured cut physical damage coverage only to find out that they should have had better coverage. Your goal is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.

Discount 2014 Mercedes-Benz G-Class insurance can be found both online and with local insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies may not provide rates over the internet and these smaller companies provide coverage only through independent agents.

Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, poor customer service, high rates after DUI convictions or even being labeled a high risk driver. No matter why you want to switch, switching companies is actually quite simple.