2014 Mercedes-Benz G-Class Insurance Rates
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UPDATED: Apr 2, 2020
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Expensive insurance coverage can overdraw your bank account and put a big crunch on your finances. Comparison shopping is a great way to slash your bill and have more diposable income. Having so many companies and agents to choose from, it can be impossible to find the best insurer.
It’s important to shop coverage around on a regular basis because prices go up and down regularly. Despite the fact that you may have had the best deal on G-Class coverage six months ago you can probably find a lower rate today. Forget all the misinformation about insurance coverage because you’re about to find out the proper way to find the best coverage while lowering your premiums.
Locating the best insurance coverage is easy if you know what you’re doing. If you have a current insurance coverage policy or need a new policy, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Drivers only need an understanding of the most effective way to shop their coverage around on the web.
Compare Car Insurance Costs
Finding cheaper 2014 Mercedes-Benz G-Class car insurance prices is surprisingly easy. You just have to take a few minutes to get quotes online with multiple companies. This can be done using a couple different methods.
Probably the best way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This easy form keeps you from doing separate quote forms to each individual car insurance company. Just one form gets rate comparisons direct from many companies.
A more time consuming way to analyze rates requires a trip to the website for each individual company to complete a price quote. For example, let’s assume you want to compare GEICO, Progressive and Allstate. You would have to go to every website and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.
The most time-consuming way of getting rate comparisons is driving to different agent offices. Buying insurance online can eliminate the need for a local agent unless you have a need for the personal advice of a local agent. Drivers can comparison shop online and still use a local agent.
Whichever way you use, compare apples-to-apples coverages and limits for every company. If you enter differing limits it’s not possible to make an equal comparison.
Pay less for 2014 Mercedes-Benz G-Class insurance
The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Most are applied when you get a quote, but some may not be applied and must be requested specifically in order for you to get them. If you don’t get every credit possible, you are throwing money away.
- Auto/Home Discount – If you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
- Good Student – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
- College Student – Children who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
- No Accidents – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
- Braking Control Discount – Vehicles equipped with ABS or steering control are safer to drive and will save you 10% or more.
Consumers should know that most discounts do not apply to the entire cost. Most only reduce individual premiums such as collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way. Any amount of discount will cut the amount you have to pay.
Insurance companies that possibly offer some of the above discounts are:
Before buying, ask each company which discounts you may be entitled to. Savings may not apply in your area.
These factors can influence Mercedes-Benz G-Class insurance rates
An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively influences your rates helps enable you to make changes that will entitle you to lower auto insurance prices.
- Keep rates low by being claim-free – If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance companies generally give lower rates to people who do not file claims often. Your insurance policy is intended for the large, substantial claims.
- Do you have a high stress job? – Jobs such as doctors, business owners and stock brokers tend to pay the highest rates attributed to job stress and long work days. On the other hand, occupations like farmers, students and retirees have the lowest average rates on G-Class coverage.
- Bad driving skills means higher rates – Whether or not you get tickets has a big impact on rates. Good drivers have lower premiums than people who have multiple driving citations. Just one ticket can increase rates forty percent or more. Drivers with severe tickets such as DWI, reckless driving or hit and run convictions are required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
- Do you know your deductibles? – Your deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some instances where coverage would apply are colliding with a building, damage from fire, and windstorm damage. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be on G-Class coverage.
- Protect yourself with liability coverage – Liability coverage will protect you when a court rules you are at fault for personal injury or accident damage. Liability provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so do not cut corners here.
- Where you reside plays a part – Choosing to live in a small town has it’s advantages when buying auto insurance. Drivers who live in large cities tend to have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and also fewer theft and vandalism claims.
- Battle of the sexes – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get cited for more serious violations such as DWI and reckless driving.
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Tailor your coverage to you
When it comes to choosing the right insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether your personal situation may require specific advice.
- If my pet gets injured in an accident are they covered?
- What is the difference between comprehensive and collision coverage?
- Are split liability limits better than a combined single limit?
- If my 2014 Mercedes-Benz G-Class is totaled, can I afford another vehicle?
- Do I need motorclub coverage?
- Should I bundle my homeowners policy with my auto?
- Do I have coverage when using my vehicle for my home business?
- Why am I required to get a high-risk car insurance policy?
- Does my policy cover me when driving someone else’s vehicle?
- Is my babysitter covered when using my vehicle?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.
Car insurance myths debunked
Consumers constantly see and hear ads that promise big savings by 21st Century, Allstate and State Farm. They all have a common claim that you’ll save big if you move to their company.
How can each company make almost identical claims? It’s all in the numbers.
Insurance companies can use profiling for the type of driver that earns them a profit. An example of a preferred risk could be over the age of 50, has no prior claims, and chooses high deductibles. A propective insured that hits that “sweet spot” will get the preferred rates and therefore will save a lot of money.
Potential insureds who are not a match for this ideal profile will be quoted higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can claim big savings.
This emphasizes why drivers must get quotes from several different companies. Because you never know the company that will fit your personal profile best.
Car insurance coverage information
Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverages found on most auto insurance policies.
This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like damage from a tornado or hurricane, damage from getting keyed, damage from flooding, falling objects and hitting a bird. The maximum amount your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Uninsured/Underinsured Motorist (UM/UIM)
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as scraping a guard rail, hitting a parking meter, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.
Liability coverage protects you from damage or injury you incur to other people or property in an accident. It protects you from claims by other people, and doesn’t 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. As an example, you may have policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.
Liability can pay for claims like repair costs for stationary objects, medical expenses, court costs, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance provide coverage for bills like doctor visits, chiropractic care, X-ray expenses, nursing services and funeral costs. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay
The cheapest 2014 Mercedes-Benz G-Class insurance is possible on the web in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection. A few companies do not provide online price quotes and many times these smaller companies only sell through independent insurance agents.
We’ve covered a lot of information how to compare insurance prices online. It’s most important to understand that the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.
For more information, feel free to browse the following helpful articles:
- Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
- Alcohol Impaired Driving FAQ (iihs.org)
- Your Car has been Stolen: Now What? (Allstate)
- How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
- Safety Features for Your New Car (State Farm)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
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