Save on 2014 Mercedes-Benz GL-Class Insurance Cost in 2024

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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 3, 2024

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Want lower auto insurance rates for your Mercedes-Benz GL-Class? Wish you could get a refund on an underperforming, overpriced auto insurance policy? Trust us, there are lots of residents who feel the same.

Popular companies such as State Farm and GEICO promote their brand names with TV and radio ads and it is difficult to avoid their marketing magic and find the best price available.

Mercedes-Benz GL-Class insurance premium factors

When buying insurance it’s important to understand the rating factors that help determine your policy premiums. When consumers understand what determines premiums, this empowers consumers to make smart changes that can earn you much lower annual insurance costs.

  • Annual miles is a factor – The more miles you rack up on your Mercedes-Benz in a year’s time the more you will pay for insurance. Many insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can get a lower rate than vehicles that are driven to work every day. Make sure your policy is showing the correct driver usage. Having the wrong rating on your GL-Class may be costing you.
  • Get a ticket, pay higher premiums – Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Only having one citation can increase rates substantially. Drivers who have multiple citations such as reckless driving, hit and run or driving under the influence are required to file a SR-22 with their state’s department of motor vehicles in order to keep their license.
  • Vehicle options can affect rates – Owning a car with an alarm system can help lower your premiums. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent auto theft and help lower rates.
  • Improve your credit score and save – An insured’s credit history factor in determining premium rates. Drivers with excellent credit tend to be better risks to insure than drivers who have poor credit scores. So if your credit history can use some improvement, you could pay less to insure your 2014 Mercedes-Benz GL-Class by improving your rating.
  • Your occupation and insurance rates – Did you know your occupation can influence how much you pay for insurance? Careers like military generals, social workers and dentists tend to pay higher average rates due to intense work-related stress and lengthy work days. Other occupations such as farmers, historians and retirees pay lower than average rates for GL-Class coverage.

The cheapest insurance coverage quotes online

Effectively comparing insurance coverage prices can be exhausting if you aren’t aware of the most efficient way. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use online quotes to get pricing more quickly.

Many of the larger companies participate in a marketplace that allows shoppers to only type in their quote data once, and at least one company then returns a price quote. This eliminates the need for quote forms for each company you want a rate for.

To compare pricing enter your zip code here.

The one downside to comparing rates this way is you cannot specify which carriers you will receive quotes from. So if you prefer to pick specific insurance companies to compare, we have a page of companies who write insurance coverage in your area. Click to enter zip code for insurance companies.

Which method you use is up to you, but ensure you are comparing the exact same coverage limits and deductibles with each company. If you have unequal deductibles or liability limits you will not be able to determine the lowest rate for your Mercedes-Benz GL-Class. Just slight variations in limits can make a big difference in price. And when price shopping your coverage, having more price comparisons helps increase your odds of locating more affordable rates. Not every company does prices over the internet, so you should also compare price estimates from them, too.

Find discounts to get cheap car insurance rates

Properly insuring your vehicles can get expensive, but there could be available discounts that can dramatically reduce your bill. Certain credits will be shown at quote time, but a few must be inquired about before they will apply.

  • Driving Data Discount – Policyholders that allow companies to analyze where and when they drive by using a telematic data system such as State Farm’s In-Drive might get better premium rates as long as the data is positive.
  • Student Discounts – Performing well in school may save you up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • Service Members Pay Less – Having a family member in the military could qualify you for better prices.
  • Payment Method – If you can afford to pay the entire bill instead of paying each month you can actually save on your bill.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
  • Drive Less and Save – Keeping the miles down on your Mercedes-Benz can earn slightly better prices than normal.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.

Discounts lower rates, but most of the big mark downs will not be given to the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will bring down your premiums.

To see insurance companies that offer the discounts shown above, enter your zip code here.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. Here are some questions about coverages that could help you determine if your situation would benefit from professional advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Do I have coverage if my license is suspended?
  • Should I have combined single limit or split liability limits?
  • When can I cancel my policy?
  • How much underlying liability do I need for an umbrella policy?
  • Why do I need rental car insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out your zip code.

Insurance policy specifics

Understanding the coverages of a insurance policy can help you determine appropriate coverage for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are typical coverages available from insurance companies.

Coverage for liability – This coverage provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things like attorney fees, court costs, structural damage, medical services and funeral expenses. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your GL-Class from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, fire damage, hail damage and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses like prosthetic devices, surgery, hospital visits and doctor visits. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Shop. Compare. Save.

Some insurance providers do not offer online price quotes and many times these regional insurance providers only sell through local independent agencies. Budget-conscious 2014 Mercedes-Benz GL-Class insurance is available on the web and from local agencies, so you need to compare both in order to have the best price selection to choose from.

When getting car insurance quotes online, it’s not a good idea to reduce coverage to reduce premium. There are a lot of situations where an insured dropped uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. Your objective should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.

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