2014 Mercedes-Benz G-Class Insurance Cost – 8 Savings Tips

Want the cheapest insurance coverage rates for your Mercedes-Benz G-Class? Have you finally had enough of sacrificing other expenses to pay high insurance coverage rates every month? You are in the same boat as many other drivers.

Having so many choices of insurance companies, it can be diffult for drivers to choose the best insurance coverage provider.

Choosing the best insurance company for you is quite easy. Essentially every driver who is required by state law to have insurance coverage most likely will be able to lower their premiums. Although vehicle owners can benefit by having an understanding of how big insurance companies sell online and apply this information to your search.

Where can I get affordable insurance?

Shopping for lower insurance rates can be challenging if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) talking to agents in your area, or you could save time and use the internet to get rates in a matter of minutes.

Most car insurance companies participate in a marketplace that allows shoppers to submit their information once, and each participating company provides a quote based on the submitted data. This saves time by eliminating quotation requests to every company.

To find out how much you’re overpaying now click to open in new window.

The one disadvantage to getting quotes like this is you don’t know exactly which insurance companies you want to price. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but make sure you are using nearly identical coverage limits and deductibles with each company. If the quotes have different coverage information you can’t possibly make a fair comparison for your Mercedes-Benz G-Class. Even a minor difference in coverages may cause a big price difference. And when comparing insurance rates, know that more quotes helps you find more affordable insurance. Not every company does online quotes, so you should also compare rates from them as well.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance should reflect that For example, these questions might point out if your situation would benefit from an agent’s advice.

• How high should my medical payments coverage be?
• Is my Mercedes-Benz G-Class covered if I use it for business?
• Can I afford to pay high deductible claims out of pocket?
• How much liability do I need to cover my assets?
• Does my policy cover me when driving someone else’s vehicle?
• How much liability insurance is required?
• Can I drive in Mexico and have coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage considerations

Knowing the specifics of car insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Shown next are typical coverage types offered by car insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2014 Mercedes-Benz G-Class.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like theft, falling objects, fire damage, vandalism and hail damage. The highest 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.

Liability insurance

This provides protection from damage that occurs to people or other property that is your fault. 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 translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and bail bonds. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a ditch, hitting a mailbox, scraping a guard rail and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as chiropractic care, prosthetic devices, pain medications, surgery and rehabilitation expenses. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay