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

Want better insurance rates for your Mercedes-Benz G-Class? Having to pay for high-priced Mercedes-Benz G-Class insurance can dry up your savings, especially in this economy. Comparing price quotes can lower your rates and help to lower your monthly bill.

Due to the fact that there are so many different company options, it’s nearly impossible to find a lower cost insurance company.

You should take the time to get comparison quotes every six months due to the fact that insurance rates tend to go up over time. Just because you had the lowest rate on G-Class coverage a couple years back there may be better deals available now. There is lot of inaccurate information about insurance on the web, but by reading this article, you’re going to learn some good information on how to put money back in your pocket.

The cheapest car insurance price quotes

Cutting your car insurance rates is an easy way to save money. All you need to do is invest a few minutes to compare rate quotes from online providers. You can get a good selection of rate quotes using a couple different methods.

The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do separate quotation requests to each individual car insurance company. Completing one form will get you rate comparisons direct from many companies.

A less efficient way to get comparison quotes consists of going to each company website and fill out a new quote form. For example, we’ll assume you want to get rates from Farmers, Progressive and American Family. To find out each rate you need to go to each individual site and punch in your information repeatedly, which can get rather old. For a list of links to insurance companies in your area, click here.

The least efficient and most time consuming way to get price estimates is driving to different agent offices. The ability to buy insurance online eliminates this option unless you’re the type of person who wants the professional guidance that only an agent can give. However, consumers can get the lowest quotes online but have a local agent actually write the policy.

Compare rates however you want, just try to use exactly the same information for each quote you get. If your comparisons have mixed coverages it will be next to impossible to make an equal comparison.

Which policy gives me the best coverage?

When choosing proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining whether your personal situation might need an agent’s assistance.

  • Is my 2014 Mercedes-Benz G-Class covered for smoke damage?
  • Is my teenager covered with friends in the car?
  • When would I need additional glass coverage?
  • Do I need added coverage for expensive stereo equipment?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered if hit by an uninsured driver?
  • What if I total my 2014 Mercedes-Benz G-Class and owe more than it’s worth?
  • How much liability do I need to cover my assets?
  • Does my car insurance cover rental cars?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses like X-ray expenses, pain medications, dental work, surgery and hospital visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, colliding with a tree and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Auto liability – This coverage provides protection from damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, medical expenses, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, hail damage, vandalism and hitting a deer. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2014 Mercedes-Benz G-Class.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.