View 2016 Mercedes-Benz GL-Class Car Insurance Rates

If online insurance comparisons are new to you, by this point your are probably confused by the crazy number of local and online companies all claiming to save you money.

It’s a great practice to do price comparisons periodically because insurance rates are constantly changing. Just because you had the best deal on GL-Class insurance last year there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to find out how to quote online to reduce your cost while improving coverage.

First Step: Get free insurance quotes

When looking for low cost car insurance quotes, there are a couple ways of comparing rate quotes from many insurance companies in your state. One of the best ways to do a complete rate comparison is to jump online and get quotes. It’s really quite simple and can be done in a couple of different ways.

  1. One of the fastest ways to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for separate quotation requests for every prospective company. Filling out one form gets coverage cost estimates direct from many companies.It’s the quickest way to get rates.
  2. A slightly less efficient method to analyze rates is to manually visit each company’s website to request a price quote. For sake of this example, let’s say you want to get rates from State Farm, Esurance and GEICO. In order to get each rate, you would have to go to every website and enter your information, and that explains why we recommend the first method.

    For a list of links to insurance companies in your area, click here.

  3. The last way to get comparison rates is to spend time driving to different agent offices. The ability to buy insurance online reduces the need to sit down with an agent unless you require the peace of mind of a local agency. However, consumers can obtain prices from the web but still have the advice of a local agent.

It’s your choice how you get your quotes, but double check that you are using equivalent deductibles and coverage limits for every quote you compare. If you are comparing different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison. Quoting even small variations in coverages can mean a large discrepancy in price. And when comparing insurance rates, know that comparing more quotes increases the change that you will find a lower rate than you’re paying now. Some companies don’t provide prices over the internet, so it’s recommended that you also compare price estimates from those companies as well.

Cheap car insurance rates with discounts

Insuring your vehicles can cost a lot, but there could be significant discounts that you may not know about. Many discounts should be triggered when you purchase, but less common discounts must be requested specifically before being credited. If you do not double check each discount you qualify for, you may be paying too high a price.

  • Good Grades Discount – Being a good student may save as much as 25% on a car insurance quote. Earning this discount can benefit you until age 25.
  • Early Signing – A few companies give discounts for switching policies prior to your current policy expiring. This discount can save up to 10%.
  • Early Payment Discounts – By making one initial payment instead of paying each month you can actually save on your bill.
  • Discounts for Government Workers – Employees or retirees of the government could qualify for a slight premium decrease on GL-Class insurance with a few car insurance companies.
  • ABS Braking Discount – Vehicles that have steering control and anti-lock brakes can reduce accidents so companies give up to a 10% discount.
  • Responsible Driver Discounts – Drivers who avoid accidents can pay as much as 50% less on GL-Class insurance than less cautious drivers.
  • Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies will forgive one accident without raising rates if you are claim-free for a certain period of time.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for better car insurance rates on GL-Class insurance.

As is typical with insurance, some of the credits will not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. Even though it appears you would end up receiving a 100% discount, nobody gets a free ride.

A list of car insurance companies and some of the discounts are:

  • GEICO may have discounts that include air bags, multi-vehicle, military active duty, daytime running lights, good student, defensive driver, and driver training.
  • USAA discounts include loyalty savings, defensive driver, multi-vehicle, driver training, new vehicle, and good student.
  • Progressive offers premium reductions for good student, multi-policy, multi-vehicle, online quote discount, online signing, and continuous coverage.
  • American Family has savings for early bird, defensive driver, good student, Steer into Savings, multi-vehicle, and mySafetyValet.
  • Esurance has discounts for DriveSense, Switch & Save, good student, anti-theft, and emergency road assistance.
  • Farmers Insurance offers discounts for good student, business and professional, homeowner, mature driver, distant student, multi-car, and electronic funds transfer.
  • State Farm includes discounts for Steer Clear safe driver discount, multiple autos, driver’s education, good student, safe vehicle, multiple policy, and student away at school.

Before buying, ask each insurance company to apply every possible discount. Some credits may not be available in your area. To see car insurance companies with the best car insurance discounts, follow this link.

You can change your insurance rates

An important part of buying insurance is that you know some of the factors that aid in calculating your auto insurance rates. If you have some idea of what impacts premium levels, this allows you to make good choices that could result in cheaper rates. Many things are used when you get a price on insurance. Some are pretty understandable like an MVR report, although some other factors are less obvious such as your marital status or your commute time.

The factors shown below are some of the major factors used by insurance companies to determine premiums.

  • More policies can equal more savings – Most larger insurers apply better rates for people who have multiple policies with them in the form of a multi-policy discount. The discount can add up to anywhere from five to ten percent in most cases. Even if you qualify for this discount already, you may still want to check prices from other companies to confirm you are receiving the best rates possible.
  • Poor driving habits means higher premiums – Your driving citation history can have a huge impact on auto insurance premiums. Drivers with clean records get better rates compared to bad drivers. Only having one driving citation can bump up the cost by twenty percent. Drivers who have gotten multiple violations like hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to keep their license.
  • Lower rates for safer cars – Cars with high safety ratings tend to be cheaper to insure. These vehicles protect occupants better and lower injury rates means less claims paid which can result in lower premiums. If your Mercedes-Benz scored better than four stars on it may be receiving lower rates.
  • Vehicle options can affect rates – Owning a car that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • High premiums for teenage drivers – Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations.Inexperience drivers are known to be less responsible with other occupants in the car and because of this, their auto insurance rates are much higher.
  • Save money by raising physical damage deductibles – Deductibles for physical damage define the amount the insured will be required to pay before a claim is paid by your company. Physical damage insurance, termed comprehensive and collision coverage on your policy, insures against damage to your car. Examples of some claims that would be covered would be rearending another vehicle, vandalism, and having a roll-over accident. The more money you’re willing to pay, the better rate you will receive on GL-Class insurance.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no perfect coverage plan. Every insured’s situation is different.

For example, these questions may help you determine if your insurance needs might need an agent’s assistance.

  • When should I drop full coverage on my 2016 Mercedes-Benz GL-Class?
  • Will filing a claim cost me more?
  • Am I covered if I drive in a foreign country?
  • Are rental cars covered under my policy?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered if I hit a deer?
  • Should I bundle my homeowners policy with my auto?
  • Should I buy only the required minimum liability coverage?
  • How high should deductibles be on a 2016 Mercedes-Benz GL-Class?
  • Is my trailer covered?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance 101

Learning about specific coverages of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz GL-Class.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive or Other Than Collision – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle and hitting a bird. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for surgery, nursing services, rehabilitation expenses and X-ray expenses. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover all vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage – This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a parking meter, colliding with another moving vehicle, backing into a parked car, sideswiping another vehicle and crashing into a ditch. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability coverages – Liability coverage protects you from damage or injury you incur to a person or their property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against claims like medical services, legal defense fees, repair costs for stationary objects, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

One last thing

People change insurance companies for a variety of reasons including being labeled a high risk driver, high rates after DUI convictions, extreme rates for teen drivers and poor customer service. Regardless of your reason, choosing a new insurance company is actually quite simple.

Lower-priced 2016 Mercedes-Benz GL-Class insurance is possible from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. A few companies do not provide online rate quotes and these small, regional companies provide coverage only through independent insurance agents.

In this article, we covered a lot of ways to save on 2016 Mercedes-Benz GL-Class insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding low cost car insurance. You may even find the lowest rates come from a smaller regional carrier.

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