2007 Mercedes-Benz GL-Class Car Insurance Rates – 10 Policy Discounts

Are you confused by the wide range of auto insurance choices? Lot’s of other consumers are too. You have so many options available that it can turn into a lot of work to find the best price.

Finding the best rates is easy if you know what you’re doing. Basically, every vehicle owner who is shopping for insurance will most likely be able to cut their insurance bill. But car owners need to learn the methods companies use to determine prices because it can help you find the best coverage.

Quick Insurance Quotes

There are several ways to compare rate quotes from local insurance companies. The easiest way by far to find competitive 2007 Mercedes-Benz GL-Class insurance rates is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to find the lowest comparison rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate quotation requests for every insurance company. One form submission will return price quotes from insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A different way to shop for insurance online requires visiting the website of each company and fill out their own quote form. For instance, let’s say you want comparison quotes from Allstate, Liberty Mutual and Travelers. You would have to go to every website to enter your coverage information, which is why the first method is more popular.

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

The hardest way of getting rate comparisons is to spend time driving to and from local insurance agencies. Shopping for insurance online can eliminate the need for a local agent unless you prefer the professional guidance of a licensed agent. It is possible to compare online quotes and get advice from an agent in your area and we’ll talk about that later.

Whichever method you choose, make darn sure you compare the exact same coverages and limits on every quote. If you enter differing limits you can’t possibly determine the lowest rate for your Mercedes-Benz GL-Class. Having just a slight variation in coverages can make a big difference in price. And when quoting insurance, remember that having more price comparisons will increase your chances of finding a lower rate.

Beware of misleading insurance coverage ads

Companies like State Farm, Allstate and Geico continually stream ads on television and other media. All the ads say the same thing that you can save after switching to their company. How does each company make the same claim?

All companies have a preferred profile for the right customer they prefer to insure. An example of a desirable insured could possibly be between 30 and 50, has no prior claims, and drives less than 10,000 miles a year. Any new insured who meets those qualifications is entitled to the best price and as a result will probably save when switching.

Drivers who do not match the requirements will have to pay a higher premium and this can result in the customer not buying. The ad wording is “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can advertise the savings. Because of the profiling, you absolutely need to get a wide range of price quotes. It’s not possible to predict the company that will provide you with the cheapest Mercedes-Benz GL-Class insurance rates.

Companies offer discounts so take them!

Car insurance companies don’t always list every available discount in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known insurance savings.

  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. The good student discount can last until age 25.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • Bundle and Save – If you have multiple policies with the same company you could get a discount of 10% to 20% off each policy.
  • Discount for Life Insurance – Companies who offer life insurance give a discount if you purchase life insurance.
  • College Student – Youth drivers who live away from home and don’t have a car can be insured at a reduced rate.
  • Accident Forgiveness – Some insurance companies will allow you to have one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Save over 55 – If you’re over the age of 55, you may receive reduced rates on GL-Class insurance.

Drivers should understand that many deductions do not apply to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

A partial list of companies that may have these benefits include:

Double check with all companies you are considering which discounts you may be entitled to. Some discounts might not be offered in your area.

Do I just need basic coverages?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help you determine whether or not you would benefit from professional advice.

  • Does my car insurance cover rental cars?
  • Do I have coverage when using my vehicle for my home business?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does car insurance cover theft of personal property?
  • Is business property covered if stolen from my car?
  • Does my policy cover my teen driver if they drive my company car?
  • Who is covered when they drive my 2007 Mercedes-Benz GL-Class?
  • How can I get my company to pay me more for my totalled car?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered when driving in Canada or Mexico?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Auto insurance coverage breakdown

Understanding the coverages of auto insurance helps when choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision coverage pays for damage to your GL-Class resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building, colliding with another moving vehicle, driving through your garage door and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible in order to get cheaper collision rates.

Coverage for medical payments – Med pay and PIP coverage pay for bills like funeral costs, chiropractic care, X-ray expenses and dental work. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as falling objects, fire damage, hail damage and a broken windshield. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability coverages – Liability insurance will cover injuries or damage you cause to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds, repair costs for stationary objects, emergency aid and medical expenses. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible.

A penny earned…

Cheap 2007 Mercedes-Benz GL-Class insurance can be purchased from both online companies as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance providers don’t offer online quoting and many times these small insurance companies only sell through independent insurance agents.

You just learned many ideas to reduce insurance prices online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the biggest savings come from a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for a number of reasons such as policy non-renewal, high rates after DUI convictions, denial of a claim or being labeled a high risk driver. Whatever your reason, choosing a new company is easier than you think.

Additional detailed information can be read at these sites: