How Much Does 2012 Mercedes-Benz GL-Class Car Insurance Cost?

Finding cheaper insurance for a new or used Mercedes-Benz GL-Class can normally be an all-consuming task, but you can learn our auto insurance buying tips to make it easier. There are both good and bad ways to shop for auto insurance and we’ll show you the absolute fastest way to quote coverages for your Mercedes-Benz and locate the lowest price either online or from local insurance agents.

It’s important to price shop coverage before your policy renews since insurance rates go up and down regularly. Even if you think you had the best price for GL-Class insurance on your last policy there is a good chance you can find better rates now. So block out anything you think you know about auto insurance because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Finding the best rates is quite easy. If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Drivers only need an understanding of the tricks to buy insurance online.

Which Insurance is Cheapest?

Finding cheaper 2012 Mercedes-Benz GL-Class insurance prices is a fairly straight forward process. You just need to take time to get quotes provided by online insurance companies. It is quite easy and can be accomplished in several different ways.

The easiest and least time consuming way to get quotes would be an industry-wide quote request form (click to open form in new window). This method prevents you from having to do boring form submissions for each company you want a rate for. One form submission will return price quotes from many national carriers. This is by far the quickest method.

A slightly less efficient method to get quotes online requires a trip to the website for each individual company to complete their respective quote request forms. For examples sake, let’s assume you want to compare rates from Progressive, Safeco and State Farm. To get each rate you have to visit each site and enter your policy data, which is why most consumers use the first method.

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

Whichever way you use, ensure you are comparing apples-to-apples information with each company. If your comparisons have different deductibles then you won’t be able to make a fair comparison for your Mercedes-Benz GL-Class.

When should I use an insurance agent?

When choosing proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your insurance needs will benefit from professional help.

  • Is my camper covered by my car insurance policy?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when driving in Canada or Mexico?
  • How high should deductibles be on a 2012 Mercedes-Benz GL-Class?
  • Will my insurance pay for OEM parts?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Will I lose any money if I cancel my policy before it expires?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance policy coverages for a 2012 Mercedes-Benz GL-Class

Having a good grasp of your policy can be of help when determining the right coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, a tree branch falling on your vehicle, rock chips in glass, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for expenses for doctor visits, funeral costs, surgery, chiropractic care and hospital visits. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Liability coverage

Liability insurance can cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims such as court costs, bail bonds, loss of income and medical services. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.