2014 Mercedes-Benz GL-Class Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced auto insurance policy? Trust us when we tell you you’re not the only one.

Popular companies such as Progressive, State Farm and Geico all promote huge savings with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

If you currently have car insurance, you will be able to cut costs considerably using these techniques. Choosing the best insurance company for you is not that difficult. Nevertheless, drivers can benefit from knowing the methods companies use to determine prices because it can help you find the best coverage.

Get lower rates on Mercedes-Benz GL-Class insurance

Car insurance companies don’t necessarily list all available discounts very well, so we break down both the well known and also the lesser-known ways to save on insurance.

  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for GL-Class coverage than drivers with accident claims.
  • College Student – Any of your kids who attend school more than 100 miles from home and don’t have a car may qualify for this discount.
  • Military Discounts – Being on active duty in the military may qualify for rate reductions.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Pay Now and Pay Less – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for GL-Class coverage with a few insurance companies.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of insurers with the best insurance discounts, click here.

Mercedes-Benz GL-Class rates are in the details

Consumers need to have an understanding of some of the elements that come into play when calculating your car insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that will entitle you to big savings.

  • Women pay lower rates – Statistics show women are more cautious behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes are in accidents at about the same rate, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
  • Your car insurance rates can be influenced by your job – Did you know your car insurance rates can be affected by your occupation? Jobs such as real estate brokers, business owners and accountants are shown to have higher rates than average due to job stress and long work hours. On the flip side, jobs such as pilots, athletes and performers pay the least for GL-Class coverage.
  • Add-on coverages can add up – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Insurance for personal injury protection, accidental death and membership fees are examples of these. They may seem like a good idea initially, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Keep rates low by being claim-free – Insurance companies give discounts to insureds who do not rely on their insurance for small claims. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Poor credit can mean higher rates – Your credit rating is a huge factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than drivers with lower credit ratings. So if your credit score can use some improvement, you could potentially save money when insuring your 2014 Mercedes-Benz GL-Class by repairing your credit.
  • Lower rates come with age – Older drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers tend to be more careless behind the wheel therefore car insurance rates are much higher.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • Why does it cost so much to insure a teen driver?
  • What happens if I owe more than my 2014 Mercedes-Benz GL-Class is worth?
  • Should I buy full coverage?
  • Is business property covered if stolen from my car?
  • Should I buy additional glass protection?
  • Are split liability limits better than a combined single limit?
  • Can I afford to buy a different vehicle if my 2014 Mercedes-Benz GL-Class is totaled?
  • Am I covered if I drive in a foreign country?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Parts of your insurance policy

Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most insurance policies.

Auto liability

Liability insurance will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like legal defense fees, repair bills for other people’s vehicles, repair costs for stationary objects, medical expenses and attorney fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like prosthetic devices, ambulance fees and EMT expenses. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Coverage for collisions

This pays for damage to your GL-Class resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a mailbox, crashing into a ditch, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Mercedes-Benz GL-Class.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive auto coverage

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, theft, a tree branch falling on your vehicle and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Do the work, save more money

Discount 2014 Mercedes-Benz GL-Class insurance can be sourced online and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

We’ve covered a lot of information how to save on insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the best price on insurance coverage is with a small mutual company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, Geico and Nationwide.

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