Compare 2015 Mercedes-Benz GL-Class Car Insurance Rates

Trying to find cheaper car insurance rates for your Mercedes-Benz GL-Class? Nobody looks forward to buying car insurance, especially when their premiums are through the roof.

Multiple car insurance companies compete for your insurance dollar, and it can be difficult to compare rates to find the absolute best rate

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Finding affordable coverage is easy if you know what you’re doing. Although vehicle owners need to learn how the larger insurance companies price online insurance and take advantage of how the system works.

Parts of the Mercedes-Benz GL-Class rate equation

Consumers need to have an understanding of some of the elements that help determine insurance rates. Understanding what impacts premium levels enables informed choices that will entitle you to better insurance rates.

  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Traffic violations increase rates – Drivers who don’t get tickets tend to pay less for car insurance compared to drivers with tickets. Only having one citation can bump up the cost by as much as thirty percent. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to keep their license.
  • Higher deductibles cost less – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Mercedes-Benz from damage. A few examples of covered claims could be running into the backend of another car, damage caused by hail, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you have to pay, the less your insurance will be for GL-Class insurance.
  • Pay less if you’re married – Having a wife or husband can get you a discount on insurance. Having a spouse translates into being more mature and it’s proven that married drivers get in fewer accidents.

Free Quotes for Auto Insurance

When shopping for auto insurance there are multiple ways of comparing price quotes and find the best price. One of the best ways to compare 2015 Mercedes-Benz GL-Class insurance prices is to perform an online rate comparison. This is very easy and can be done using a couple different methods.

  • Probably the best way to compare a lot of rates at once is a comparison rater form click to view form in new window. This form eliminates the need for separate quote forms to each individual auto insurance company. One quote request compares rates from several companies.
  • Another way to analyze rates requires a visit to the website of each company and fill out their own quote form. For sake of this example, we’ll assume you want to compare Liberty Mutual, Safeco and State Farm. To get each rate you have to go to every website and enter your information, and that’s why the first method is more popular.

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

  • The least recommended method to get comparison rates is driving to insurance agents’ offices. Buying insurance online makes this process obsolete unless you prefer the professional guidance that only a license agent can provide. You can, however, comparison shop online but still have the advice of a local agent and we’ll cover that in a bit.

It doesn’t matter which method you choose, just make darn sure you compare the exact same quote information on every quote you get. If your comparisons have different deductibles it’s impossible to truly determine the lowest rate. Just a small difference in coverages can make a big difference in price. It’s important to know that quoting more provides better odds of finding better pricing.

Don’t miss out on these money-saving discounts

Car insurance companies don’t necessarily list all their discounts in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find ways to save on car insurance.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Military Rewards – Having a family member in the military can result in better rates.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz could qualify for discounted rates on garaged vehicles.
  • Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for GL-Class insurance than less cautious drivers.
  • Save over 55 – Older drivers may qualify for a discount up to 10% for GL-Class insurance.
  • Government Employees – Employees or retirees of the government can save as much as 8% for GL-Class insurance depending on your company.
  • Club Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your policy for GL-Class insurance.

It’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.

For a list of insurance companies offering car insurance discounts, follow this link.

Do I need special coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions may help you determine if your situation will benefit from professional help.

  • Am I covered when pulling a rental trailer?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need roadside assistance coverage?
  • Do I need replacement cost coverage?
  • What is medical payments coverage?
  • Can I afford to buy a different vehicle if my 2015 Mercedes-Benz GL-Class is totaled?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Insurance coverage specifics

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by insurance companies.

UM/UIM Coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz GL-Class.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, theft, damage from getting keyed and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like rehabilitation expenses, pain medications, surgery and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability coverage – This coverage protects you from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as repair costs for stationary objects, medical services and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Collision – This covers damage to your GL-Class caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, rolling your car, backing into a parked car and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Be a money saver!

We’ve covered some good ideas how you can save on 2015 Mercedes-Benz GL-Class insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. You may even discover the lowest premiums are with the least-expected company. They may have significantly lower rates on certain market segments compared to the large companies like Progressive and Geico.

As you go through the steps to switch your coverage, never sacrifice coverage to reduce premiums. In many cases, someone dropped collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

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