2018 Mercedes-Benz GLS-Class Insurance Quotes – 6 Tips for Cheapest Rates

Consumers have many options when looking for the best price on Mercedes-Benz GLS-Class insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to get rate quotes. There are both good and bad ways to find auto insurance online so you’re going to learn the absolute fastest way to compare rates for a Mercedes-Benz and obtain the lowest price either online or from local insurance agents.

The quickest method to compare car insurance rates is to realize most larger insurance companies provide online access to provide you with free rate quotes. To get started, all you need to do is give the companies some data such as coverage limits, any included safety features, if your license is active, and your credit rating estimate. Your details is then submitted to insurance carriers in your area and they return rate quotes immediately.

Find hidden discounts on insurance coverage

Auto insurance companies do not list every discount they offer very well, so the following is a list of a few of the more well known and also the lesser-known credits available to lower your premiums when you buy auto insurance online. If you check and find you aren’t receiving every discount you deserve, you are not getting the best rate possible.

  • No Claim Discounts – Insureds who avoid accidents and claims can save substantially when compared with bad drivers.
  • Passenger Safety Discount – Options like air bags and/or automatic seat belt systems may earn rate discounts of 20 to 30 percent.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a lower insurance coverage rate if you buy life insurance.
  • Paper-free Discount – A few companies will give a small break just for signing your application online.
  • Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper because new vehicles are generally safer.
  • Active Military Service – Being deployed with a military unit can result in better premium rates.

Discounts save money, but please remember that 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 liability, collision or medical payments. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

Popular insurance coverage companies and the discounts they provide include:

  • GEICO has savings for military active duty, federal employee, anti-theft, emergency military deployment, defensive driver, anti-lock brakes, and driver training.
  • MetLife offers discounts for good driver, claim-free, multi-policy, accident-free, and good student.
  • Progressive has discounts for good student, multi-policy, online signing, online quote discount, and multi-vehicle.
  • Travelers discounts include driver training, multi-policy, new car, good student, and multi-car.
  • SAFECO may offer discounts for drive less, accident prevention training, bundle discounts, safe driver, homeowner, anti-lock brakes, and teen safe driver.
  • AAA offers premium reductions for multi-policy, multi-car, pay-in-full, education and occupation, good driver, and anti-theft.

If you need cheap auto insurance quotes, ask every prospective company which discounts can lower your rates. Some of the earlier mentioned discounts may not apply in your area. To view insurance coverage companies with significant discounts, click here.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether you will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Is extra glass coverage worth it?
  • Am I missing any policy discounts?
  • Will my rates increase for filing one claim?
  • Is my trailer covered?
  • When should I not file a claim?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form. It is quick, free and you can get the answers you need.

Specific coverage details

Understanding the coverages of your insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage

Collision coverage covers damage to your GLS-Class from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as scraping a guard rail, backing into a parked car, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Liability auto insurance

This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like court costs, funeral expenses, medical services, medical expenses and pain and suffering. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Mercedes-Benz GLS-Class.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. 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 removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage kick in for expenses for things like X-ray expenses, ambulance fees, hospital visits and rehabilitation expenses. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage