2008 Mercedes-Benz GL-Class Insurance Rates

Comparison shopping for more affordable car insurance can seem to be challenging for drivers not familiar with online insurance quotes. Consumers have so many options that it can be a burden to lower your prices.

Finding the best rates is not rocket science. If you have car insurance now, you will most likely be able to cut costs considerably using this information. But consumers do need to understand the methods companies use to sell online and apply this information to your search.

How to lower your insurance cost

When shopping for the cheapest auto insurance quotes, there are a couple of ways to obtain and compare prices from many insurance companies in your state. By far the easiest way to find the lowest Mercedes-Benz GL-Class rates is to get quotes online. This is very easy and can be done in several different ways.

  1. The fastest and easiest way to get quotes is to use a rate comparison form (click to open form in new window). This easy form saves time by eliminating separate quotation requests for every insurance company. One simple form will return price quotes from multiple low-cost companies. It’s the fastest way to compare.
  2. A harder way to find lower rates requires you to visit the website for every company you want to comare and repeat the quote process. For examples sake, let’s assume you want to get rates from Nationwide, State Farm and Geico. You would be required to spend time on each company’s site and type in your information over and over, which is why the first method is more popular.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make darn sure you compare the exact same coverage limits for every company. If you have different values for each quote it will be next to impossible to decipher which rate is best. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. Just keep in mind that more quotes increases your odds of finding a lower rate. Some regional insurers cannot provide rate quotes online, so it’s important to also get prices from those companies as well.

Insurance coverage quotes and discounts

Some companies don’t list the entire discount list very clearly, so the next list breaks down some of the more common and the more hidden discounts you could be receiving when you buy auto insurance online.

  • Organization Discounts – Participating in qualifying clubs or civic groups could earn you a nice discount on insurance coverage.
  • Switch and Save Discount – Select companies give a discount for switching policies prior to the expiration date on your current policy. You may see this discount when you get auto insurance quotes online.
  • Discount for Life Insurance – Larger insurance coverage companies have a lower rate if you buy life insurance from them.
  • Discounts for Multiple Vehicles – Insuring primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Discounts for Good Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on GL-Class insurance compared to rates paid by drivers with frequent claims.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education as it will make them better drivers and lower rates.
  • Driver Safety – Successfully completing a course teaching safe driver skills may get you a small discount if you qualify.
  • No Claim Discounts – Insureds with no claims or accidents can save substantially as opposed to accident-prone drivers.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz could qualify for substantially lower rates.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

Large insurance coverage companies and some of the premium reductions they offer include:

  • State Farm may include discounts for multiple policy, Steer Clear safe driver discount, Drive Safe & Save, multiple autos, good student, and passive restraint.
  • Nationwide policyholders can earn discounts including accident-free, anti-theft, family plan, defensive driving, and Farm Bureau membership.
  • Geico has discounts for daytime running lights, seat belt use, five-year accident-free, membership and employees, anti-theft, emergency military deployment, and air bags.
  • AAA discounts include multi-car, pay-in-full, good driver, good student, AAA membership discount, education and occupation, and multi-policy.
  • 21st Century may offer discounts for teen driver, 55 and older, homeowners, theft prevention, early bird, air bags, and good student.
  • The Hartford offers discounts including defensive driver, bundle, air bag, driver training, and good student.

Before purchasing a policy, check with all the companies which credits you are entitled to. Depending on the company, some discounts may not be available in your state.

Situations that may require an agent’s advice

When it comes to choosing adequate coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help highlight if your insurance needs would benefit from an agent’s advice.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When does my teenage driver need to be added to my policy?
  • Is my 2008 Mercedes-Benz GL-Class covered for flood damage?
  • Is my cargo covered for damage or theft?
  • Does my car insurance cover rental cars?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • How do I file an SR-22 for a DUI in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are my friends covered when driving my 2008 Mercedes-Benz GL-Class?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form.

Six things that influence your insurance prices

It’s important that you understand the different types of things that are used to determine the level of your policy premiums. If you have some idea of what determines premiums, this empowers consumers to make smart changes that may reward you with cheaper rates.

  • Allowing your insurance coverage policy to lapse raises prices – Driving any period of time without insurance is against the law and your next policy will cost more because you let your insurance coverage expire. Not only will you pay more, being ticketed for driving with no insurance could result in a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Safety first – Cars with high safety ratings tend to be cheaper to insure. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you.
  • Annual miles is a factor – Driving more miles in a year’s time the more you will pay for insurance coverage. The majority of insurers rate vehicles based upon how you use the vehicle. Vehicles that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your declarations sheet properly reflects the correct usage. An incorrectly rated GL-Class may be costing you higher rates.
  • Extra policy coverages that may not be needed – There are quite a few optional add-on coverages that can add up if you aren’t diligent. Insurance for things like coverage for rental cars, high-cost glass coverage, and motor club memberships are probably not needed. The coverages may be enticing when buying your policy, but now you might not need them so eliminate them to save money.
  • Marriage can save on insurance coverage – Walking down the aisle may save some money on your insurance coverage bill. Having a spouse demonstrates that you tend to be more mature and responsible and insurance companies like that married drivers tend to have fewer serious accidents.
  • High physical damage deductibles equal low rates – The deductibles define the amount you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of covered claims would be collision with another vehicle, collision with a deer, and damage caused by road hazards. The more money you choose to pay out-of-pocket, the bigger discount you will receive on GL-Class insurance.

Do car insurance companies bend the truth?

Car insurance companies such as Allstate and Progressive consistently run ads on TV and radio. All the ads tend to make the same promise that you can save just by moving your car insurance policy to them. How do they all say the same thing? It’s all in the numbers.

All the different companies quote their cheapest rates for a prospective insured that will most likely be profitable. For example, this type of risk profile may need to be between the ages of 30 and 50, has had continuous coverage, and drives a lower-performance vehicle. Anyone that matches those criteria will get the preferred premium rates and most likely will save if they switch.

Potential insureds who may not quite match this stringent profile may receive a higher rate which translates to business going elsewhere. Company advertisements say “customers that switch” but not “everyone who gets a quote” save money. That is how companies can truthfully advertise the savings. This really emphasizes why it is so important to quote coverage with many companies. You cannot predict which insurance companies will provide you with the cheapest prices.

Auto insurance coverage information

Understanding the coverages of your insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses like EMT expenses, chiropractic care and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability insurance

This protects you from damage or injury you incur to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims like legal defense fees, loss of income, medical expenses, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz GL-Class.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a tree branch falling on your vehicle, hail damage and falling objects. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Be a Smart Shopper

As you go through the steps to switch your coverage, do not skimp on coverage in order to save money. In many instances, someone dropped liability coverage limits only to discover later that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

Insureds switch companies for any number of reasons including being labeled a high risk driver, policy non-renewal, delays in paying claims and even high prices. It doesn’t matter what your reason, switching insurance coverage companies can be pretty painless.

We just showed you some good ideas how to lower your 2008 Mercedes-Benz GL-Class insurance premium rates. It’s most important to understand that the more price quotes you have, the better likelihood of getting cheap auto insurance. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

More tips and info about insurance coverage is located by following these links:

Comments About 2008 Mercedes-Benz GL-Class Insurance

  1. Migdalia Sims

    Is Allstate cheaper than Progressive in Davenport, Iowa?

  2. Francine Sharp

    It’s all a rip off. Found cheapest coverage with AAA for my GL-Class and saved around $370 a year.

  3. Sanora Morrison

    If you have a clean record and live in the vicinity of Knoxville, TN, check out Allstate. You might save some money. I increased coverages a little too. It was easy to get rates.

  4. Felicitas Henson

    Here’s what I found out. Live in Jackson, MS. Quoted with GEICO, Hanover, and Esurance for my 2008 Mercedes-Benz GL-Class and saved just over $330 a year.

  5. Federico Walter

    Will Progressive give a discount for driver training?

  6. Jessie Medina

    21st Century is decent in Grand Forks, ND.

  7. Winston Webb

    I found affordable 2008 Mercedes-Benz GL-Class insurance from State Farm in Fargo, North Dakota.

  8. Mendy Jennings

    Where is cheaper car insurance? Proud to be from Greensboro, NC. Received rates from AIG Insurance, Mercury, and Western Auto Insurance for my GL-Class and I think I saved around $50 each month. Thankfully I have a good driving record. It never hurts to quote around.

  9. Amy Nielsen

    This is too expensive. I’m in the east part of Gaithersburg, Maryland. Can’t remember who all I quoted but I ended up saving about $20 each month. Was with USAA. Highly recommended.

  10. Eloisa Ashley

    I got a good deal I think. I’m just east of Honolulu, Hawaii. I quoted with Allstate, The General, and Encompass for my Mercedes-Benz and I think I cut my rates about $60 each month.

  11. Ignacia Bryant

    If you don’t have tickets and live around Jersey City, NJ, check out Progressive. I saved quite a bit.

  12. Merri Ferrell

    In Lewiston, Maine compare State Farm with Progressive and see which is best.

  13. Victoria Garrett

    If you don’t have tickets and live in the vicinity of Idaho Falls, ID, check out 21st Century. I saved quite a bit. Left Sentry to switch. A clean driving record helps. It was easy to get rates.

  14. Nanci Raymond

    I live just to the south of Davenport, IA. I got free quotes from AAA, Nationwide, and a few others for my GL-Class and saved $397 a year. Wish I didn’t have to insure at all.