2010 Mercedes-Benz GL-Class Insurance Quotes – 5 Savings Tips

Drivers have a choice when trying to find affordable Mercedes-Benz GL-Class insurance. You can either waste hours driving around trying to get quotes or use the internet to make rate comparisons. There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to quote coverages for a new or used Mercedes-Benz and find the cheapest rates either online or from local insurance agents.

It’s important to price shop coverage before your next renewal because prices change regularly. Just because you had the best deal on GL-Class coverage a year ago you can probably find a better premium rate now. Ignore everything you know about car insurance because you’re about to learn the fastest and easiest way to find great coverage at a great price.

Buying car insurance is quite easy. If you currently have car insurance, you stand a good chance to be able to save some money using these methods. Vehicle owners just need to know the tricks to find the lowest price online.

Take advantage of these five money-saving discounts

Auto insurance is not cheap nor is it fun to buy but discounts can save money and there are some available to help offset the cost. Certain credits will be shown when you quote, but some must be requested specifically before they will apply.

• Mature Driver Discount – Seniors could receive a small decrease in premiums on GL-Class coverage.
• Sign Online – Many companies will provide an incentive for buying your policy on their website.
• Distant Student – College-age children who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
• Payment Method – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
• Telematics Discount – Insureds who allow their auto insurance company to spy on driving manner by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.

Policy discounts save money, but most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the fact that it seems like you could get a free auto insurance policy, insurance companies wouldn’t stay in business. But any discount will cut your overall bill.

Popular auto insurance companies and some of the discounts include:

• State Farm has savings for Steer Clear safe driver discount, defensive driving training, anti-theft, passive restraint, multiple policy, and good driver.
• Geico may have discounts that include five-year accident-free, federal employee, defensive driver, seat belt use, emergency military deployment, and membership and employees.
• SAFECO may include discounts for anti-lock brakes, teen safety rewards, accident prevention training, teen safe driver, and safe driver.
• Farmers Insurance may offer discounts for multi-car, alternative fuel, mature driver, business and professional, and homeowner.
• AAA discounts include good student, multi-car, AAA membership discount, anti-theft, good driver, multi-policy, and pay-in-full.
• USAA has discounts for loyalty savings, safe driver, new vehicle, multi-policy, vehicle storage, multi-vehicle, and military installation.

Before you buy a policy, ask each company or agent how many discounts you can get. Discounts may not be offered in your area.

The quickest method to compare rates is to understand most of the bigger providers actually pay money for the chance to provide you with free rate quotes. The one thing you need to do is provide a little information like your job, if the vehicle is leased, your education level, and your credit rating estimate. Your information gets sent immediately to insurance carriers in your area and you should receive rate quotes quickly.

Do I need special coverages?

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might help in determining if you might need professional guidance.

• Am I covered if I break a side mirror?
• Am I covered when pulling a rental trailer?
• Can I afford to buy a different vehicle if my 2010 Mercedes-Benz GL-Class is totaled?
• Which companies will insure high-risk drivers?
• If I drive on a suspended license am I covered?
• What is PIP insurance?
• Can I get a multi-policy discount?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Insurance coverage considerations

Understanding the coverages of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

Liability insurance protects you from injuries or damage you cause to other people or property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things like emergency aid, repair costs for stationary objects, pain and suffering and medical services. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Collision protection

This coverage pays for damage to your GL-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, hitting a mailbox, scraping a guard rail, rolling your car and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from a tornado or hurricane, a broken windshield, falling objects and hail damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz GL-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like pain medications, rehabilitation expenses, EMT expenses, ambulance fees and prosthetic devices. They are utilized in addition to your health insurance program or if you lack health insurance entirely. It covers 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 only offered in select states and gives slightly broader coverage than med pay

Better coverage you can count on

Low-cost 2010 Mercedes-Benz GL-Class insurance is possible both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance providers do not offer rate quotes online and usually these small, regional companies only sell through independent insurance agents.

When getting insurance coverage quotes online, you should never reduce needed coverages to save money. There are too many instances where an insured dropped uninsured motorist or liability limits and found out when filing a claim that it was a big mistake. Your aim should be to find the BEST coverage for the lowest price but still have enough coverage for asset protection.

Drivers change insurance companies for any number of reasons including denial of a claim, an unsatisfactory settlement offer, poor customer service or unfair underwriting practices. Regardless of your reason for switching companies, switching car insurance companies is actually quite simple.

Much more information about car insurance can be read at the links below

• Information for Teen Drivers (Geico)
• Distracted Driving Statistics (Insurance Information Insitute)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)