Cheaper 2012 Mercedes-Benz GL-Class Insurance Rates

Searching for better insurance rates for your Mercedes-Benz GL-Class? Buying lower-cost insurance online may be overwhelming for consumers not familiar with buying insurance on the web. With such a large number of agents and companies competing online, how are we expected to be able to compare every company in order to find cheaper insurance rates?

It’s smart to compare premium rates before your next renewal because rates go up and down regularly. Just because you had the best rate for GL-Class insurance six months ago you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to how to quote online to reduce your cost while improving coverage.

Finding the best rates is easy if you know what you’re doing. Essentially everyone who buys insurance coverage will be able to save money. But consumers must understand how insurance companies market on the web and apply this information to your search.

How much does insurance cost?

Effectively comparing insurance prices can be exhausting if you don’t utilize the easiest way. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to submit one quote, and each company returns a rated price based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for. To get comparison pricing now click to open in new window.

The single downside to comparing rates this way is buyers cannot specifically choose which carriers you will receive quotes from. So if you prefer to pick from a list of companies to request quotes from, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to use nearly identical coverage limits and deductibles for each quote you get. If the quotes have higher or lower deductibles it will be very difficult to truly determine the lowest rate. Even a minor difference in limits can mean a large discrepancy in price. And when comparing insurance rates, know that comparing more rates from different companies helps improve the odds of finding more affordable insurance.

Does auto insurance advertising bend the truth?

Respected companies like Progressive, Allstate and Geico constantly bombard you with ads on TV and radio. They all seem to state the claim that you can save if you change your auto insurance policy to them. That’s great but how can every company claim to save you money?

Different companies quote the lowest rates for the type of driver that earns them the most money. For example, this type of driver could possibly be between the ages of 30 and 45, has a low-risk occupation, and insures a new vehicle. Anyone that hits that “sweet spot” will most likely get cheap rates and most likely will cut their rates if they switch.

Potential customers who cannot meet the “perfect” profile will see a higher rate and ends up with the driver buying from a lower-cost company. The ad wording is “drivers that switch” but not “everyone who gets a quote” save that kind of money. That is how companies can truthfully make the claims of big savings. Because of the profiling, you really should get insurance quotes from several different companies. It’s impossible to know which company will have better prices than you’re paying now.

Insurance policy discounts you can’t miss

Buying insurance is not cheap, but there could be available discounts to help bring down the price. Many of these discounts will be applied automatically at the time of quoting, but occassionally some discounts must be specially asked for before you get the savings.

• Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn better premium rates if you take out some life insurance in addition to your auto policy.
• Military Deployment Discount – Being on active duty in the military can result in better prices.
• Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
• 55 and Retired – Mature drivers may receive reduced rates for GL-Class insurance.
• Membership in Organizations – Affiliation with a qualifying organization is a simple method to lower premiums on your next renewal.
• E-sign Discounts

You should keep in mind that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, that’s just not realistic.

A list of companies and some of the discounts are shown below.

• 21st Century may include discounts for homeowners, anti-lock brakes, student driver, defensive driver, air bags, 55 and older, and teen driver.
• State Farm may offer discounts for multiple policy, anti-theft, driver’s education, good student, and student away at school.
• AAA has discounts for good student, multi-car, multi-policy, education and occupation, and good driver.
• Liberty Mutual includes discounts for multi-car, teen driver discount, good student, new move discount, multi-policy, newly retired, and new graduate.
• Progressive may have discounts that include multi-vehicle, good student, multi-policy, online signing, homeowner, continuous coverage, and online quote discount.

Double check with all companies you are considering which discounts you qualify for. Discounts may not apply in your area. To see insurance companies who offer free insurance quotes, click here to view.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions can help discover if your insurance needs would benefit from professional advice.

• Which is better, split liability limits or combined limits?
• Is business equipment covered while in my vehicle?
• Is a new car covered when I drive it off the dealer lot?
• Do I have coverage when using my vehicle for my home business?
• Should I waive the damage coverage when renting a car?
• Why am I required to get a high-risk car insurance policy?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverage information

Having a good grasp of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your 2012 Mercedes-Benz GL-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

This coverage will pay to fix 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 insurance covers things such as damage from getting keyed, hail damage, hitting a bird and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision protection

This will pay to fix damage to your GL-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as damaging your car on a curb, crashing into a ditch, hitting a parking meter, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability 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. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims such as legal defense fees, medical services and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Coverage for medical payments

Med pay and PIP coverage provide coverage for bills like pain medications, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

More choices the merrier

As you shop your coverage around, do not sacrifice coverage to reduce premiums. Too many times, drivers have reduced uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. The ultimate goal is to get the best coverage possible for the lowest cost, not the least amount of coverage.

In this article, we presented a lot of tips how to save on 2012 Mercedes-Benz GL-Class insurance. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper insurance. You may even find the most savings is with an unexpected company.

Insureds who switch companies do it for a number of reasons such as unfair underwriting practices, not issuing a premium refund, delays in responding to claim requests or poor customer service. Regardless of your reason for switching companies, choosing a new insurance company is not as difficult as it may seem.

Additional insurance information is available at these links:

• Event Data Recorders FAQ (iihs.org)
• Five Mistakes to Avoid (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)
• Auto Crash Statistics (Insurance Information Insitute)