2013 Mercedes-Benz GL-Class Car Insurance Quotes – 7 Ideas for Best Rates

Searching for the cheapest car insurance rates for your Mercedes-Benz GL-Class? Are you burned out from not being able to scrape enough together to pay high car insurance rates every month? You are in the same boat as the majority of other drivers. Companies like State Farm, Allstate, Geico and Progressive continually bombard you with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and do the work needed to find the best deal.

You should make it a habit to quote other rates yearly because prices tend to go up over time. Despite the fact that you may have had the lowest price on GL-Class coverage last year you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because you’re going to learn the quickest way to lower your annual insurance bill.

Find hidden discounts on car insurance

Car insurance companies do not list all available discounts very clearly, so the following is a list of a few of the more common and the more hidden discounts that may be available.

• Discount for Life Insurance – Some insurance companies give a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
• Club Memberships – Participating in qualifying employment or professional organizations may earn a discount when getting a insurance coverage quote.
• Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
• Defensive Driver – Taking time to complete a driver safety course could possibly earn you a 5% discount depending on where you live.
• Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Anti-theft System – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
• Military Rewards – Having a family member in the military can result in better prices.

A little note about advertised discounts, most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think you would end up receiving a 100% discount, that’s just not realistic.

Popular car insurance companies and a partial list of their discounts can be found below.

• Progressive may include discounts for multi-vehicle, online quote discount, good student, continuous coverage, and multi-policy.
• The Hartford may offer discounts for good student, defensive driver, anti-theft, vehicle fuel type, driver training, and air bag.
• Mercury Insurance policyholders can earn discounts including accident-free, annual mileage, type of vehicle, ease of repair, and anti-theft.
• Geico has savings for good student, federal employee, anti-lock brakes, defensive driver, and emergency military deployment.
• AAA offers premium reductions for anti-theft, pay-in-full, AAA membership discount, good driver, and multi-policy.
• State Farm has discounts for good driver, passive restraint, Steer Clear safe driver discount, multiple policy, multiple autos, and Drive Safe & Save.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not apply to policyholders in every state. If you would like to see a list of insurance companies with discount rates, click here.

Tailor your insurance coverage to you

When buying the best insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that might point out whether you would benefit from an agent’s advice.

• What is PIP insurance?
• When should I not file a claim?
• When should I drop full coverage on my 2013 Mercedes-Benz GL-Class?
• Do I pay less for low miles?
• When do I need to add a new car to my policy?
• Is pleasure use cheaper than using my 2013 Mercedes-Benz GL-Class to commute?
• Exactly who is provided coverage by my policy?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and can help protect your family.

But they said I’d save $435 a year!

Consumers can’t get away from all the ads for the lowest price auto insurance from the likes of Progressive, Allstate and Geico. All the companies convey the message that drivers will save a bundle if you just switch your policy.

How can each company charge you a lower premium? It’s all in the words they use.

Insurance companies have strict underwriting profiles for the type of customer that makes them money. One example of a desirable risk might have to be between 25 and 40, owns a home, and drives less than 7,500 miles a year. Someone that fits those parameters will get low car insurance rates and will cut their rates substantially.

Potential customers who cannot meet those criteria will be quoted a higher rate and this can result in business going elsewhere. The wording the ads use say “customers who switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make the claims of big savings.

This really illustrates why you really should compare rate quotes every year. Because without a comparison, you cannot know which company will have the best car insurance rates for your profile.

Car insurance coverage information

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages available from car insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mercedes-Benz GL-Class.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Collision insurance

This covers damage to your GL-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like pain medications, X-ray expenses and doctor visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Liability coverages

This coverage can cover damage that occurs to people or other property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as attorney fees, funeral expenses, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Power to the consumer

Cheap 2013 Mercedes-Benz GL-Class insurance is possible both online in addition to local insurance agencies, so you should be comparing quotes from both in order to have the best price selection to choose from. Some companies may not provide online price quotes and many times these smaller companies work with independent insurance agencies.

When getting insurance coverage quotes online, do not buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced liability limits or collision coverage to discover at claim time that the savings was not a smart move. Your goal is to buy the best coverage you can find at the lowest possible cost and still be able to protect your assets.

More tips and info about insurance coverage is located at these sites:

• What Does No-Fault Insurance Cover? (Allstate)
• Vehicle Safety Ratings (iihs.org)
• Winter Driving (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Your Car has been Stolen: Now What? (Allstate)