2015 Mercedes-Benz GL-Class Insurance Rates – 5 Tips for Cheapest Quotes

Nobody that owns a car looks forward to buying insurance, particularly when they could find better rates elsewhere. Having so many online and local companies to choose from, it is hard for the average consumer to pick the best company.

Lower-cost auto insurance rates with discounts

Some providers don’t always advertise every discount very clearly, so the below list has some of the more common as well as some of the hidden discounts that you may qualify for.

• Drivers Education – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
• Telematics Data – Insureds who allow their insurance company to track their driving habits through the use of a telematics system such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
• One Accident Forgiven – Not necessarily a discount, but a handful of insurance companies will allow you to have one accident before they charge you more for coverage with the catch being you have to be claim-free prior to the accident.
• Membership in Organizations – Participating in qualifying employment or professional organizations could earn you a nice discount when shopping for auto insurance.
• Theft Deterent System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems have a lower chance of being stolen and earn discounts up to 10% off your insurance quote.

Discounts lower rates, but some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as liability and collision coverage. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Insurance companies that have some of the above discounts may include but are not limited to:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Before purchasing a policy, check with every prospective company to apply every possible discount. Some discounts listed above might not apply in every state. If you would like to view companies offering auto insurance discounts, click this link.

Tailor your car insurance coverage to you

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions could help you determine if you could use an agent’s help.

• How much liability do I need to cover my assets?
• How do I file an SR-22 for a DUI in my state?
• Do I get a pro-rated refund if I cancel my policy early?
• Is business property covered if stolen from my car?
• What exactly is covered by my policy?
• Will my insurance pay for OEM parts?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Educate yourself about auto insurance coverages

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most auto insurance policies.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, crashing into a building and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, damage from a tornado or hurricane, a tree branch falling on your vehicle and theft. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

This protects you from injuries or damage you cause to other’s property or people in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

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. You might see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like repair bills for other people’s vehicles, court costs and emergency aid. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like rehabilitation expenses, doctor visits, hospital visits, dental work and X-ray expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Shop Smart and Save

We’ve covered many ways to compare 2015 Mercedes-Benz GL-Class insurance premium rates online. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the most savings is with the least-expected company. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

When shopping online for auto insurance, you should never buy poor coverage just to save money. In many cases, an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy enough coverage at the best price while still protecting your assets.

For more information, feel free to browse the following helpful articles:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)