2015 Mercedes-Benz GLA-Class Insurance Rates – 5 Tips for Cheaper Quotes

Looking for lower insurance rates for your Mercedes-Benz GLA-Class? Think you have an underperforming, overpriced insurance policy? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their insurance policy.

Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest rate possible.

You should make it a habit to compare prices yearly due to the fact that insurance prices change quite often. If you had the best quotes on GLA-Class insurance a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because you’re about to learn how to use online quotes to eliminate unnecessary coverages and save money.

Low cost car insurance prices

When shopping for cheaper insurance quotes, there are a couple of ways to obtain and compare prices from many available car insurance companies in your state. The easiest way by far to find cheaper 2015 Mercedes-Benz GLA-Class rates is to jump online and get quotes. This can be done in a couple minutes as outlined below.

1. The most efficient way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This form keeps you from doing separate quote forms for each company you want a rate for. Taking the time to complete one form gets prices estimates from many national carriers.
2. A more difficult way to find more affordable insurance is going to the website of each company and fill out a new quote form. For example, let’s say you want to view quotes from Liberty Mutual, Farmers and GMAC. You would have to take the time to go to each site to enter the same coverage data repeatedly, which is why the first method is quicker.

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

It’s up to you how you get prices quotes, just make sure you compare nearly identical quote information on every quote you get. If you are comparing different limits and deductibles on each one it will be nearly impossible to make a fair rate comparison. Even a minor difference in coverages may result in a large different in cost. And when comparison shopping, comparing a wide range of rates will improve the odds of getting lower pricing.

Insurance coverage policy discounts

Companies that sell car insurance do not advertise the complete list of policy discounts very well, so we break down some of the more common and the more hidden insurance coverage savings. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

• Pay Early and Save – If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
• College Student Discount – who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.
• Homeowners Discount – Owning your own home or condo can earn you a little savings since home ownership requires a higher level of personal finance.
• Active Service Discounts – Being on active deployment in the military may lower your prices slightly.
• Discounts for New Vehicles – Insuring a vehicle that is new is cheaper since new model year vehicles are generally safer.

Keep in mind that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

Large insurance coverage companies and their possible discounts can be found below.

• Mercury Insurance policyholders can earn discounts including location of vehicle, low natural disaster claims, professional/association, accident-free, and type of vehicle.
• Farmers Insurance offers discounts including bundle discounts, alternative fuel, good student, multi-car, mature driver, and distant student.
• Farm Bureau includes discounts for multi-policy, renewal discount, 55 and retired, multi-vehicle, and safe driver.
• State Farm may have discounts that include Steer Clear safe driver discount, anti-theft, multiple autos, driver’s education, student away at school, and safe vehicle.
• Allstate offers premium reductions for defensive driver, economy car, multi-policy, passive restraint, and good student.
• Geico has discounts for multi-policy, daytime running lights, driver training, federal employee, seat belt use, and good student.

Check with each insurance company which credits you are entitled to. Some credits may not be offered in your area. For a list of insurers who offer online insurance coverage quotes, click here to view.

How do I know if I need professional advice?

When choosing the best insurance coverage coverage for your vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions can help discover if you may require specific advice.

• Is my 2015 Mercedes-Benz GLA-Class covered for smoke damage?
• Do I have coverage when using my vehicle for my home business?
• Am I covered when driving someone else’s vehicle?
• Is my cargo covered for damage or theft?
• Is my dog or cat covered if injured in an accident?
• What is no-fault insurance?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Auto insurance companies are expert advertisers

Auto insurance companies such as Progressive, Geico, Allstate and State Farm consistently run television, radio, and online ads. All the companies make the point that people will save if you move your auto insurance policy to them. It sounds good, but how can they all charge lower premium rates? Just pay attention to how they say it.

Insurance providers have specific guidelines for the type of driver that earns them a profit. For instance, this type of insured might be described as between 25 and 40, owns their home, and the vehicle is rated for pleasure use. Any person who matches those parameters will get a cheap rate quote and will most likely pay quite a bit less when switching companies.

People who don’t measure up to the “perfect” profile will probably be forced to pay higher premiums which translates to the customer not purchasing. The ad wording is “drivers that switch” not “everybody who quotes” save that much when switching. That’s the way companies can make claims like that. Because each company has a different risk profile, you really should get insurance quotes from several different companies. It’s just not possible to know which auto insurance company will have the lowest rate quotes.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy aids in choosing the right coverages for your vehicles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Shown next are the normal coverages found on most insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses for EMT expenses, rehabilitation expenses, prosthetic devices, X-ray expenses and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage

Collision coverage pays for damage to your GLA-Class caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, theft, damage from flooding and damage from a tornado or hurricane. The maximum payout 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 removing comprehensive coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for liability

This coverage can cover damage or injury you incur to other people or property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability insurance covers claims like medical services, repair bills for other people’s vehicles and emergency aid. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

More quotes. Lower rates.

As you restructure your insurance plan, you should never reduce coverage to reduce premium. Too many times, an accident victim reduced physical damage coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The goal is to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.

Throughout this article, we presented many ways to save on 2015 Mercedes-Benz GLA-Class insurance. The key thing to remember is the more you quote insurance, the better your chances of lowering your premium rates. You may be surprised to find that the biggest savings come from the smaller companies. Some small companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.

More detailed insurance information is available by following these links:

• Speed and Speed Limit FAQ (iihs.org)
• Side Impact Crash Tests (iihs.org)
• Auto Insurance Basics (Insurance Information Insitute)
• Anti-Lock Brake FAQ (iihs.org)
• Preventing Carjacking and Theft (Insurance Information Insitute)