Lower Your 2016 Mercedes-Benz GL-Class Car Insurance Rates

Looking for cheaper insurance rates for your Mercedes-Benz GL-Class? Finding cheaper insurance for a new or used Mercedes-Benz GL-Class can turn out to be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to find insurance online and we’ll show you the best way to quote coverages for a Mercedes-Benz and locate the lowest price from both online companies and local agents.

If you have insurance now or need a new policy, you will benefit by learning to find better prices and possibly find even better coverage. Pricing cheaper auto insurance is easy if you know what you’re doing. Drivers only need an understanding of the proper methods to compare price quotes over the internet.

Get lower-cost insurance with discounts

Car insurance can cost a lot, but there may be some discounts to cut the cost considerably. Many of these discounts will be applied automatically when you get a quote, but some must be manually applied in order for you to get them.

• Senior Citizen Discount – Seniors may receive a small discount on rates for GL-Class insurance.
• Sign Early and Save – Select larger companies give a discount for switching to them early. The savings is around 10%.
• Discount for Life Insurance – Not all insurance companies offer life insurance, but some may give you a break if you buy a life policy as well.
• Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems can receive discounts as much as 30%.
• Active Military Service – Having a family member in the military could be rewarded with lower prices.
• Seat Belts Save – Buckling up and requiring all passengers to use a seat belt can save 10% or more off the personal injury premium cost.
• Distant Student Discount – Kids who are attending college and do not have a car may be insured at a cheaper rate.
• Policy Bundle Discount – If you have multiple policies and place coverage with the same company they may give you a discount of 10% to 20% off each policy.

Discounts save money, but please remember that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

A few companies that may offer some of the discounts shown above include:

• Geico
• Travelers
• Farm Bureau
• Liberty Mutual
• American Family
• Progressive

Before purchasing a policy, check with each company or agent which discounts you qualify for. Some of the discounts discussed earlier may not be available everywhere. If you would like to view companies with discount insurance rates, click here to view.

Mercedes-Benz GL-Class insurance premiums can be reduced

Many factors are used when you quote your car insurance policy. Some are obvious like your driving record, but other criteria are less apparent such as your marital status or how safe your car is.Consumers need to have an understanding of some of the factors that go into determining your premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that can help you get big savings.

Listed below are some of the most rate-impacting factors that factor into premiums.

• Drivers with responsible credit save – Credit score is a large factor in calculating your insurance rates. Therefore, if your credit history can be improved, you could be paying less to insure your 2016 Mercedes-Benz GL-Class by improving your credit score. Insureds with very high credit ratings tend to file fewer claims than drivers who have poor credit.
• Which gender costs less? – Statistics show women are more cautious behind the wheel. However, don’t assume that men are WORSE drivers than women. Males and females get in at-fault accidents at a similar rate, but the males tend to have higher claims. In addition to higher claims, males also get cited for more serious violations such as DWI and reckless driving.
• Is your vehicle theft-ready? – Owning a car with an alarm system can get you a discount on your insurance. Theft deterrent systems such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder auto theft.
• What are good liability limits? – Liability insurance will provide protection in the event that you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out if your insurance needs might need an agent’s assistance.

• Am I better off with higher deductibles on my 2016 Mercedes-Benz GL-Class?
• Am I covered if I crash into my own garage door?
• I have a DUI can I still get coverage?
• Am I covered if I break a side mirror?
• Is my dog or cat covered if injured in an accident?
• Does my car insurance cover rental cars?
• What are the financial responsibility laws in my state?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Is there deception in advertising?

Drivers can’t get away from ads that claim the cheapest premium rates by Progressive, Geico, Allstate and State Farm. All the ads have a common claim that you’ll save big if you change your policy.

How do they all make the same claim?

Most companies have a certain “appetite” for a prospective insured that is profitable for them. A good example of a driver they prefer could possibly be over the age of 50, has no driving citations, and drives newer vehicles. A propective insured that hits that “sweet spot” gets the lowest rates and therefore will save a lot of money.

Potential insureds who don’t meet the ideal profile will be quoted higher premium rates which usually ends up with business going elsewhere. The wording the ads use say “people that switch” not “everyone who quotes” will save that much if they switch. That is how companies can make claims like that.

Because of this risk profiling, drivers should compare price quotes frequently. You cannot predict the company that will provide you with the cheapest rates.

Insurance specifics

Knowing the specifics of insurance aids in choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Liability coverage

This coverage can cover damage that occurs to people or other property. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims such as loss of income, funeral expenses, pain and suffering, court costs and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Auto collision coverage

Collision coverage pays for damage to your GL-Class resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as rolling your car, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as nursing services, EMT expenses and rehabilitation expenses. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage

This provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2016 Mercedes-Benz GL-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hail damage, a tree branch falling on your vehicle and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Be a Smart Shopper

People leave their current company for many reasons like lack of trust in their agent, extreme rates for teen drivers, high rates after DUI convictions or denial of a claim. No matter why you want to switch, finding a great new company can be easy and end up saving you some money.

As you restructure your insurance plan, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured dropped comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage for the lowest price.

In this article, we covered some good ideas how you can get a better price on 2016 Mercedes-Benz GL-Class insurance. The key thing to remember is the more rate comparisons you have, the higher the chance of saving money. You may even discover the best premium rates are with some of the lesser-known companies.

Even more information is available by following these links:

• If I File a Claim will My Insurance Go Up? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Distracted Driving (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)