Cheaper 2016 Mercedes-Benz GLA-Class Car Insurance Quotes

Did you come to the realization that you have high-priced car insurance? Say no more because there are lots of residents who feel the same. Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every company and get the best coverage at the lowest rate possible.

If you have a current insurance policy or are shopping for new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Finding affordable coverage is not rocket science. Drivers only need to know the best way to get comparison rates online.

Get more affordable insurance premiums by understanding these factors

One of the most helpful ways to save on insurance is to to have a grasp of the different types of things that go into determining the price you pay for insurance. If you know what determines premiums, this enables you to make decisions that can earn you better insurance rates. Many different elements are part of the equation when you get a price on insurance. Most are fairly basic such as traffic violations, although others are less obvious such as whether you are married or how safe your car is.

  • Adjust coverage deductibles and save – Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Examples of covered claims are a broken windshield, flood damage, and damage from a fallen tree branch. Your deductibles state the amount of money you are required to pay if the claim is covered. The more you are required to pay out-of-pocket, the bigger discount you will receive on GLA-Class coverage.
  • Liability insurance limits are a factor – The liability coverage on your policy will provide protection if you are determined to be liable for damages from an accident. Liability insurance provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.
  • Your employer and insurance rates – Jobs such as judgespolice officers and stock brokers tend to pay higher rates than average due to intense work requirements and long work hours. Other occupations like professors, athletes and performers have lower than average premiums on GLA-Class coverage.
  • Use one insurance company and save – Many insurers apply a discount to buyers that have more than one policy such as combining an auto and homeowners policy. Discounts can be ten percent or more. Even if you’re getting this discount you still need to comparison shop to help ensure you have the lowest rates. You may still be able to save more without the discount by buying insurance from more than one company.
  • Mature drivers save more – Mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents and receive fewer citations.Young drivers are known to be inattentive when driving with friends so insurance rates are higher.

Get affordable car insurance with discounts

Companies offering auto insurance do not list all possible discounts in an easy-to-find place, so the list below contains some of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online. If you check and find you aren’t receiving every discount you qualify for, you are just wasting money.

  • Online Discount – A handful of insurance companies give back up to $50 for signing up online.
  • Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction on GLA-Class coverage with select insurance companies.
  • Life Insurance – Some insurance companies give a break if you buy life insurance.
  • Payment Discounts – If paying your policy premium upfront instead of paying each month you could save up to 5%.
  • Senior Citizen Rates – Seniors may qualify for reduced rates on GLA-Class coverage.
  • Discount for Good Grades – Excelling in school may save as much as 25% on a insurance quote. The good student discount can last up to age 25.
  • Renewal Discounts – Some larger companies give discounts for switching companies prior to your current policy expiration. This discount can save up to 10%.
  • Homeowners Discount – Owning your own home or condo may earn you a small savings since owning and maintaining a home is proof of financial responsibility.
  • More Vehicles More Savings – Purchasing coverage when you have all your vehicles with one company qualifies for this discount.

Discounts lower rates, but many deductions do not apply the the whole policy. Some only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all those discounts means the company will pay you, that’s just not realistic.

A list of companies and some of their more popular discounts include:

  • Progressive has discounts for continuous coverage, online signing, online quote discount, multi-vehicle, good student, and homeowner.
  • MetLife offers premium reductions for good student, accident-free, good driver, multi-policy, claim-free, defensive driver
  • Mercury Insurance has savings for professional/association, multi-car, ease of repair, age of vehicle, annual mileage, good student, and type of vehicle.
  • Nationwide may have discounts that include business or organization, easy pay, accident-free, good student, and Farm Bureau membership.
  • GEICO may offer discounts for driver training, seat belt use, daytime running lights, multi-vehicle, federal employee, and membership and employees.
  • AAA includes discounts for education and occupation, good student, anti-theft, pay-in-full, good driver, multi-policy, and AAA membership discount.

If you need lower rates, check with every prospective company how you can save money. Depending on the company, some discounts might not be offered everywhere. To find companies with the best car insurance discounts, follow this link.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions could help you determine whether or not you may require specific advice.

  • Am I insured when driving a different vehicle?
  • How much liability insurance is required?
  • I have a DUI can I still get coverage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I wreck a rental car?
  • Do I have coverage if my license is suspended?
  • Am I covered when driving in Canada or Mexico?
  • How much can I save by bundling my policies?
  • Why do I only qualify for high-risk insurance?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can provide invaluable advice.

Auto insurance 101

Learning about specific coverages of a auto insurance policy aids in choosing which coverages you need and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. These are the usual coverages found on most auto insurance policies.

Auto collision coverage

This pays for damage to your GLA-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 insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Liability coverages

This coverage can cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as repair costs for stationary objects, structural damage, emergency aid, loss of income and bail bonds. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for rehabilitation expenses, prosthetic devices, pain medications, surgery and doctor visits. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Mercedes-Benz GLA-Class.

Because many people only purchase the least amount of liability that is required, 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. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, hitting a bird and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Don’t break the bank

You just read quite a bit of information on how to lower your 2016 Mercedes-Benz GLA-Class insurance premium rates. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with some of the lesser-known companies. Some small companies may have significantly lower prices on certain market segments than the large multi-state companies such as State Farm or Progressive.

Lower-priced insurance coverage can be sourced online and with local insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who don’t offer online quoting and these regional insurance providers provide coverage only through independent agents.

As you go through the steps to switch your coverage, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone dropped liability limits or collision coverage and learned later that the few dollars in savings costed them thousands. The aim is to purchase a proper amount of coverage at the best cost while not skimping on critical coverages.

For more information, link through to the resources below:

Comments About 2016 Mercedes-Benz GLA-Class Insurance

  1. Gordon Snyder

    I’m just south of Memphis, Tennessee. Not sure of all the companies but I ended up saving about $40 each month. Insured with American Family before. Wish I didn’t have to insure at all.

  2. Kathlyn Bass

    Just a quick comment on my experience. Quoted with State Farm for my GLA-Class and cut my rates about $530 a year. Got better coverage too.

  3. Aura Kinney

    GEICO and Allstate had the best prices I found in Hawaii.

  4. Alane Johnston

    Nice info. Checking in from Henderson, NV. I got free prices from Allstate, Esurance, and Hartford for my 2016 Mercedes-Benz GLA-Class and saved $227 a year. I increased coverages a little too.

  5. Malvina Whitney

    Anyone compare GEICO and Allstate rates in Norfolk, Virginia?

  6. Dierdre Melendez

    Does Allstate have good customer service?

  7. Daryl Jefferson

    I got a good deal I think. I’m just east of Hartford, CT. Got quotes from Safeco, Eastwood, Progressive, and Amica for my 2016 Mercedes-Benz GLA-Class and saved just over $210 a year.

  8. Linsey Bates

    Not sure if this is cheap. I’m in the east part of Honolulu, HI. Received prices from American Family, Sentry, and a few others for my GLA-Class and saved just over $440 a year. Insured with Hanover before. Have a couple speeding tickets too.

  9. Delphia Strong

    From Rochester, New York. Don’t remember every company but I ended up saving about $50 each month. Insured with Amica before.

  10. Iraida Franklin

    I compared a lot of rate quotes for a 2016 Mercedes-Benz GLA-Class in Springfield, MA. Ended up at roughly $580 every six months with AIG Insurance. Insured with Sentry before. Have an at-fault accident tho.

  11. Thora Hays

    Does 21st Century insure at replacement cost?

  12. Jesusita Hubbard

    Will State Farm be cheaper if I raise deductibles?

  13. Britney Shields

    I’m in Manchester, NH. Don’t remember every company but I ended up saving about $60 each month. Get lots of quotes to find the best rate.

  14. Danyelle Bass

    Just my two cents. I live in Bridgeport, CT. Got car insurance prices from Western Auto Insurance, Amica, The General, and Mercury for my GLA-Class and I’m now saving $51 a month. Left Travelers to switch.