2018 Mercedes-Benz GLS-Class Insurance Quotes – 8 Tips to Save

Trying to find better auto insurance rates for your Mercedes-Benz GLS-Class? Scraping up a payment for pricey Mercedes-Benz GLS-Class insurance can drain your monthly budget and make it hard to pay other bills. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.

Since drivers have many different company options, it can be challenging to pick a lower cost company.

Buying car insurance is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Although drivers must learn how the larger insurance companies compete online because it can help you find the best coverage.

Compare auto insurance quotes online

When shopping for affordable insurance coverage quotes, there are a couple of ways to compare rate quotes from many auto insurance companies in your state. The recommended way to find cheaper 2018 Mercedes-Benz GLS-Class rates consists of obtaining rate quotes online. This is very easy and can be done by using one of the methods below.

If you’re in a hurry, the quickest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for boring form submissions to each individual auto insurance company. A single, simple form compares rates from several companies.

A harder way to compare prices consists of visiting each company’s website and repeat the quote process again and again. For example, let’s assume you want rates from Geico, 21st Century and Liberty Mutual. 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 more popular.

For a list of links to companies insuring cars in your area, click here.

The last method to quote and compare insurance rates to different agent offices. Doing it all online makes this unnecessary unless you prefer the guidance that only an agent can give. Some companies do allow you to price shop your coverage online but buy from a local insurance agent.

It’s your choice how you get your quotes, but be sure you’re using apples-to-apples quote data for each comparison quote. If you enter differing limits then you won’t be able to make an equal comparison. Quoting even small variations in coverages may cause a big price difference. Just remember that having more price comparisons gives you a better chance of getting more affordable rates. Some insurance companies are not set up to provide prices over the internet, so it’s recommended that you also compare rates from the smaller companies as well.

Insurance discounts are available to lower your rates

Buying insurance is not cheap, but there may be some discounts that many consumers don’t even know exist. Some trigger automatically at the time you complete a quote, but a few must be requested specifically before being credited.

Policy Bundle Discount – If you insure your home and vehicles and place coverage with the same company you could save over 10 percent off each policy depending on the company.
Driver Safety – Participating in a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
Lower Rates for Military – Having a family member in the military may lower your premium rates slightly.
Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will save you 10% or more.
Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can get savings of 25 to 30%.
Multiple Vehicles – Buying insurance for primary and secondary vehicles with the same company could earn a price break for each car.
Driver Education Discount – Have your child sucessfully take a drivers education course in high school.

Discounts save money, but please remember that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

A few of the larger companies and the discounts they provide are:

Mercury Insurance offers discounts including ease of repair, good driver, anti-theft, annual mileage, low natural disaster claims, and accident-free.
Farmers Insurance has savings for homeowner, early shopping, business and professional, multi-car, youthful driver, switch companies, and good student.
Farm Bureau may include discounts for renewal discount, 55 and retired, youthful driver, multi-policy, and multi-vehicle.
State Farm includes discounts for multiple policy, anti-theft, accident-free, safe vehicle, good driver, defensive driving training, and passive restraint.
Allstate may offer discounts for auto/life discount, multi-policy, resident student, economy car, premier discount, and 55 and retired.
Geico has discounts for defensive driver, air bags, military active duty, seat belt use, multi-policy, emergency military deployment, and daytime running lights.

Before you buy a policy, ask each company which credits you are entitled to. A few discounts may not apply to policies in your area.

Everyone needs different insurance coverages

When buying coverage for your vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might point out whether or not you could use an agent’s help.

Will my insurance pay for OEM parts?
Can I get a multi-policy discount?
How can I get high-risk coverage after a DUI?
How high should deductibles be on a 2018 Mercedes-Benz GLS-Class?
Am I missing any policy discounts?
Is pleasure use cheaper than using my 2018 Mercedes-Benz GLS-Class to commute?
Does coverage extend to a rental car in a foreign country?
Why am I required to buy high-risk coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Car insurance coverage breakdown

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most car insurance policies.

Coverage for collisions

Collision insurance will pay to fix damage to your GLS-Class from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, colliding with another moving vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, theft and damage from flooding. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for liability

This can cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims such as medical services, medical expenses, emergency aid, attorney fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for things like surgery, prosthetic devices, EMT expenses and nursing services. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Online plus local equals savings

There are still a few companies who may not have rate quotes online small insurance companies work with local independent agents. Lower-priced car insurance is attainable from both online companies as well as from independent agents, so you should compare both in order to have the best price selection to choose from.

When trying to cut insurance costs, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, an accident victim reduced full coverage only to find out that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest price.

To learn more, link through to the articles below:

Distracted Driving Extends Beyond Texting (State Farm)
Choosing an Insurance Company (Insurance Information Insitute)
Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
Crash Avoidance Technologies FAQ (iihs.org)
Cellphones, Texting and Driving (iihs.org)