Cheaper 2013 Mercedes-Benz GL-Class Insurance Cost

Want better insurance rates for your Mercedes-Benz GL-Class? Being forced to pay for expensive insurance premiums can deplete your bank account and make it impossible to make ends meet. Price shopping at each renewal is a smart way to slash your bill and have more diposable income.

Big companies like State Farm, Farmers Insurance, Geico and Allstate continually hit you with TV and radio ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

Smart consumers take time to take a look at other company’s rates yearly since insurance prices change regularly. Just because you found the lowest quotes for GL-Class insurance two years ago the chances are good that you can find a lower rate today. There is a lot of bad advice regarding insurance online but I’m going to show you the easiest ways to stop overpaying for insurance.

More discounts mean cheaper premiums

Auto insurance is expensive, but there may be some discounts that you may not know about. A few discounts will automatically apply at quote time, but less common discounts must be asked for prior to getting the savings.

  • Passenger Safety Discount – Options like air bags or automatic seat belts could see savings of 20% or more.
  • No Accidents – Drivers who stay claim-free pay much less in comparison to drivers who are more careless.
  • Early Renewal Discounts – Select insurance companies give a discount for signing up prior to your current policy expiring. You could save around 10% when you buy insurance online.
  • Multi-line Discount – Insurance companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
  • Senior Discount – Mature drivers could receive reduced rates for GL-Class insurance.
  • Safe Driver Discounts – Insureds without accidents can save up to 40% or more on their insurance quote for GL-Class insurance than drivers with accidents.
  • Theft Prevention Discount – Cars and trucks optioned with advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Defensive Driver – Passing a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Distant Student Discount – Children living away from home attending college and do not take a car to college could get you a discount.
  • Buy New and Save – Putting insurance coverage on a new car can be considerably cheaper since newer vehicles are generally safer.

One last thing about discounts, many deductions do not apply to your bottom line cost. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will definitely lower the amount you pay for coverage.

Large auto insurance companies and their possible discounts are included below.

  • 21st Century includes discounts for good student, early bird, teen driver, homeowners, theft prevention, and automatic seat belts.
  • State Farm offers discounts including good driver, good student, multiple autos, anti-theft, multiple policy, Steer Clear safe driver discount, and passive restraint.
  • AAA may offer discounts for AAA membership discount, education and occupation, good student, multi-car, and multi-policy.
  • Liberty Mutual offers discounts for multi-car, multi-policy, new move discount, good student, new graduate, newly married, and new vehicle discount.
  • Progressive may have discounts that include online quote discount, good student, homeowner, multi-policy, continuous coverage, online signing, and multi-vehicle.

Before purchasing a policy, check with all companies you are considering which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in your state. If you would like to view insurance companies that can offer you the previously mentioned discounts, click this link.

The easiest way to compare policy rates is to know the fact car insurance companies participate in a system to quote your coverage. The one thing you need to do is spend a couple of minutes providing details including how old drivers are, an estimate of your credit level, if a SR-22 is needed, and how much coverage you want. That rating information is automatically sent to insurance companies and you will get price comparisons very quickly.

Smart consumers save on insurance

An important part of buying insurance is that you know the factors that go into determining insurance rates. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that may result in lower rates.

  • Drive less and save – Driving more miles every year the higher the price you pay to insure it. Most insurance companies charge to insure your cars partially by how you use the vehicle. Vehicles that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your insurance policy is showing annual mileage, because improper ratings can cost you money. Improper usage on your GL-Class can cost quite a bit.
  • Prevent insurance lapses – Letting your insurance expire will be a fast way to bump up your insurance costs. In addition to paying higher premiums, failure to provide proof of insurance will get you a license revocation or jail time. You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Teenagers are high risk – Older people are more responsible, tend to file fewer claims and get fewer tickets.Inexperience drivers have been known to be inattentive and easily distracted when driving with friends therefore insurance rates are much higher.
  • Men pay higher rates – Over the last 30 years, statistics show that females take fewer risks when driving. That doesn’t necessarily mean that women are BETTER drivers than men. Males and females have auto accidents in similar numbers, but the men tend to have more serious accidents. In addition to higher claims, males also get more serious tickets like driving under the influence (DUI). Young males are most likely to cause an accident so it costs more to insure them.
  • Eliminate unneeded extra policy coverages – Insurance policies have a lot of add-on coverages that you can get tricked into buying on your 2013 GL-Class policy. Insurance for roadside assistance, accident forgiveness, and term life insurance could be just wasting money. These may sound like a good investment initially, but now you might not need them so consider taking them off your policy.

It’s not one size fits all

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight if you will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • I don’t drive much so do I pay less?
  • What can I do if my company denied a claim?
  • When do I need to add a new car to my policy?
  • Do I need more liability coverage?
  • What if I don’t agree with a claim settlement offer?
  • Can I afford to buy a different vehicle if my 2013 Mercedes-Benz GL-Class is totaled?
  • I have health insurance so do I need medical payments coverage?
  • Is a fancy paint job covered?
  • How many claims can I have before being cancelled?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages available from insurance companies.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz GL-Class.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for short-term medical expenses such as prosthetic devices, pain medications, hospital visits and ambulance fees. They can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Auto liability – This protects you from damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things like bail bonds, structural damage, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, hitting a deer, a broken windshield and damage from getting keyed. The most a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your GL-Class caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a building, hitting a parking meter, colliding with a tree, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

In conclusion

When searching for cheaper insurance quotes, don’t be tempted to buy less coverage just to save a little money. In many instances, drivers have reduced full coverage only to find out they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at the lowest possible cost, but don’t skip important coverages to save money.

The cheapest 2013 Mercedes-Benz GL-Class insurance is definitely available on the web in addition to local insurance agencies, so get free insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not offer internet price quotes and most of the time these smaller providers work with independent agents.

In this article, we presented many tips how you can shop for 2013 Mercedes-Benz GL-Class insurance online. The key concept to understand is the more price quotes you have, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

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