Cheap 2014 Mercedes-Benz GL-Class Insurance Quotes

Looking for lower insurance rates? Shoppers have many options when shopping for affordable Mercedes-Benz GL-Class insurance. They can either waste time calling around to get rate comparisons or utilize the internet to make rate comparisons.

There are more efficient ways to shop for insurance and we’ll show you the proper way to compare rates for a new or used Mercedes-Benz and obtain the best price possible from both online companies and local agents.

It’s a great practice to compare premium rates quite often because insurance rates change regularly. Even if you think you had the best deal on GL-Class coverage two years ago there is a good chance you can find better prices now. Forget anything you know (or think you know) about insurance because you’re about to learn the easiest way to properly buy coverages while reducing your premium.

The fastest way that we advise to get rate comparisons is to understand all the major auto insurance companies participate in a system to give free rates quotes. To begin a comparison, all you need to do is provide information like your occupation, any included safety features, if you require a SR-22, and how much coverage you want. The rating information is instantly provided to multiple companies and they return quotes within a short period of time.

To compare rates for your Mercedes-Benz GL-Class now, click here and enter your zip code.

Drivers who switch save $495 a year? Really?

Consumers constantly see and hear ads for car insurance savings from the likes of Progressive, Allstate and Geico. All the ads have a common claim about how much you will save just by switching to their company.

How does each company make the same claim? It’s all in the words they use.

Most companies look for specific characteristics for the type of driver that earns them the highest profit. An example of a desirable risk could possibly be over the age of 40, carries high limits, and drives a vehicle with a low ISO rating. Any customer who matches those parameters will qualify for the lowest rates and is almost guaranteed to save some money.

Insureds who cannot meet these criteria may receive a higher rate with the end result being the prospect going elsewhere. Company advertisements say “customers that switch” not “everyone who quotes” save that much when switching. That is how companies can truthfully lure you into getting a quote.

Different companies use different criteria so drivers should compare rate quotes every year. It’s not possible to predict the company that will fit your personal profile best.

Get cheap rates with discounts

Car insurance can cost a lot, but there could be available discounts that many consumers don’t even know exist. Certain credits will be shown at the time of purchase, but a few must be requested specifically prior to getting the savings.

  • Federal Employees – Employees or retirees of the government could cut as much as 10% off on GL-Class coverage with a few car insurance companies.
  • Student Discounts – This discount can be rewarded with saving of up to 25%. You can use this discount normally up to age 25.
  • Discounts for Multiple Vehicles – Buying insurance for several vehicles on the same car insurance policy qualifies for this discount.
  • No Accidents – Drivers who don’t have accidents can earn big discounts in comparison to frequent claim filers.
  • Multi-policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you will save at least 10% off all policies.
  • Data Collection Discounts – People who choose to allow their car insurance company to spy on when and where they use their vehicle by using a telematics device in their vehicle like Allstate’s Drivewise may see discounts if they are good drivers.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies allow you one accident without raising rates if you have no claims for a certain period of time.
  • Early Switch Discount – A few car insurance companies allow discounts for renewing your policy before your current policy expires. The savings is around 10%.
  • Sign Online – Some larger companies give back up to $50 get insurance online.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.

Just know that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you aren’t that lucky.

Companies that may offer most of these discounts include:

When comparing rates, check with every prospective company the best way to save money. Some credits may not be offered in your area. To choose car insurance companies with discount car insurance rates, click here to view.

What is the best insurance coverage coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you would benefit from an agent’s advice.

  • Are all vehicle passengers covered by medical payments coverage?
  • Am I covered when driving a rental car?
  • What is PIP insurance?
  • Why am I required to buy liability insurance?
  • Does car insurance cover theft of personal property?
  • Should I bundle my homeowners policy with my auto?
  • Does my personal policy cover me when driving out-of-state?
  • Are split liability limits better than a combined single limit?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverage options for a 2014 Mercedes-Benz GL-Class

Understanding the coverages of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, hitting a bird and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like doctor visits, prosthetic devices, funeral costs and pain medications. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision – Collision coverage will pay to fix damage to your GL-Class resulting from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, rolling your car, scraping a guard rail and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Liability insurance – Liability insurance provides protection from damage or injury you incur to a person or their property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as attorney fees, repair bills for other people’s vehicles, loss of income, repair costs for stationary objects and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Make an honest buck

When shopping online for insurance coverage, you should never buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret that it was a big mistake. The goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

Consumers leave their current company for any number of reasons including unfair underwriting practices, not issuing a premium refund, high rates after DUI convictions and policy cancellation. No matter why you want to switch, finding a new company is actually quite simple.

We just showed you some good ideas how to get a better price on 2014 Mercedes-Benz GL-Class insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding inexpensive insurance. You may even discover the lowest priced insurance coverage comes from a smaller regional carrier.

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