How Much Does 2015 Mercedes-Benz GL-Class Car Insurance Cost?

Having to pay for pricey Mercedes-Benz GL-Class insurance can take a big chunk out of your monthly budget and force you to prioritize other expenses. Doing a rate comparison is an excellent way to lower your bills every month.

There are many insurers to purchase coverage from, and though it is a good thing to have a choice, so many choices can make it hard to locate the cheapest rates.

Finding the best rates is not rocket science. If you have a policy now or are looking for a new policy, you can follow these tips to find the best rates and still get good coverage. Consumers just need to understand the proper methods to get comparison quotes online.

The easiest way to get policy rate comparisons is to know the trick most larger insurance companies will pay a fee to give rate comparisons. The only thing you need to do is give them some information such as if you require a SR-22, whether the vehicles are used for commuting, what your job is, and the ages of drivers. Your details is instantly sent to all major companies and they return rate quotes with very little delay.

To start a quote now, click here and see if a lower rate is available.

Advertising myths

Consumers can’t get away from all the ads for the lowest price auto insurance by companies like Allstate and Progressive. All the companies try to convey promises that drivers will save a bundle if you change your coverage to them.

How does every company cost less than your current company? Here is how they do it.

Many companies look for specific characteristics for the type of insured that will generate a profit. For instance, a profitable customer might have to be between the ages of 30 and 45, owns a home, and insures a new vehicle. A customer getting a price quote who fits those characteristics will get low rates and will save a lot of money.

Drivers who are not a match for these standards will get higher rates and ends up with the customer buying from someone else. If you listen to the ad wording, they say “drivers who switch” not “everybody who quotes” will save that much if they switch. That is how companies can make those claims. This really illustrates why you need to compare many company’s car insurance rates. Because without a comparison, you cannot know which company will have the lowest rates for your situation.

Affordable auto insurance quotes with discounts

Car insurance can cost a lot, but you can get discounts to help offset the cost. A few discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked for in order for you to get them. If you aren’t receiving every discount available, you could be saving more on your auto insurance.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings as much as 30%.
  • No Charge for an Accident – This one is not really a discount per se, but companies like Geico, State Farm, and Progressive allow you one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
  • Resident Student – Older children who are attending college and leave their car at home could qualify for this discount.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS braking systems or traction control are safer to drive so companies give up to a 10% discount.
  • Military Discounts – Being on active deployment in the military may qualify for rate reductions.
  • Homeowners Discount – Owning a home may earn you a small savings since owning and maintaining a home means you have a higher level of financial diligence.
  • Seat Belt Discounts – Buckling up and requiring all passengers to fasten their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Onboard Data Collection – Drivers that enable driving data collection to look at driving manner remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease if they are good drivers.
  • Life Insurance – Companies who offer life insurance give a lower rate if you buy some life insurance in addition to your auto policy.
  • Multiple Policy Discount – When you combine your home and auto insurance with one company you could earn a discount of 10% to 20% off each policy.

Discounts lower rates, but most discount credits are not given to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way.

Larger auto insurance companies and their possible discounts are shown below.

  • Progressive may include discounts for online quote discount, continuous coverage, multi-vehicle, online signing, multi-policy, and homeowner.
  • SAFECO may offer discounts for bundle discounts, safe driver, accident prevention training, anti-lock brakes, anti-theft, drive less, and homeowner.
  • American Family offers discounts for early bird, multi-vehicle, good student, TimeAway discount, defensive driver, bundled insurance, and good driver.
  • MetLife offers discounts including claim-free, accident-free, good student, multi-policy, and good driver.
  • Geico may have discounts that include multi-vehicle, emergency military deployment, defensive driver, anti-theft, and federal employee.
  • The Hartford discounts include anti-theft, driver training, air bag, good student, bundle, vehicle fuel type, and defensive driver.

When comparing rates, check with each company or agent which discounts they offer. Savings may not be available in your area. To find auto insurance companies that offer multiple discounts, click this link.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique so this has to be addressed. For example, these questions can help discover whether or not you may require specific advice.

  • Is rental equipment covered for theft or damage?
  • Do I need roadside assistance coverage?
  • Is my teen driver covered when they drive my company car?
  • Can my teen driver be rated on a liability-only vehicle?
  • What happens if I owe more than my 2015 Mercedes-Benz GL-Class is worth?
  • What is covered by UM/UIM coverage?
  • Do I need higher collision deductibles?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Car insurance coverage information

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz GL-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things such as court costs, repair bills for other people’s vehicles, funeral expenses, emergency aid and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, hitting a deer, hail damage and falling objects. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for surgery, funeral costs and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision protection

This pays for damage to your GL-Class resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sideswiping another vehicle, sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

A fool and his money are soon parted

A few companies do not offer price quotes online regional insurance providers only sell coverage through independent agencies. Affordable 2015 Mercedes-Benz GL-Class insurance is attainable online and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture.

As you go through the steps to switch your coverage, do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at a price you can afford and still be able to protect your assets.

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