View 2017 Mercedes-Benz GLA-Class Insurance Rates

Trying to find cheaper insurance for a Mercedes-Benz GLA-Class can normally be difficult, but you can learn the following methods to make it easier. There are both good and bad ways to buy car insurance and you need to know the quickest way to quote coverages on a Mercedes-Benz and get the lowest price either online or from local insurance agents.

What determines Mercedes-Benz GLA-Class insurance rates?

Lots of things are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, but other criteria are not as apparent like where you live and annual miles driven.An important part of buying insurance is that you know some of the factors that are used to determine your insurance coverage rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that could result in better insurance coverage rates.

  • Vehicle features that lower premiums – Choosing a vehicle with an alarm system can save you a little every year. Systems that thwart theives like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop auto theft and help lower rates.
  • Qualify for multi-policy discounts – Many insurance coverage companies apply better rates to buyers that have more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you already get this discount, drivers will still want to compare rates to ensure the best deal. It’s possible to still save even more than the discount even if you have your coverage with different companies
  • Pay more out-of-pocket – Physical damage protection, aka comp and collision, insures against damage to your Mercedes-Benz. Some examples of claims that would be covered could be colliding with a building, damage caused by hail, and burglary. Physical damage deductibles are how much you are willing to pay if a covered claim is submitted. The more money the insured is willing to pay, the lower your rates will be on GLA-Class coverage.
  • Reserve claims for larger damages – Car insurance companies provide the best rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is intended to be relied upon for claims that you cannot pay yourself.
  • Never have policy lapses – Having a lapse in insurance coverage can be a sure-fire way to trigger a rate increase. Not only will you pay more, the inability to provide proof of insurance might get you a revoked license or a big fine.

Compare insurance price quotes online

Cutting your insurance rates is pretty simple and can save money. You just have to take a couple of minutes to get quotes to find the company with inexpensive insurance coverage quotes. It is quite easy and can be accomplished using a couple different methods.

  1. One of the fastest ways to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This quick form eliminates the need for boring form submissions to each individual insurance company. One form gets prices estimates instantly. Just one form and you’re done.
  2. A less efficient way to find better pricing is going to each company website to request a price quote. For example, we’ll assume you want to compare prices for Progressive, State Farm and American Family. To get each rate you have to go to every website and type in your information over and over, which can be really labor intensive.

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

Compare rates however you want, just make darn sure you compare exactly the same quote information with each company. If you have mixed coverages then you won’t be able to determine the lowest rate for your Mercedes-Benz GLA-Class.

More affordable rates by taking advantage of discounts

Insurance coverage is expensive, but companies offer discounts that can dramatically reduce your bill. Some trigger automatically when you purchase, but some discounts are required to be specifically requested in order for you to get them.

  • Bundle and Save – If you combine your auto and home policies and insure them both with the same insurance company they may give you a discount of up to 20% and get you cheaper insurance coverage.
  • Memberships – Belonging to specific professional or occupational memberships or organizations could earn you a nice discount on your next renewal.
  • Military Deployment Discount – Being deployed in the military could qualify you for better insurance coverage rates.
  • Early Signing – Some insurance coverage companies give discounts for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Braking Control Discount – Cars that have anti-lock braking systems can stop better under adverse conditions and will save you 10% or more.
  • Multi-Vehicle Discounts – Drivers who insure multiple cars on a single policy could earn a price break for each car.
  • Discount for Life Insurance – Insurance coverage companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.

Remember that some of the credits will not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like adding up those discounts means a free policy, you’re out of luck.

The best insurance coverage companies and a partial list of their discounts are:

  • Geico offers discounts including anti-lock brakes, good student, federal employee, seat belt use, multi-policy, and daytime running lights.
  • MetLife may offer discounts for good driver, defensive driver, good student, accident-free, and multi-policy.
  • Progressive policyholders can earn discounts including multi-vehicle, online quote discount, good student, online signing, and continuous coverage.
  • Travelers includes discounts for early quote, save driver, multi-policy, IntelliDrive, and student away at school.
  • SAFECO may include discounts for accident prevention training, teen safety rewards, anti-theft, homeowner, and teen safe driver.
  • AAA offers premium reductions for anti-theft, multi-policy, multi-car, pay-in-full, good student, education and occupation, and AAA membership discount.

If you need lower rates, check with every company which discounts you qualify for. Savings may not apply to policyholders in your area. If you would like to view insurers who offer free insurance coverage quotes, click this link.

How much car insurance do I need?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation might need an agent’s assistance.

  • Do I need to file an SR-22 for a DUI in my state?
  • What discounts do I qualify for?
  • Should I have combined single limit or split liability limits?
  • What if I don’t agree with a claim settlement offer?
  • Is motorclub coverage worth it?
  • When should my teen driver be added to my policy?
  • Does coverage extend to a rental car in a foreign country?
  • Can I afford low physical damage deductibles?
  • Can my teen drive my company car?
  • How can I force my company to pay a claim?

If it’s difficult to answer those 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, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

What car insurance coverages do you need?

Learning about specific coverages of car insurance 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.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family as well as damage to your Mercedes-Benz GLA-Class.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like pain medications, surgery and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

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

Collision coverage protects against things such as rolling your car, colliding with a tree, scraping a guard rail, hitting a parking meter and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for liability – Liability coverage provides protection from damage that occurs to a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

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 limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims like bail bonds, repair costs for stationary objects, legal defense fees and court costs. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive or Other Than Collision – This 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 claims such as falling objects, hitting a deer, theft and fire damage. The maximum payout your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Quote more, save more

When getting insurance coverage quotes online, it’s very important that you do not buy less coverage just to save a little money. In many cases, an accident victim reduced liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at an affordable rate.

Lower-priced insurance coverage can be purchased online as well as from insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not offer online price quotes and many times these regional carriers work with independent insurance agents.

People change insurance companies for a number of reasons such as poor customer service, delays in paying claims, denial of a claim and even high prices. Whatever your reason, finding a new insurance coverage company is less work than it seems.

More detailed insurance coverage information can be found in the articles below: