How Much Does 2017 Mercedes-Benz GLS-Class Insurance Cost?

Are you tired of robbing Peter to pay Paul to pay auto insurance each month? Your situation is no different than most other vehicle owners. Popular companies such as Geico, 21st Century and Progressive all claim big savings with ad campaigns and it can be hard to ignore the promise of big savings and take the time to shop coverage around.

It’s a great practice to do rate comparisons once or twice a year because insurance prices change regularly. Just because you had the lowest rate on GLS-Class coverage six months ago there is a good chance you can find better premium rates now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to one of the best ways to eliminate unnecessary coverages and save money.

Learn how to lower your insurance premiums

Many different elements are part of the equation when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, although some other factors are not as apparent like where you live or your commute time.

Shown below are a few of the things used by companies to determine your premiums.

  • Drive less and save – The more you drive your Mercedes-Benz in a year the more it will cost to insure it. Most companies apply a rate partially by how you use the vehicle. Vehicles not used for work or commuting cost less to insure compared to those used for work or business. It’s always a good idea to double check that your declarations sheet is showing the right rating data. A policy that improperly rates your GLS-Class may be costing you higher rates.
  • Get hitched and get cheaper rates – Getting married actually saves money on insurance coverage. It generally demonstrates drivers are more stable financially and statistics prove married drivers tend to file fewer claims.
  • Driving citations hurt – Having just one moving violation can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Drivers who have gotten license-revoking citations such as DUI or reckless driving might be required by their state to submit a SR-22 form with their state motor vehicle department in order to legally drive.
  • Discounts for auto and home policies – Some insurers give a discount for people who consolidate policies with them such as combining an auto and homeowners policy. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.
  • Policy add-ons may not be needed – There are a ton of extra bells and whistles that you can get tricked into buying when buying insurance coverage. Insurance for things like roadside assistance, towing coverage, and membership fees may be costing you every month. They may seem like a good idea at first, but if you’ve never needed them in the past remove them and pocket the money.
  • Limits of liability insurance – The liability section of your policy will protect you when a jury decides you are liable for physical damage or personal injury to other. Your liability coverage provides legal defense which can be incredibly expensive. This coverage is very inexpensive when compared with rates for comp and collision, so do not cut corners here.
  • Your address can push rates up or down – Residing in a rural area can be a good thing when buying insurance coverage. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. The longer drive time can result in more accidents.
  • Deter vehicle theft – Buying a car that has an advanced theft prevention system can earn a premium discount. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.

How to get free insurance quotes online

Getting a cheaper price on 2017 Mercedes-Benz GLS-Class insurance is an easy way to save money. Drivers just need to spend a little time to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished using one of these methods.

  1. If you are pressed for time, the simplest way to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This type of form prevents you from having to do separate quotation requests to each individual insurance company. In just a few minutes this one form gets insurance cost estimates instantly.
  2. A more time consuming way to find more affordable insurance consists of visiting the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want to compare rates from USAA, Geico and American Family. You would need to go to every website and enter your policy data, which can get old fast.

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

Whichever method you choose, do your best to enter the same coverages with each company. If you are comparing unequal deductibles or liability limits you will not be able to truly determine the lowest rate.

Get lower rates with discounts

Some insurers do not list all disounts in a way that’s easy to find, so the list below contains some of the more common and also the more inconspicuous discounts that you can inquire about if you buy car insurance online.

  • Switch and Save Discount – A few car insurance companies give discounts for signing up before your current coverage expires. This can save 10% or more.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
  • Discounts for Government Workers – Employees or retirees of the government could cut as much as 10% off on GLS-Class coverage with select insurance companies.
  • Active Military Service – Being deployed with a military unit can result in better premium rates.
  • Drivers Education – Cut your cost by having your teen driver take driver’s ed class in high school.
  • Telematics Data Discounts – Policyholders that allow driving data collection to analyze when and where they use their vehicle by using a telematics device like Drivewise from Allstate or In-Drive from State Farm might get better premium rates if they exhibit good driving behavior.
  • No Claims – Insureds with no claims or accidents can earn big discounts when compared to drivers who are more careless.
  • Multiple Vehicles – Insuring multiple vehicles with one company can get a discount on all vehicles.

Please keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as comp or med pay. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any qualifying discounts will reduce the amount you pay for coverage.

A few companies that may offer quotes with most of the discounts above include:

Double check with each company which discounts you may be entitled to. Some credits may not apply to policyholders in your area.

What is the best car insurance coverage?

When it comes to choosing the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine if you could use an agent’s help.

  • When would I need rental car insurance?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I make deliveries for my home business?
  • Do I get a pro-rated refund if I cancel my policy early?
  • How do I file an SR-22 for a DUI in my state?
  • Am I missing any policy discounts?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of a car insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on the average car insurance policy.

Comprehensive car insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like vandalism, damage from flooding and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things such as funeral expenses, repair bills for other people’s vehicles and medical expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Collision insurance

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, backing into a parked car, crashing into a ditch, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for short-term medical expenses for ambulance fees, dental work and prosthetic devices. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz GLS-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

One last thing

When buying insurance coverage, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many instances, an insured dropped full coverage only to discover later that it was a big mistake. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

You just learned many ways to get a better price on 2017 Mercedes-Benz GLS-Class insurance. It’s most important to understand that the more companies you get premium rates for, the better your chances of lowering your premium rates. Consumers may even find the lowest priced auto insurance comes from the least-expected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

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