2016 Mercedes-Benz GL-Class Insurance Rates – 6 Savings Tips

Trying to find better car insurance rates for your Mercedes-Benz GL-Class? Searching for better insurance prices for a new or used Mercedes-Benz GL-Class can be an all-consuming task, but you can learn our car insurance buying tips to save time.

There are more efficient ways to buy car insurance so we’re going to tell you the proper way to get price quotes for your Mercedes-Benz and locate the cheapest rates from both online companies and local agents.

It’s smart to do rate comparisons every six months since insurance prices change frequently. Even if you think you had the best deal for GL-Class insurance a year ago there may be better deals available now. You’ll find a ton of advice on car insurance on the internet, but in a few minutes you can learn some good information on how to save money.

Where can I get cheap insurance coverage?

Cutting your insurance coverage rates doesn’t have to be difficult. Just spend a few minutes getting comparison quotes to find out which insurance company has cheaper insurance coverage quotes. It’s super easy and can be done by using one of the methods below.

  • One of the fastest ways to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This easy form eliminates the need for multiple quote forms for each price estimate. Just one form gets prices estimates from several companies. Recommended for those who want to invest the least amount of time.
  • A harder way to compare prices requires visiting each company website to complete their respective quote request forms. For examples sake, let’s say you want to compare USAA, 21st Century and State Farm. You would have to go to each individual site to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, be sure to compare the exact same coverage data for each comparison quote. If your comparisons have different coverage information it’s not possible to find the best deal for your Mercedes-Benz GL-Class.

Do you qualify for discount insurance?

Car insurance is not cheap, but you can get discounts to cut the cost considerably. Certain credits will be shown at the time you complete a quote, but a few must be asked about before they will apply.

  • Air Bag Discount – Factory options such as air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Clubs and Organizations – Affiliation with qualifying employment or professional organizations could trigger savings on your next insurance statement.
  • Life Insurance Discount – Some insurance companies give a discounted rate on car insurance if you buy life insurance.
  • ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Low Mileage Discounts – Maintaining low annual mileage can qualify you for slightly better prices than normal.
  • Distant College Student Discount – who attend college more than 100 miles from home and do not take a car to college can be insured at a reduced rate.

Consumers should know that some credits don’t apply to the entire policy premium. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, it just doesn’t work that way.

A few popular companies and the discounts they provide include:

  • Mercury Insurance may offer discounts for good driver, location of vehicle, annual mileage, anti-theft, ease of repair, professional/association, and type of vehicle.
  • Farmers Insurance offers premium reductions for business and professional, early shopping, switch companies, distant student, teen driver, good student, and youthful driver.
  • Farm Bureau discounts include safe driver, multi-policy, youthful driver, driver training, renewal discount, and 55 and retired.
  • State Farm has savings for Steer Clear safe driver discount, good driver, safe vehicle, Drive Safe & Save, and accident-free.
  • Allstate has discounts for good payer, passive restraint, premier plus, eSmart discount, new car, and FullPay discount.
  • GEICO may include discounts for military active duty, multi-policy, multi-vehicle, driver training, and anti-theft.

If you want low cost insurance coverage quotes, ask each company or agent what discounts are available to you. Savings may not be available in every state. If you would like to see a list of companies that can offer you the previously mentioned discounts, click here to view.

What insurance coverages do I need?

When buying the best car insurance coverage, there is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Does coverage extend to a rental car in a foreign country?
  • What is the difference between comprehensive and collision coverage?
  • What can I do if my company won’t pay a claim?
  • Is my teen driver covered when they drive my company car?
  • If my pet gets injured in an accident are they covered?
  • Should I bundle my homeowners policy with my auto?
  • Are there companies who specialize in insuring high-risk drivers?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered when driving in Canada or Mexico?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and you can get the answers you need.

Car insurance coverages for a 2016 Mercedes-Benz GL-Class

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Collision protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as rolling your car, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability insurance

Liability coverage can cover injuries or damage you cause to a person or their property. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like emergency aid, attorney fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, vandalism and a tree branch falling on your vehicle. The most a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like doctor visits, ambulance fees, surgery and X-ray expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. 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 carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these limits are similar to your liability insurance amounts.

Be Smart and Buy Smart

When getting insurance coverage quotes online, make sure you don’t buy less coverage just to save a little money. Too many times, an insured cut uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at a price you can afford.

Low-cost 2016 Mercedes-Benz GL-Class insurance is available both online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. Some insurance coverage companies may not provide price quotes online and usually these small, regional companies sell through independent agencies.

Consumers change insurance companies for many reasons like policy non-renewal, extreme rates for teen drivers, not issuing a premium refund or policy cancellation. Regardless of your reason for switching companies, switching companies is actually quite simple.

More tips and info about insurance coverage can be found by following these links: