Mercedes Mercedes GL-Class Insurance Rates
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UPDATED: Dec 14, 2021
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Want lower car insurance rates? Drivers have lots of choices when trying to find the best price on Mercedes-Benz GL-Class insurance. You can either spend your time calling around trying to get quotes or save time using the internet to compare rates. There is a right way and a wrong way to find car insurance online and you need to know the proper way to compare rates on a Mercedes-Benz and locate the lowest possible price.
The best way to compare policy rates is to understand all the major auto insurance companies participate in online systems to quote your coverage. The only thing you need to do is provide details like how much you drive, how much education you have, whether you have decent credit, and if it has an anti-theft system. That information gets sent immediately to multiple car insurance providers and you get price estimates instantly.
Lower rates by qualifying for discounts
Companies that sell car insurance do not advertise all available discounts in a way that’s easy to find, so we break down some of the best known and the more hidden ways to save on insurance. If you aren’t receiving every discount you qualify for, you’re paying more than you need to.
- Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current expiration date. The savings is around 10%.
- Driver Safety – Taking a driver safety course could save 5% or more depending on where you live.
- Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Resident Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Military Rewards – Being deployed with a military unit may qualify for rate reductions.
- Multi-policy Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
- No Charge for an Accident – Certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
- More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy could earn a price break for each car.
- Homeowners Discount – Being a homeowner can save you money because of the fact that having a home is proof that your finances are in order.
A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, insurance companies aren’t that generous.
Car insurance companies who might offer some of the above discounts include:
- Farmers Insurance
- State Farm
Check with each insurance company which discounts you may be entitled to. Savings may not be available in every state.
Car insurance is unique, just like you
When buying the right insurance coverage, there really is not a perfect coverage plan. Every situation is different.
For instance, these questions might point out whether or not you may require specific advice.
- Does my personal policy cover me when driving out-of-state?
- Am I covered when driving someone else’s vehicle?
- Is my trailer covered?
- What is high-risk coverage and where do I buy it?
- Do I need motorclub coverage?
- Who is covered when they drive my 2009 Mercedes-Benz GL-Class?
- Am I missing any policy discounts?
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. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.
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Why your Mercedes-Benz GL-Class insurance rates may be high
An important part of buying insurance is that you know the rating factors that help determine the price you pay for insurance. When you know what positively or negatively influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.
The following are some of the factors that factor into rates.
- Rate your vehicle for proper use – The more miles you rack up on your Mercedes-Benz each year the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on their usage. Autos not used for work or commuting can get a lower rate than vehicles that are driven to work every day. Ask your agent if your insurance policy is rated on how each vehicle is driven, because it can save money. Incorrect usage on your GL-Class may be wasting your money.
- Special features that cut premiums – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your vehicle from being stolen.
- Policy add-ons can waste money – There are a ton of extra coverages that you can get tricked into buying on your 2009 GL-Class policy. Coverages for roadside assistance, accidental death and additional equipment coverage may be costing you every month. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.
- Bundling policies can get discounts – Some insurance companies provide better rates to people who carry more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, it’s in your best interest to comparison shop to verify if the discount is saving money.
- Males pay more for insurance – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. They both are in accidents at about the same rate, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Young males are most likely to cause an accident and therefore have the most expensive insurance rates.
- Older drivers pay less – More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teen drivers tend to be less responsible when driving and because of this, their insurance rates are much higher.
Save $404 a year. For real?
Drivers can’t ignore all the ads for car insurance savings from the likes of Progressive, Allstate and GEICO. They all make the same claim that you can save if you switch your coverage to them.
But how can every company say the same thing? This is how they do it.
Different companies are able to cherry pick for the type of customer that is profitable for them. A good example of a profitable customer could possibly be over the age of 40, has no driving citations, and has great credit. A customer that hits that “sweet spot” will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential insureds who do not match this ideal profile will have to pay higher premiums which leads to the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can advertise the way they do. Because of the profiling, it is so important to compare as many rates as you can. Because you never know the company that will have the lowest Mercedes-Benz GL-Class insurance rates.
The coverage is in the details
Knowing the specifics of your insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring.
Insurance for medical payments
Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, chiropractic care and doctor visits. They can be used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible
Comprehensive coverage (or Other than Collision)
This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like damage from getting keyed, theft and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Liability auto insurance
This protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.
It consists of three 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 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage protects against claims like emergency aid, court costs and bail bonds. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.
Collision coverage protection
Collision coverage covers damage to your GL-Class caused by collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as colliding with another moving vehicle, rolling your car, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Take this to the bank
We just showed you many ideas to lower your 2009 Mercedes-Benz GL-Class insurance rates. The key thing to remember is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the lowest rates come from an unexpected company.
Affordable insurance is definitely available online as well as from independent agents, and you should be comparing both to have the best selection. Some insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.
Drivers change insurance companies for many reasons like denial of a claim, questionable increases in premium, being labeled a high risk driver or even delays in paying claims. No matter why you want to switch, finding a new company can be easier than you think.
For more information, link through to the following helpful articles:
- Top Signs Your Brakes are Giving Out (State Farm)
- Neck Injury FAQ (iihs.org)
- Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
- Distracted Driving Statistics (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
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