Save on 2017 Mercedes-Benz GL-Class Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2024

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Looking for the cheapest insurance rates for your Mercedes-Benz GL-Class? Finding the cheapest insurance for a new or used Mercedes-Benz GL-Class could be a lot of work, but you can use these tips to find lower rates.

There is a better way to shop for insurance and we’ll show you the best way to price shop coverage for a Mercedes-Benz and locate the lowest price from local insurance agents and online providers.

Buying more affordable coverage can be fairly easy. If you are insured now or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Consumers only need to know the best way to compare rates on the web.

Get cheap insurance costs by understanding these factors

Multiple criteria are considered when premium rates are determined. A few of the factors are predictable like an MVR report, although others are more transparent like your continuous coverage or how safe your car is.

  • Vehicle options that lower auto insurance rates – Purchasing a vehicle with an alarm system can help lower your premiums. Anti-theft features like vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent vehicle theft.
  • Occupation impacts rates – Do you have a high-stress occupation? Careers like military personnel, executives and financial analysts generally pay the highest rates due to stressful work requirements and lots of time spent away from family. Other occupations such as professors, engineers and homemakers receive lower rates on GL-Class coverage.
  • Never let your auto insurance policy lapse – Having a gap between insurance policy dates can be a quick way to trigger a rate increase. In addition to paying higher rates, not being able to provide proof of insurance may result in a hefty fine and possibly a revoked license.
  • Driving citations increase rates – Your driving record impacts premiums far more than you think. Just one speeding ticket or other violation can boost insurance rates substantially. Drivers who don’t get tickets get better prices as compared to careless drivers. Drivers unfortunate enough to have serious violations like reckless driving, hit and run or driving under the influence might be required by their state to submit a SR-22 form with their state in order to legally drive.
  • Insurance is expensive for teen drivers – Beginning drivers tend to be inattentive when driving with friends so they pay higher auto insurance rates. Older insureds are more responsible, tend to cause fewer accidents and get fewer tickets.
  • More than one policy can earn a discount – Most major companies give discounts to customers who consolidate policies with them in the form of a multi-policy discount. This can amount to as much as ten percent or more Even though this discount sounds good, drivers will still want to shop around to verify if the discount is saving money. It’s possible to still find lower rates by buying insurance from more than one company.

Auto insurance quotes comparison

Comparing auto insurance rates is a ton of work if you don’t utilize the most efficient way to do it. You can waste hours discussing policy coverages with local insurance agents in your area, or you could use online quoting to get prices fast.

Most car insurance companies take part in a program that enables customers to submit their information once, and every company returns a rated price for coverage. This eliminates the need for quotation requests for each company.

To compare rates using this form now enter your zip code here.

The one downside to using this type of system is buyers cannot specifically choose which providers to get quotes from. So if you want to choose specific insurance companies to request quotes from, we put together a list of the cheapest auto insurance companies in your area. Click to enter zip code for insurance companies.

Whichever way you choose to compare rates, make sure you use exactly the same coverage limits and deductibles with every price quote. If each company quotes different data you will not be able to make a fair comparison for your Mercedes-Benz GL-Class.

The ad said I’d save $441 a year!

Consumers can’t get away from ads for insurance savings by State Farm, GEICO and Progressive. All the companies make the same claim that you can save just by moving your policy.

How is it possible that every company can make the same claim? It’s all in the numbers.

Most companies require specific criteria for the type of driver that earns them a profit. An example of a preferred risk may be a married male, has no driving citations, and drives less than 5,000 miles a year. A customer getting a price quote who fits those characteristics receive the lowest rate quotes and will cut their rates substantially.

Potential insureds who don’t meet these standards will get a higher premium which usually ends up with business going elsewhere. If you pay close attention to the ads, they say “drivers that switch” not “everyone that quotes” save that much when switching. That’s the way companies can truthfully lure you into getting a quote.

Because every company is different, you need to compare many company’s rates. Because without a comparison, you cannot know the company that will have the best prices at this point in time.

Discounts can really help lower premiums

Car insurance is not cheap, but there are discounts available that many people don’t even know exist. A few discounts will automatically apply when you get a quote, but a few need to be specially asked for before they will apply.

  • Discounts for Safe Drivers – Accident-free drivers could pay up to 40% less on GL-Class coverage than less cautious drivers.
  • Memberships – Being in a civic or occupational organization could trigger savings on auto insurance.
  • Auto/Home Discount – If you have multiple policies and insure them both with the same insurance company you may save at least 10% off all policies.
  • Buy New and Save – Putting auto insurance coverage on a new car is cheaper because new model year vehicles keep occupants safer.
  • Low Mileage Discounts – Low annual miles could earn lower rates due to less chance of an accident.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.
  • Theft Deterrent – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and will save you 10% or more.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, you aren’t that lucky.

A list of auto insurance companies and some of the discounts can be read below.

  • 21st Century may offer discounts for anti-lock brakes, defensive driver, early bird, driver training, and theft prevention.
  • State Farm has savings for defensive driving training, accident-free, good driver, driver’s education, good student, anti-theft, and multiple policy.
  • AAA offers discounts including anti-theft, good driver, good student, multi-car, multi-policy, education and occupation, and pay-in-full.
  • Liberty Mutual offers premium reductions for multi-policy, new move discount, newly married, good student, teen driver discount, new graduate, and multi-car.
  • Progressive has discounts for online quote discount, multi-policy, multi-vehicle, online signing, continuous coverage, good student, and homeowner.

If you need low cost insurance coverage quotes, ask every company which discounts you qualify for. Some credits may not apply to policyholders in your area. To locate insurers that offer the discounts shown above, enter your zip code here.

Will just any policy work for me?

When it comes to buying coverage, there really is no single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you will benefit from professional help.

  • Should I buy full coverage?
  • What is the rate difference between pleasure use and commuting?
  • How many claims can I have before being cancelled?
  • If my pet gets injured in an accident are they covered?
  • Do I need higher collision deductibles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my trailer covered?
  • How do I insure my teen driver?
  • What is medical payments coverage?
  • What are the financial responsibility laws in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. To find an agent in your area, simply complete your zip code. It’s fast, free and you can get the answers you need.

Auto insurance coverages explained

Understanding the coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

This pays for damage to your GL-Class resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like crashing into a building, crashing into a ditch, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a broken windshield, damage from getting keyed, hitting a deer and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability insurance will cover damage that occurs to a person or their property. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like bail bonds, legal defense fees, pain and suffering and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as much as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like X-ray expenses, funeral costs, dental work and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

In any little way, save everyday

Consumers leave their current company for a variety of reasons including denial of a claim, poor customer service, unfair underwriting practices and high prices. Regardless of your reason, finding a great new company is easier than you think.

Low-cost 2017 Mercedes-Benz GL-Class insurance is attainable from both online companies as well as from insurance agents, so you need to quote insurance coverage with both to get a complete price analysis. A few companies do not provide online rate quotes and most of the time these smaller companies provide coverage only through independent insurance agencies.

As you restructure your insurance plan, it’s very important that you do not buy poor coverage just to save money. There are too many instances where someone sacrificed collision coverage and discovered at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage for the lowest price, but do not skimp to save money.

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