2020 Mercedes-Benz GLE-Class Insurance Quotes in 2024 – 6 Ideas for Cheapest Rates

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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: Apr 21, 2024

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There isn’t anyone who likes having to buy insurance, especially when they could find lower prices if they just compared rates. Vehicle owners have so many auto insurance companies to choose from, and although it’s a good thing to have multiple companies, it can be more difficult to compare rates.

You should make it a habit to do rate comparisons on a regular basis because prices are rarely the same from one policy term to another. Just because you had the best deal on GLE-Class coverage two years ago the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the quickest way to reduce your cost while improving coverage.

Find hidden discounts to get affordable auto insurance rates

Companies that sell car insurance don’t list the entire discount list in an easy-to-find place, so the list below contains some of the best known and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online.

  • Discounts for Federal Employees – Simply working for the federal government may reduce rates when you quote insurance coverage on GLE-Class coverage but check with your company.
  • Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
  • Memberships – Belonging to a qualifying organization could earn you a nice discount on your policy.
  • Good Driver Discount – Safe drivers can save up to 40% or more on their insurance coverage quote on GLE-Class coverage compared to rates paid by drivers with frequent claims.
  • Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Homeowners Pay Less – Just owning your own home may earn you a small savings since owning and maintaining a home is proof of financial responsibility.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears adding up those discounts means a free policy, companies don’t profit that way.

A few popular companies and their offered discounts are shown below.

  • GEICO has discounts for federal employee, daytime running lights, five-year accident-free, driver training, good student, and military active duty.
  • SAFECO may offer discounts for accident prevention training, bundle discounts, teen safety rewards, homeowner, and anti-lock brakes.
  • State Farm offers premium reductions for anti-theft, multiple autos, driver’s education, accident-free, good driver, multiple policy, and good student.
  • MetLife may have discounts that include accident-free, multi-policy, good driver, claim-free, good student, defensive driver
  • 21st Century may include discounts for theft prevention, 55 and older, student driver, defensive driver, anti-lock brakes, and teen driver.
  • Progressive includes discounts for multi-vehicle, online signing, homeowner, good student, online quote discount, multi-policy, and continuous coverage.

When getting free insurance coverage quotes, it’s a good idea to all companies you are considering which discounts you may be entitled to. A few discounts may not apply to policyholders in every state. For a list of insurers who offer online auto insurance quotes, enter your zip code here.

Tailor your insurance coverage coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions may help you determine whether you may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Should I have combined single limit or split liability limits?
  • Can I get a multi-policy discount?
  • Will my insurance pay for OEM parts?
  • What are the best liability limits?
  • What is the minimum liability in my state?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete your zip code. It is quick, free and you can get the answers you need.

Parts of your insurance policy

Knowing the specifics of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages offered by insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for EMT expenses, nursing services and rehabilitation expenses. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability auto insurance

This provides protection from damages or injuries you inflict on people or other property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, pain and suffering and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Collision insurance

This covers damage to your GLE-Class resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, rolling your car, backing into a parked car, colliding with another moving vehicle 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. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz GLE-Class.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a deer, vandalism, damage from a tornado or hurricane, theft and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Save your cold hard cash

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There are too many instances where someone sacrificed physical damage coverage and learned later that the savings was not a smart move. The aim is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

Budget-friendly insurance coverage is attainable from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance coverage companies may not offer price quotes online and usually these small insurance companies sell through local independent agents.

In this article, we covered many ideas to reduce 2020 Mercedes-Benz GLE-Class insurance prices online. It’s most important to understand that the more rate quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest priced insurance coverage comes from an unexpected company. These companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, GEICO and Nationwide.

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