Save on 2022 Mercedes-Benz GLA-Class Insurance Rates 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: May 26, 2024

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Trying to come up with a payment for expensive insurance can eat up your family’s budget and put a big crunch on your finances. Since people have many different company options, it’s difficult to choose the cheapest insurer.

You should take the time to do price comparisons at least once a year since prices fluctuate regularly. Just because you found the best price for GLA-Class coverage a couple years back there is a good chance you can find better rates now. Ignore everything you know about insurance because I’m going to teach you the only way to save on insurance.

Lower rate quotes by getting discounts

Insuring your vehicles can cost a lot, but there are discounts available to help offset the cost. Some discounts apply automatically when you get a quote, but some discounts are required to be manually applied prior to getting the savings.

  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts may be able to save a few bucks off the personal injury premium cost.
  • Distant Student – Youth drivers who are attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Senior Citizen Discount – If you’re over the age of 55, you could receive a small discount on rates for GLA-Class coverage.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education as it can save substantially.
  • Good Driver Discount – Accident-free drivers can save as much as half off their rates for GLA-Class coverage as compared to drivers with claims.
  • Telematics Devices – Insureds who allow their company to study driving habits by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system might get better premium rates if they are good drivers.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote when compared to bad drivers.
  • Homeowners Savings – Being a homeowner can get you a discount because of the fact that having a home is proof of financial responsibility.

Keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, that’s just not realistic.

Insurance companies that may offer quotes with these benefits possibly include:

  • American Family
  • Farm Bureau
  • State Farm
  • Travelers
  • The Hartford
  • Progressive

It’s a good idea to ask each company or agent which discounts they offer. Savings may not be available in every state. To locate insurance companies with discount rates, enter your zip code here.

Cheap car insurance rate quotes online

Reducing your 2022 Mercedes-Benz GLA-Class insurance rates isn’t really that difficult. Drivers just need to take a couple of minutes to get quotes to find. It is quite easy and can be accomplished using one of these methods.

  • If you’re in a hurry, the quickest way to get the best comparison quotes is an all-inclusive rate comparison. This method eliminates the need for separate quote forms to each individual car insurance company. One quote request will get you rate comparisons from multiple companies.
  • A slightly less efficient method to find more affordable insurance requires you to visit each company website to complete a price quote. For sake of this example, we’ll pretend you want comparison quotes from GEICO, Farmers and Allstate. To do that, you would have to go to each individual site to input your insurance information, and that explains why we recommend the first method.

The method you choose is up to you, but make sure you use the same quote data on every quote. If you are comparing different limits and deductibles on each one then you won’t be able to make an equal comparison.

Insurance rate influencing factors

Many different elements are part of the equation when you get a price on insurance. Some are pretty understandable like a motor vehicle report, but others are less obvious such as your marital status or your financial responsibility.

Listed below are some of the major factors used by your company to calculate rates.

  • City traffic equals higher rates – Residing in smaller towns and rural areas of the country can be a good thing when trying to find low car insurance rates. People who live in big cities regularly have congested traffic and much longer commute distances. Less people translates into fewer accident claims as well as less vandalism and auto theft.
  • Know your credit rating – Having a good credit history will be a significant factor in determining what you pay for auto insurance. Insureds that have high credit scores tend to file fewer claims as compared to drivers with bad credit. If your credit score could use some work, you could pay less to insure your 2022 Mercedes-Benz GLA-Class if you improve your credit rating.
  • Drive lots and pay more – The more miles you rack up on your Mercedes-Benz in a year the more you’ll pay to insure your vehicle. A lot of companies charge rates based upon how you use the vehicle. Cars that do not get driven very much get more affordable rates compared to those used for work or business. Improper usage on your GLA-Class may be costing you higher rates. Make sure your auto insurance coverage is rated on the right rating data.
  • Do you have enough liability? – The liability coverage on your policy will provide protection if ever you are ruled to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court to defend your case. Liability insurance is pretty cheap compared to other policy coverages, so do not cut corners here.

Your car insurance coverage should be tailored to you

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help you determine whether or not you would benefit from an agent’s advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Is my state a no-fault state?
  • Am I covered when pulling a rental trailer?
  • Will I lose any money if I cancel my policy before it expires?
  • How high should my medical payments coverage be?
  • Are there companies who specialize in insuring high-risk drivers?
  • Does my 2022 Mercedes-Benz GLA-Class qualify for pleasure use?
  • Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It is quick, free and can help protect your family.

The ad said I’d save $459 a year!

Drivers get pounded daily by advertisements that claim the lowest car insurance rates by companies like Progressive, GEICO, Allstate and State Farm. All the companies convey the message that you’ll save big just by switching your coverage.

How is it possible that every company can lower your car insurance rates? This is how they do it.

All the different companies quote their best rates for the right customer that is profitable for them. One example of this type of driver might be a mature driver, has few claims, and the vehicle is rated for pleasure use. Someone who fits that profile will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential customers who do not meet the “perfect” profile will have to pay higher rates which results in business not being written. Company advertisements say “drivers that switch” not “everyone that quotes” save that much money. That’s why insurance companies can make claims like that.

Because each company has a different risk profile, it is so important to do a quote comparison often. It’s just not possible to know which insurance companies will have the best rates at this point in time.

Car insurance coverages explained

Having a good grasp of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are typical coverages offered by car insurance companies.

Collision insurance

Collision insurance will pay to fix damage to your GLA-Class resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects, a tree branch falling on your vehicle and theft. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses such as chiropractic care, funeral costs, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This will cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as attorney fees, court costs, medical expenses, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz GLA-Class.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

In Summary

When searching for the cheapest car insurance quotes, you should never reduce needed coverages to save money. There are many occasions where someone dropped uninsured motorist or liability limits only to regret at claim time they didn’t have enough coverage. Your goal is to purchase plenty of coverage at the best price while not skimping on critical coverages.

The cheapest 2022 Mercedes-Benz GLA-Class insurance can be found online in addition to local insurance agencies, and you need to comparison shop both to have the best selection. Some insurance companies may not offer rates over the internet and these regional carriers only sell through independent agencies.

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