Compare 2011 Mercedes-Benz GL-Class Car Insurance Cost

Having to pay for high-priced Mercedes-Benz GL-Class insurance can eat up your bank account and require stricter spending habits.

People have many insurance companies to insure vehicles with, and although it’s nice to have a choice, it makes it harder to find the lowest rates.

It’s a good idea to do rate comparisons yearly because auto insurance prices change quite often. Even if you got the lowest price for GL-Class coverage a year ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn the best way to eliminate unnecessary coverages and save money.

More affordable rates with discounts

Some providers don’t always advertise every discount they offer very clearly, so we took the time to find a few of the more common and the more hidden credits that you can use to lower your rates.

• Service Members Pay Less – Being on active deployment in the military could be rewarded with lower prices.
• Claim-Free Discount – Drivers with accident-free driving histories can earn big discounts when compared with frequent claim filers.
• Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts can save up to 15% on medical payment and PIP coverage.
• Payment Method – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.

Drivers should understand that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

A few of the larger companies and their offered discounts can be found below.

• State Farm offers discounts including accident-free, Steer Clear safe driver discount, multiple autos, defensive driving training, safe vehicle, multiple policy, and good driver.
• Geico may have discounts that include federal employee, five-year accident-free, defensive driver, driver training, multi-policy, seat belt use, and military active duty.
• Progressive has savings for multi-vehicle, continuous coverage, multi-policy, online signing, online quote discount, homeowner, and good student.
• 21st Century has discounts for good student, automatic seat belts, 55 and older, early bird, and student driver.
• American Family may include discounts for early bird, defensive driver, multi-vehicle, good driver, TimeAway discount, and good student.
• The Hartford may offer discounts for good student, driver training, anti-theft, bundle, and air bag.
• AAA includes discounts for education and occupation, AAA membership discount, good driver, pay-in-full, multi-policy, good student, and anti-theft.

Before purchasing a policy, check with each company which discounts they offer. Depending on the company, some discounts might not be available to policyholders in every state. If you would like to choose from a list of providers who offer free car insurance quotes, click this link.

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What is the best auto insurance coverage?

When choosing adequate coverage, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that may help you determine whether or not you will benefit from professional help.

• What if I owe more than I can insure my car for?
• Should I have combined single limit or split liability limits?
• Should I rate my 2011 Mercedes-Benz GL-Class as pleasure use or commute?
• Can I rent a car in Mexico?
• Is a blown tire covered by insurance?
• When does my teenage driver need to be added to my policy?
• What is no-fault insurance?
• When should I drop full coverage on my 2011 Mercedes-Benz GL-Class?
• Is pleasure use cheaper than using my 2011 Mercedes-Benz GL-Class to commute?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Is there deception in advertising?

State Farm, Allstate and Geico regularly use ads on TV and radio. All the ads state the claim about savings if you just switch your policy. Is it even possible that every company can cost less than your current company? It’s all in the numbers.

Insurance providers have a preferred profile for a prospective insured that will add to their bottom line. For example, this type of risk profile may be between 25 and 40, owns their home, and does not commute to work. A customer getting a price quote who fits those characteristics will get low premium rates and will also save a lot if they switch.

Potential insureds who don’t meet these stringent criteria may be required to pay higher premium rates with the end result being the driver buying from a lower-cost company. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save the amount stated. That is how companies can make the claims of big savings.

This illustrates why it is so important to get price quotes at each policy renewal. Because without a comparison, you cannot know which company will provide the lowest rates.

Specifics of your auto insurance policy

Learning about specific coverages of your policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages available from auto insurance companies.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, dental work, doctor visits, surgery and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a deer, vandalism, falling objects and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability coverage provides protection from injuries or damage you cause to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical expenses, pain and suffering, repair costs for stationary objects, emergency aid and medical services. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Collision coverage

Collision coverage will pay to fix damage to your GL-Class from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like sideswiping another vehicle, driving through your garage door, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz GL-Class.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

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A fool and his money are soon parted

Some car insurance companies may not provide the ability to get a quote online and many times these smaller companies prefer to sell through independent agents. Budget-friendly car insurance can be purchased on the web as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis.

As you prepare to switch companies, you should never buy less coverage just to save a little money. There are many occasions where an insured cut full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your strategy should be to purchase plenty of coverage at a price you can afford, but do not sacrifice coverage to save money.

Additional information

• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Teen Driver Licensing Information (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• Child Safety Seats (Insurance Information Insitute)

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