How Much Does 2013 Mercedes-Benz GL-Class Car Insurance Cost?

Are you irritated from scraping the payment together to pay your auto insurance bill each month? Your situation is no different than many other vehicle owners. You have so many insurance companies to pick from, and even though it’s nice to have a choice, too many choices makes it more difficult to compare company pricing.

The purpose of this post is to help educate you on how to effectively get price quotes. If you are paying for car insurance now, you should be able to lower your premiums substantially using this information. Drivers just need to learn the most effective way to compare prices online.

These discounts can lower your insurance quotes

Companies offering auto insurance do not advertise all disounts very well, so the next list breaks down some of the more common in addition to some of the lesser obvious credits that you can use to lower your rates.

• Discounts for Cautious Drivers – Insureds who avoid accidents may save up to 50% more on GL-Class coverage compared to rates paid by drivers with frequent claims.
• Savings for New Vehicles – Buying a new car model can save up to 30% because newer models keep occupants safer.
• Safety Course Discount – Taking time to complete a safe driver class can save you 5% or more if your company offers it.
• Sign Online – Some insurance companies will give a small break simply for signing digitally online.
• Clubs and Organizations – Belonging to a professional or civic organization could trigger savings on insurance.

As a sidenote, some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But any discount will help lower your policy cost.

Some companies who might offer many of the previously listed discounts are:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

When quoting, ask each insurance company which discounts can lower your rates. Discounts might not be available to policyholders in your area. For a list of insurance companies with discount rates, click here to view.

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Informed drivers save every year

When buying auto insurance it’s important to understand some of the factors that aid in calculating the level of your policy premiums. If you have some idea of what controls the rates you pay, this empowers consumers to make smart changes that could result in better auto insurance rates. Lots of factors are used in the calculation when quoting car insurance. Some factors are common sense like an MVR report, although others are more obscure such as your marital status or how safe your car is.

The itemized list below are some of the most rate-impacting factors that factor into rates.

• Does your job raise your rates? – Did you know your job can affect your rates? Careers such as lawyers, social workers and miners tend to pay higher average rates attributed to intense work-related stress and lots of time spent away from family. On the other hand, careers like professors, engineers and performers generally pay rates lower than average on GL-Class coverage.
• Fewer miles means better costs – The more you drive your Mercedes-Benz each year the higher your rate. Most insurance companies charge rates based upon how the vehicle is primarily used. Cars that have low annual miles can be on a lower rate level than cars that get driven a lot. It’s a good idea to make sure your auto insurance coverage states the correct driver usage. Incorrect rating for your GL-Class may be costing you.
• Cut rates and deter theft – Driving a car with a theft deterrent system can help bring down rates. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft.
• Use but don’t abuse your insurance – If you are a frequent claim filer, you should expect either policy cancellation or increased premiums. Auto insurance companies generally give lower rates to insureds that do not abuse their auto insurance. Your car insurance is designed for the large, substantial claims.
• Married drivers pay lower rates – Being married may earn you lower rates on your auto insurance bill. Having a significant other generally demonstrates drivers are more responsible and insurance companies like that drivers who are married are more cautious.
• Multi-policy discounts can save money – Lots of insurance companies will award discounts to customers who buy several policies from them, otherwise known as a multi-policy discount. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to compare rates to make sure you are getting the best deal.
• Auto insurance rates and age – Older drivers are viewed as being more responsible, file fewer claims , and usually have better credit.Beginning drivers have been known to be less responsible with other occupants in the car so auto insurance rates are higher.

Different people need different insurance coverages

When choosing the right insurance coverage, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that could help you determine whether or not you will benefit from professional help.

• Should I buy more coverage than the required minimum liability coverage?
• Am I covered when driving on a suspended license?
• What is PIP insurance?
• Am I covered by my spouse’s policy after a separation?
• Is business equipment covered while in my vehicle?
• Is a new car covered when I drive it off the dealer lot?
• What exactly is covered by my policy?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage breakdown

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are typical coverage types available from auto insurance companies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like hospital visits, pain medications and nursing services. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability

Liability coverage protects you from damage that occurs to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, court costs, repair costs for stationary objects and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2013 Mercedes-Benz GL-Class.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive auto insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, rock chips in glass and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

Collision coverage pays for damage to your GL-Class caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to increase the deductible to save money on collision insurance.

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A penny earned…

Cheap 2013 Mercedes-Benz GL-Class insurance can be sourced on the web and from local insurance agents, and you should be comparing both to get a complete price analysis. Some car insurance companies do not offer online rate quotes and usually these small, regional companies sell through independent agencies.

In this article, we covered a lot of ways to lower your 2013 Mercedes-Benz GL-Class insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding affordable insurance coverage. Consumers may even find the lowest rates come from a company that doesn’t do a lot of advertising. These companies may cover specific market segments cheaper compared to the large companies like Allstate, Geico and Progressive.

Other resources

• Bodily Injury Coverage (Liberty Mutual)
• Electronic Stability Control FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)

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