2012 Mercedes-Benz GL-Class Insurance Cost – 5 Discounts for Best Prices

Searching for better car insurance rates? Consumers have options when looking for affordable Mercedes-Benz GL-Class insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to make rate comparisons.

There is a right way and a wrong way to buy car insurance so you’re going to learn the best way to get price quotes for a new or used Mercedes-Benz and get the best price possible.

It is always a good idea to take a look at other company’s rates every six months since insurance rates are variable and change quite frequently. Just because you found the lowest rates for GL-Class coverage a couple years back a different company probably has better rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to the right way to reduce your cost while improving coverage.

This information will teach you the most effective way to quote insurance and some money-saving tips. If you currently have car insurance, you will most likely be able to lower your premiums substantially using these methods. Consumers only need to know how to find the lowest price over the internet.

Pay less for Mercedes-Benz GL-Class insurance

The cost of insuring your cars can be expensive, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you quote, but some must be asked about before being credited. If you aren’t receiving every discount possible, you are throwing money away.

  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Own a Home – Being a homeowner can help you save on auto insurance because owning a home demonstrates responsibility.
  • Auto/Life Discount – Some companies give lower rates if you buy life insurance from them.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and will save you 10% or more.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz could qualify for a substantially lower rate.

Keep in mind that most credits do not apply to the entire cost. Most only apply to individual premiums such as comprehensive or collision. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will cut the amount you have to pay.

Car insurance companies who might offer these discounts are:

Check with each insurance company which discounts they offer. All car insurance discounts might not apply everywhere.

Where Can I Get Cheap Car Insurance?

There are several ways to compare Mercedes-Benz GL-Class car insurance quotes, but there is one way that is more efficient than others. You can waste a few hours (or days) talking to local insurance agents in your area, or you could use online quotes for quick rates.

Most major companies take part in a program where prospective buyers send in one quote, and each participating company can provide price quotes based on the submitted data. This eliminates the need for form submissions for each company you want a rate for.

To find out how much you can save on car insurance click here (opens in new window).

The only downside to using this type of system is you are unable to specify the insurers you will receive quotes from. So if you prefer to pick specific providers to compare rates, we have a listing of car insurance companies in your area. Click to view list.

Which method you use is up to you, but compare apples-to-apples coverages and limits on every quote you get. If the quotes have unequal deductibles or liability limits it will be next to impossible to determine the best price for your Mercedes-Benz GL-Class.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether you would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I have coverage when making deliveries for my home business?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I drive in a foreign country?
  • Is a blown tire covered by insurance?
  • Do I need rental car coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Detailed coverages of your insurance policy

Having a good grasp of insurance helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverages – This coverage pays for damage to your GL-Class from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as colliding with a tree, hitting a mailbox and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

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

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like legal defense fees, attorney fees, structural damage 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.

Comprehensive protection – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, a broken windshield, falling objects, fire damage and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, hospital visits and pain medications. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Find Good Coverage for Less

As you restructure your insurance plan, never buy less coverage just to save a little money. There are too many instances where someone dropped uninsured motorist or liability limits only to regret that it was a big error on their part. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

Drivers who switch companies do it for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, poor customer service or extreme rates for teen drivers. No matter why you want to switch, choosing a new company is less work than it seems.

The cheapest 2012 Mercedes-Benz GL-Class insurance can be purchased from both online companies in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

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