2015 Mercedes-Benz GL-Class Car Insurance Cost

Shoppers have options when shopping for affordable Mercedes-Benz GL-Class insurance. They can either spend hours driving around trying to get quotes or leverage the internet to get rate quotes. There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to quote coverages for a Mercedes-Benz and get the lowest price either online or from local insurance agents.

Auto Insurance Quote Comparison

There are a variety of methods to compare 2015 Mercedes-Benz GL-Class auto insurance quotes, but one way is less time-consuming than others. You can waste hours talking about coverages with agents in your area, or you can stay home and use online quoting to quickly compare rates.

Most major companies participate in an industry program where insurance shoppers complete one form, and at least one company provides a quote for coverage. This eliminates the need for quote requests for each company you want a rate for.

To find out what other companies charge for 2015 Mercedes-Benz GL-Class insurance click here to start a free quote.

The only downside to pricing coverage this way is you can’t choose the insurers you want to price. If you wish to select from a list of companies to request quotes from, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but ensure you’re using apples-to-apples coverage information for each price quote. If each company quotes different values for each quote you can’t possibly make a fair comparison for your Mercedes-Benz GL-Class.

Don’t overlook these discounts

Car insurance companies don’t always list every discount in a way that’s easy to find, so we break down both the well known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount available, you’re just leaving money on the table.

Discount for Good Grades – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
Multiple Cars – Buying coverage for all your vehicles with the same company could earn a price break for each car.
E-sign – A few companies will give a small break simply for signing over the internet.
Club Memberships – Belonging to a professional or civic organization is a good way to get lower rates when buying auto insurance on GL-Class insurance.
Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on GL-Class insurance than less cautious drivers.
Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
Auto/Home Discount – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.
Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.
Pay Upfront and Save – If paying your policy premium upfront instead of monthly or quarterly installments you can actually save on your bill.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates adding up those discounts means a free policy, you won’t be that lucky.

Insurance companies that may have these money-saving discounts are:

Before buying, ask each company what discounts are available to you. Some discounts may not be available in your area.

Is my situation unique?

When buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs may require specific advice.

How can I get my company to pay me more for my totalled car?
Are rock chip repairs covered?
Is my state a no-fault state?
Should I buy only the required minimum liability coverage?
Do I have newly-aquired coverage?
Why do I only qualify for high-risk insurance?
How much can I save by bundling my policies?
Does my insurance cover a custom paint job?
What if I total my 2015 Mercedes-Benz GL-Class and owe more than it’s worth?
What is roadside assistance coverage?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Car insurance coverages explained

Knowing the specifics of a car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto collision coverage

This will pay to fix damage to your GL-Class resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, colliding with another moving vehicle, backing into a parked car, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers claims such as repair bills for other people’s vehicles, medical expenses, loss of income and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

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 then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, fire damage, hitting a deer and damage from flooding. The most your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like pain medications, hospital visits and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Mercedes-Benz GL-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.