2016 Mercedes-Benz GL-Class Car Insurance Quotes – 5 Savings Tips

Buyers have a choice when searching for affordable Mercedes-Benz GL-Class insurance. You can either waste hours driving around trying to get quotes or use the internet to make rate comparisons. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the absolute fastest way to compare rates for a new or used Mercedes-Benz and find the cheapest rates.

It’s a good habit to get comparison quotes occasionally since rates change frequently. Even if you got the best price on GL-Class coverage a year ago you may be paying too much now. Ignore everything you know about auto insurance because you’re about to find out one of the best ways to find the best coverage while lowering your premiums.

Low Cost Insurance Coverage

Getting better 2016 Mercedes-Benz GL-Class insurance coverage pricing is not a difficult process. All that’s required is to take time to compare rate quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This type of form saves time by eliminating a different quote for each company you want a rate for. One quote request gets you price quotes from many national carriers. It’s the fastest way to compare.

A harder way to obtain and compare quotes online consists of visiting each company website to complete a price quote. For example, let’s assume you want comparison quotes from Allstate, State Farm and Geico. To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The most time-consuming way to compare rates is driving around to local insurance agencies. Buying insurance online makes this process obsolete unless you have a need for the professional guidance that only a license agent can provide. However, consumers can compare online quotes and still use a local agent and we’ll cover that in a bit.

It’s up to you which method you use, but make darn sure you compare apples-to-apples deductibles and coverage limits for every company. If your comparisons have higher or lower deductibles it’s not possible to find the best deal for your Mercedes-Benz GL-Class.

Take advantage of discounts

Companies don’t list every available discount in an easy-to-find place, so we break down both well-publicized and the more hidden ways to save on car insurance. If they aren’t giving you every credit possible, you are throwing money away.

  • Safety Course Discount – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
  • Good Student – A discount for being a good student can get you a discount of up to 25%. The discount lasts up until you turn 25.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break when shopping for car insurance on GL-Class coverage.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy a life insurance policy as well.

It’s important to understand that some credits don’t apply to all coverage premiums. Most only apply to specific coverage prices like liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.

To see a list of insurance companies with discount car insurance rates, click this link.

How to know if you need help

When it comes to buying the best insurance coverage coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • What is PIP insurance?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Should I put collision coverage on all my vehicles?
  • Is pleasure use cheaper than using my 2016 Mercedes-Benz GL-Class to commute?
  • Why am I required to buy high-risk coverage?
  • Am I covered if I wreck a rental car?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and may give you better protection.

Coverages available on your policy

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz GL-Class.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision protection

Collision coverage pays for damage to your GL-Class resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like rolling your car, sideswiping another vehicle and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as doctor visits, ambulance fees, X-ray expenses, rehabilitation expenses and pain medications. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, a tree branch falling on your vehicle, theft, hitting a bird and damage from getting keyed. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability coverages

This coverage provides protection from damages or injuries you inflict on other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, bail bonds and court costs. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.