Compare 2007 Mercedes-Benz GL-Class Car Insurance Rates

Trying to find cheaper insurance coverage rates for your Mercedes-Benz GL-Class? Shopping for car insurance is not something drivers love to do, but it’s mandatory in order to drive legally.

If you are paying for car insurance now, you should be able to reduce your rates substantially using these techniques. Locating affordable insurance coverage is simple if you know the tricks. Nevertheless, vehicle owners do need to understand how the larger insurance companies compete online and apply this information to your search.

Discounts can save BIG

The price of auto insurance can be rather high, but there could be available discounts to help bring down the price. Certain discounts will be applied when you quote, but some may not be applied and must be specially asked for prior to receiving the credit.

  • Save over 55 – If you’re over the age of 55, you may qualify for reduced rates on GL-Class coverage.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • Multiple Policy Discount – When you have multiple policies with one company you may earn at least 10% off all policies.
  • Discount for Swiching Early – Some insurance companies reward drivers for switching policies before your current policy expires. The savings is around 10%.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class in high school.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% off your medical payments premium.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Some only reduce individual premiums such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will bring down the cost of coverage.

For a list of providers offering auto insurance discounts, click here to view.

Low Cost Insurance Coverage

There are several ways to compare quotes and find the best price. The simplest method to find the lowest 2007 Mercedes-Benz GL-Class rates is simply to get online rate quotes. This can be done using a couple different methods.

  1. The recommended way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This method keeps you from doing separate quote forms to each individual insurance coverage company. One simple form will get you price quotes from insurance coverage companies with the best prices. It’s definitely the quickest method.
  2. Another way to compare prices requires visiting the website for every company you want to comare and fill out their own quote form. For example, we’ll assume you want to compare rates from Auto-Owners, Allstate and GEICO. You would have to take the time to go to each site and enter your information, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just compare apples-to-apples coverages on every quote you get. If you compare different limits and deductibles on each one then you won’t be able to make an equal comparison. Just a small difference in limits can make a big difference in price. Just remember that comparing a large number of companies helps you find a lower rate.

Will just any policy work for me?

When choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

  • Do I have coverage if my license is suspended?
  • Does having multiple vehicles earn me a discount?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I break a side mirror?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does liability extend to a camper or trailer?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages 101

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP kick in for immediate expenses for EMT expenses, dental work and nursing services. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision coverages – This covers damage to your GL-Class resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, colliding with a tree, damaging your car on a curb, colliding with another moving vehicle and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Mercedes-Benz GL-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on people or other property in an accident. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as repair bills for other people’s vehicles, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage – Comprehensive insurance 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 protects against claims such as hitting a deer, fire damage, damage from flooding, a broken windshield and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Better coverage you can count on

Cheap 2007 Mercedes-Benz GL-Class insurance is available from both online companies as well as from independent agents, so you should compare both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and most of the time these smaller companies sell through independent agents.

You just learned some good ideas how to lower your insurance rates. The key thing to remember is the more companies you get rates for, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the least-expected company.

People switch companies for a number of reasons such as policy non-renewal, questionable increases in premium, delays in paying claims and policy cancellation. It doesn’t matter why you want to switch finding a new auto insurance company is not as difficult as it may seem.

Additional detailed information is available by following these links: