Cheaper 2009 Mercedes-Benz GL-Class Insurance Rates

Are you overwhelmed by the wide range of car insurance options? Many other consumers are too. You have so many options available that it can turn into a real hassle to find the best price.

You need to price shop coverage every six months because insurance rates are constantly changing. Just because you had the best price on GL-Class insurance last year you can probably find a better price now. Don’t believe everything you read about car insurance on the web, but we’re going to give you some tested techniques to slash your car insurance rates.

If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Buying the cheapest insurance coverage is easy if you know what you’re doing. But drivers should learn the methods companies use to price insurance differently and apply this information to your search.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always advertise every discount very well, so the following is a list of both the well known and the more hidden savings tricks you should be using.

  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save 10% or more off your medical payments premium.
  • E-sign – Some insurance companies give back up to $50 for buying a policy and signing up over the internet.
  • Senior Discount – Older drivers may receive better car insurance rates on GL-Class insurance.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings of more than 20%.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Homeowners Savings – Being a homeowner may trigger a car insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Drive Safe and Save – Drivers who don’t get into accidents can pay as much as 50% less on GL-Class insurance than their less cautious counterparts.

As a disclaimer on discounts, some credits don’t apply the the whole policy. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of companies offering car insurance discounts, follow this link.

Mercedes-Benz GL-Class premiums are determined by many factors

It’s important that you understand some of the elements that help determine your auto insurance rates. Having a good understanding of what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Multiple policies with one company can save – Some companies give discounts to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even if you’re getting this discount you still need to shop around to ensure the best deal.
  • Adjust deductibles and save – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Mercedes-Benz. A few examples of covered claims are running into the backend of another car, damage caused by hail, or theft. The deductibles are how much you are required to spend before your auto insurance pays a claim. The higher the amount you have to pay, the less your company will charge you for insurance on GL-Class insurance.
  • Where you live – Living in a rural area can save you money when insuring your vehicles. Drivers who live in large cities have traffic congestion and much longer commute distances. Lower population translates into fewer accidents and a lower car theft rate.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean women are BETTER drivers than men. Men and women are in accidents in similar numbers, but the male of the species tend to have more serious accidents. Men also tend to get cited for more serious violations like reckless driving and DUI.
  • A clean driving record saves money – Your driving citation history has a huge affect on how much you pay. Just one citation can increase rates twenty percent or more. Good drivers receive lower rates than bad drivers. Drivers who have serious citations like DWI, reckless driving or hit and run convictions may need to submit a SR-22 form with their state DMV in order to continue driving.
  • Don’t skimp on liability – The liability section of your policy is the protection if a jury decides you are liable for causing damage or personal injury in an accident. It will provide for a legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • More miles equals more premium – The higher the mileage driven in a year the more you’ll pay to insure your vehicle. Most insurance companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting receive lower rates compared to those used for work or business. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle, because improper ratings can cost you money. Incorrect usage on your GL-Class can cost quite a bit.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that can waste your money when buying auto insurance. Coverages like vanishing deductibles, accident forgiveness and additional equipment coverage may be wasting your money. These may sound like a good investment when talking to your agent, but now you might not need them so get rid of them and save.

Do I need special coverages?

When it comes to choosing the best insurance coverage coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions may help you determine if you may require specific advice.

  • Can I make deliveries for my home business?
  • Will my insurance pay for OEM parts?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need higher collision deductibles?
  • Am I covered when driving in Canada or Mexico?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Is there deception in advertising?

Car insurance providers like 21st Century, Allstate and State Farm consistently run television and radio advertisements. They all make the same claim about savings if you change your policy. How do they all make almost identical claims? This is how they do it.

Different companies can use profiling for the type of customer that makes them money. An example of a preferred risk might be profiled as between 25 and 40, a clean driving record, and has great credit. Any new insured who matches those parameters receives the best rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to the requirements will be quoted a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that much money. This is how insurance companies can confidently advertise the way they do. This emphasizes why you should compare many company’s rates. It’s impossible to know which car insurance company will have the lowest Mercedes-Benz GL-Class insurance rates.

Specific coverages for a Mercedes-Benz GL-Class

Having a good grasp of auto insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive or Other Than Collision

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 your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, damage from flooding, a broken windshield and hitting a bird. The maximum payout a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as chiropractic care, prosthetic devices and pain medications. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

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

Collision can pay for things like hitting a mailbox, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability auto insurance

Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This insurance protects YOU against claims from other people. It does not cover 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 limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like legal defense fees, repair costs for stationary objects and medical expenses. How much coverage you buy is your choice, but consider buying as much as you can afford.

UM/UIM Coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mercedes-Benz GL-Class.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Do the work, save more money

When buying insurance coverage, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, drivers have reduced comprehensive coverage or liability limits and learned later that the savings was not a smart move. Your goal should be to purchase a proper amount of coverage for the lowest price.

Affordable 2009 Mercedes-Benz GL-Class insurance is possible online in addition to many insurance agents, and you need to price shop both to have the best selection. Some insurance providers do not provide online quoting and most of the time these small, regional companies sell through independent agents.

Consumers leave their current company for a variety of reasons including policy non-renewal, unfair underwriting practices, lack of trust in their agent and policy cancellation. No matter why you want to switch, choosing a new insurance company is not as difficult as it may seem.

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