How Much Does 2011 Mercedes-Benz GL-Class Insurance Cost?

Finding lower premiums on insurance is always a challenge for consumers new to comparing rates online. People have so many options available that it can turn into a challenge to find the best price.

The most recommended method to compare policy rates is to know most of the bigger providers participate in a system to give you rate quotes. To get started, all you need to do is provide details such as whether your vehicle is owned or leased, the year, make and model of vehicles, deductibles desired, and your general credit rating. Your insurance information gets sent immediately to insurance carriers in your area and you will get price comparisons almost instantly.

To find lower rates now, click here and find out if lower rates are available.

Can you really save that much by switching?

Insurance coverage companies such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim of big savings if you switch to their company. How can each company make the same claim? It’s all in the numbers.

Different companies can use profiling for the type of driver that makes them money. For instance, a driver they prefer could possibly be between 25 and 40, owns a home, and has a high credit rating. A customer that hits that “sweet spot” gets the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who do not match these standards must pay higher premiums and ends up with the customer not buying. Company advertisements say “people who switch” not “everyone that quotes” save money. That is how insurance companies can make the claims of big savings.

This illustrates why drivers should compare many company’s rates. It’s just too difficult to predict which company will fit your personal profile best.

Pay less by taking advantage of discounts

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you complete an application, but a few need to be asked for before you will receive the discount.

  • Student in College – Youth drivers who live away from home and do not have a car can be insured at a reduced rate.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off on GL-Class insurance with a few car insurance companies.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz can earn lower rates on the low mileage vehicles.
  • Homeowners Pay Less – Owning a house can help you save on car insurance because owning a home shows financial diligence.
  • Safe Driver Discount – Drivers who avoid accidents can pay as much as 50% less on GL-Class insurance than drivers with accident claims.
  • Passive Restraint Discount – Factory air bags can qualify for discounts of more than 20%.
  • Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiring. It’s a savings of about 10%.
  • Sign Online – Some insurance companies give back up to $50 simply for signing on their website.
  • Bundle and Save – When you have multiple policies with one insurance company you may save up to 20% off your total premium.

Keep in mind that most credits do not apply the the whole policy. A few only apply to individual premiums such as medical payments or collision. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies who offer car insurance discounts, click here to view.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might help in determining if you might need an agent’s assistance.

  • Am I covered if I hit a deer?
  • What discounts do I qualify for?
  • Can I drive in Mexico and have coverage?
  • Do I need added coverage for expensive stereo equipment?
  • How can I get my company to pay me more for my totalled car?
  • How much can I save by bundling my policies?
  • Does my liability insurance cover pulling a trailer or camper?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, simply complete this short form.

Educate yourself about car insurance coverages

Understanding the coverages of a car insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Collision insurance

This coverage will pay to fix damage to your GL-Class resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for short-term medical expenses such as pain medications, prosthetic devices, funeral costs and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hail damage, theft, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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 2011 Mercedes-Benz GL-Class.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Auto liability insurance

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: 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 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, medical expenses, legal defense fees and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

More quotes mean more savings

As you prepare to switch companies, it’s very important that you do not skimp on critical coverages to save a buck or two. In too many instances, an insured dropped full coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to find the BEST coverage for the lowest price while still protecting your assets.

Drivers change insurance companies for any number of reasons including an unsatisfactory settlement offer, policy cancellation, questionable increases in premium and even lack of trust in their agent. No matter why you want to switch, switching companies can be pretty painless.

You just read a lot of techniques to get a better price on 2011 Mercedes-Benz GL-Class insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may be surprised to find that the best price on insurance coverage is with a small mutual company.

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