2014 Mercedes-Benz GL-Class Car Insurance Cost

Want the cheapest car insurance rates? Drivers have a choice when trying to find the best price on Mercedes-Benz GL-Class insurance. They can either spend hours calling around trying to get quotes or use the internet to make rate comparisons. There is a better way to find car insurance online and you need to know the proper way to price shop coverage for a new or used Mercedes-Benz and find the lowest price from local insurance agents and online providers.

You should take the time to check car insurance prices yearly because prices are constantly changing. Even if you got the lowest price on GL-Class coverage six months ago you can probably find a lower rate today. So just block out anything you think you know about car insurance because we’re going to show you the proper way to save money, get proper coverage and the best rates.

Car Insurance Comparisons

Most major insurance companies such as 21st Century, Allstate and State Farm quote prices for coverage on their websites. The process doesn’t take much effort as you simply enter the amount of coverage you want as requested by the quote form. Once you submit the form, the company’s rating system makes automated requests for information on your driving record and credit history and gives you a price quote based on these factors.

Quoting online streamlines rate comparisons, but the process of having to visit multiple sites and enter the same data into a form can get tiresome after awhile. But it is imperative to have as many quotes as possible in order to find a lower rate.

The easiest way to get multiple rate quotes is to use a quote form that gets price quotes from many companies. It saves time, eliminates form submissions, and makes quoting online much more enjoyable. Immediately after submitting the form, it is rated and you can select any of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and may save quite a bit of money.

In order to get comparison pricing now, click here to open in a new tab and begin entering your coverage information. If you currently have coverage, we recommend you replicate the coverage information identical to your current policy. This makes sure you will have comparison quotes for exact coverage.

Complexity of Mercedes-Benz GL-Class insurance rates

It’s important that you understand some of the elements that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels allows you to make educated decisions that can help you get much lower annual insurance costs.

Shown below are some of the items companies use to determine your rates.

  • Do you know your deductibles? – Your deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your car from damage. Examples of covered claims could be running into the backend of another car, vandalism, and burglary. The more expense you’re willing to pay, the less your car insurance will be on GL-Class coverage.
  • Your car’s features help determine rates – Purchasing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your car from being stolen.
  • Your location affects your rates – Residing in a small town is a positive aspect when it comes to car insurance. Urban drivers regularly have more traffic problems and a longer drive to work. Less people living in that area means reduced accidents and also fewer theft and vandalism claims.
  • A clean driving record saves money – Your driving citation history has a big impact on rates. Drivers with clean records have lower premiums compared to drivers with tickets. Only having one speeding ticket may increase your cost by twenty percent. Drivers who have flagrant citations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.

Pay less by taking advantage of discounts

Car insurance companies don’t always publicize all available discounts very clearly, so the following is a list of both the well known and the harder-to-find auto insurance savings. If you’re not getting every credit you deserve, you are throwing money away.

  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and will save you 10% or more.
  • Driver’s Ed – Require your teen driver to complete a driver education course in school.
  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • No Accidents – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
  • Multi-car Discount – Having more than one vehicle with the same company qualifies for this discount.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

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

Your coverage should be tailored to you

When it comes to buying coverage for your vehicles, there isn’t really a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help you determine if your situation might need an agent’s assistance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Will my insurance pay for OEM parts?
  • When do I need to add a new car to my policy?
  • What are the best liability limits?
  • Do I need rental car coverage?
  • Am I covered if I hit a deer?

If you’re not sure about those questions, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Specific coverages for a 2014 Mercedes-Benz GL-Class

Having a good grasp of your insurance policy can help you determine which coverages you need for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverage – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like damaging your car on a curb, colliding with another moving vehicle and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverage – Liability coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like structural damage, emergency aid, court costs, funeral expenses and medical services. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for hospital visits, funeral costs, surgery and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as theft, damage from flooding and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz GL-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Be a penny pincher

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, someone dropped uninsured motorist or liability limits and learned later that they should have had better coverage. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

You just learned some good ideas how you can save on 2014 Mercedes-Benz GL-Class insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from an unexpected company.

Discount insurance is definitely available from both online companies and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. A few companies do not offer online price quotes and these small, regional companies work with independent agents.

Additional car insurance information is located at the links below