2013 Mercedes-Benz GL-Class Insurance Rates

Searching for better auto insurance rates for your Mercedes-Benz GL-Class? Having to pay for overpriced auto insurance can empty your personal savings and put a big crunch on your finances. Comparing price quotes is a great way to cut your insurance bill. Insurance companies such as Allstate, Progressive and Geico all promote huge savings with fancy advertisements and it is challenging if not impossible to see past the geckos and flying pigs and find the best price available.

Finding Auto Insurance Deals

Finding cheaper 2013 Mercedes-Benz GL-Class auto insurance prices can be relatively painless. Just take time comparing rates online with multiple companies. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to find low rates is a comparison rater form click here to open form in new window. This form saves time by eliminating boring form submissions for each company. Taking the time to complete one form will return price quotes from multiple companies.

A less efficient way to compare prices requires a trip to the website for each individual company to complete a price quote. For instance, we’ll pretend you want to compare Farmers, 21st Century and Liberty Mutual. You would have to spend time on each company’s site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you use exactly the same coverage information on every quote you get. If each company quotes different limits and deductibles on each one it will be very difficult to make a fair comparison for your Mercedes-Benz GL-Class.

Are you getting all your discounts?

Insuring your fleet can be pricey, but companies offer discounts to cut the cost considerably. Some trigger automatically when you quote, but less common discounts must be inquired about before you get the savings. If you’re not getting every credit possible, you are paying more than you should be.

• Passive Restraint Discount – Factory air bags can qualify for discounts of up to 25% or more.
• New Car Discount – Insuring a new car is cheaper since new cars are generally safer.
• Defensive Driver – Taking a course teaching defensive driving skills could possibly earn you a 5% discount if your company offers it.
• Payment Method – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
• Drive Less and Save – Low mileage vehicles can earn lower rates on the low mileage vehicles.
• Discounts for Safe Drivers – Safe drivers can pay as much as 50% less on GL-Class insurance than less cautious drivers.
• Employee of Federal Government – Simply working for the federal government may qualify you for a discount on GL-Class insurance depending on your company.
• Memberships – Participating in a civic or occupational organization may earn a discount when buying auto insurance on GL-Class insurance.

Drivers should understand that some credits don’t apply to your bottom line cost. Some only apply to individual premiums such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. But any discount will cut the cost of coverage.

To see a list of insurers with discount auto insurance rates, follow this link.

Tailor your coverage to you

When choosing the best insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

• Am I missing any policy discounts?
• I have good health insurance, so how much medical payments coverage do I need?
• How high should deductibles be on a 2013 Mercedes-Benz GL-Class?
• Who is covered when they drive my 2013 Mercedes-Benz GL-Class?
• Is borrowed equipment or tools covered if stolen or damaged?
• Do I have coverage when using my vehicle for my home business?
• Am I better off with higher deductibles on my 2013 Mercedes-Benz GL-Class?
• Will I lose any money if I cancel my policy before it expires?
• Do I really need UM/UIM coverage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mercedes-Benz GL-Class.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.

Comprehensive coverage – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, theft, damage from getting keyed and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as prosthetic devices, rehabilitation expenses, funeral costs, nursing services and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

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

Collision coverage pays for claims such as hitting a mailbox, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability car insurance – This protects you from damage or injury you incur to people or other property in an accident. It protects YOU against claims from other people. 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. You might see liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, court costs and bail bonds. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.