2017 Mercedes-Benz GLS-Class Insurance Rates

Trying to find the cheapest insurance coverage rates for your Mercedes-Benz GLS-Class? Saving money on Driversinsurance coverage can be kind of frustrating for drivers not familiar with online comparison shopping. Drivers have so many agents and companies to choose from that it can be hard work to find the best rates.

You should make it a habit to price shop coverage at least once a year due to the fact that insurance prices trend upward over time. Despite the fact that you may have had the best deal on GLS-Class insurance on your last policy the chances are good that you can find a lower rate today. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the best way to save money, get proper deductibles and limits, all at the lowest rate.

How do insurance providers determine Mercedes-Benz GLS-Class insurance premiums?

Lots of things are considered when you get your auto insurance bill. Some are pretty understandable like your driving record, although some other factors are less apparent like where you live or your vehicle rating.

The following are some of the most common factors insurance coverage companies consider when setting prices.

  • City dwellers may pay more – Choosing to live in less populated areas can be a good thing when trying to find low car insurance rates. City drivers have to deal with much more traffic and longer commute times. Fewer drivers translates into fewer accident claims and a lower car theft rate.
  • Multiple policies with one company – Most major companies will give lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Even though this discount sounds good, you still need to get quotes from other companies to guarantee you are still saving the most. You may still be able to find lower rates even if you have your coverage with different companies
  • Poor credit rating equals high rates – Having a good credit score can be a huge factor in calculating your insurance coverage rates. Consumers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores. If your credit history is lower than you’d like, you could save money insuring your 2017 Mercedes-Benz GLS-Class by improving your credit score.
  • Never let your policy expire – Driving without insurance is against the law and you will pay a penalty because you let your insurance expire. In addition to paying higher premiums, failure to provide proof of insurance will get you a revoked license or a big fine.
  • Don’t skimp on liability – Liability coverage is the coverage that protects you when you are responsible for an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive compared to physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Certain occupations raise rates – Did you know your career choice can influence rates? Occupations like doctorsair traffic controllers and medical professionals tend to pay higher premium rates because of high stress and lots of time spent away from family. Conversely, occupations like actors, students and the unemployed generally pay rates lower than average on GLS-Class insurance.

More discounts mean cheap premiums

Car insurance can cost a lot, but you might already qualify for some discounts that could drop your premiums quite a bit. A few discounts will be applied at the time of purchase, but lesser-known reductions have to be manually applied in order for you to get them.

  • Discount for Passive Restraints – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Safe Drivers – Insureds who avoid accidents may save up to 50% more on GLS-Class insurance than drivers with accident claims.
  • College Student – Youth drivers who live away from home at college and don’t have a car could get you a discount.
  • Homeowners Savings – Just owning your own home can get you a discount because owning a home is proof of financial responsibility.
  • E-sign Discounts – A few larger online companies will discount your bill up to fifty bucks get car insurance online.
  • More Vehicles More Savings – Buying insurance for several vehicles with the same auto insurance company can get a discount on all vehicles.
  • Clubs and Organizations – Having an affiliation with a civic or occupational organization can get you a small discount when getting a car insurance quote.
  • 55 and Retired – Older drivers may qualify for a small decrease in premiums on GLS-Class insurance.
  • Pay Early and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.

Just know that some credits don’t apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, it just doesn’t work that way.

The best auto insurance companies and some of their more popular discounts are outlined below.

  • AAA offers discounts including anti-theft, multi-car, multi-policy, education and occupation, good driver, and pay-in-full.
  • Progressive offers discounts for multi-vehicle, multi-policy, continuous coverage, online quote discount, homeowner, and online signing.
  • State Farm discounts include driver’s education, good student, multiple autos, passive restraint, anti-theft, and multiple policy.
  • Esurance may offer discounts for Pac-12 alumni, multi-car, homeowner, multi-policy, claim free, online shopper, and renters.
  • Nationwide has savings for accident-free, multi-policy, easy pay, defensive driving, good student, anti-theft, and family plan.

When getting a coverage quote, ask all the companies how many discounts you can get. All car insurance discounts might not be offered on policies in your area. To find providers with the best auto insurance discounts, click here to view.

Be skeptical of car insurance ads

Car insurance providers like Allstate and Progressive endlessly run ads on TV and radio. They all seem to make the same claim about savings if you get a free car insurance quote and switch to them. That’s great but how can every company claim to save you money? It’s all in the words they use.

All the different companies provide the lowest rates for the type of insured that earns them the highest profit. A good example of a desirable insured should be a female over age 40, carries full coverage, and insures a new vehicle. A propective insured that hits that “sweet spot” receives the best prices as well as save quite a bit of money when switching.

People who are not a match for those criteria will get a more expensive rate and this can result in business not being written. If you listen closely, the ads state “people that switch” not “everyone who quotes” save the amount stated. This is how insurance companies can confidently make it sound like they have such great rates.

This emphasizes why it is so important to compare as many free car insurance quotes as you can. You cannot predict with any certainty which company will have the best prices.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions might point out whether your personal situation might need an agent’s assistance.

  • Can I get a multi-policy discount?
  • Why am I required to buy liability insurance?
  • When should I buy a commercial auto policy?
  • What happens if I owe more than my 2017 Mercedes-Benz GLS-Class is worth?
  • Can I afford low physical damage deductibles?
  • How does medical payments coverage work?
  • When does my teenage driver need to be added to my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Can I afford to pay high deductible claims out of pocket?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Auto insurance coverages 101

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for dental work, hospital visits, X-ray expenses, EMT expenses and funeral costs. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz GLS-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as funeral expenses, legal defense fees, loss of income and attorney fees. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision insurance

This coverage pays for damage to your GLS-Class resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sideswiping another vehicle, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, a broken windshield and hail damage. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Money doesn’t grow on trees

More affordable auto insurance can be sourced both online in addition to many insurance agents, so you need to quote car insurance with both in order to have the best price selection to choose from. There are still a few companies who don’t offer internet price quotes and usually these regional carriers work with independent agents.

While you’re price shopping online, do not buy poor coverage just to save money. Too many times, an insured cut full coverage only to find out that their decision to reduce coverage ended up costing them more. The proper strategy is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Insureds change insurance companies for a variety of reasons including high prices, not issuing a premium refund, being labeled a high risk driver or questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider can be easy and end up saving you some money.

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