2010 Mercedes-Benz GL-Class Insurance Rates in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2024

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Trying to find cheaper insurance coverage rates for your Mercedes-Benz GL-Class? I can’t think of a single person who loves paying for insurance coverage, especially when they are aware that they could find lower prices if they just compared rates. Consumers have multiple auto insurance companies to purchase coverage from, and although it’s nice to be able to choose, it can be more challenging to find the best rates for your vehicles.

It’s a good idea to compare rates before your policy renews because rates are adjusted regularly by insurance companies. If you had the best rate on GL-Class coverage two years ago you can probably find a better price now. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to quote online to eliminate unnecessary coverages and save money.

Informed consumers know how to buy insurance coverage cheaper

Lots of things are part of the calculation when you quote your car insurance policy. Some are obvious such as traffic violations, but other factors are less obvious like your vehicle usage or your vehicle rating.

The factors shown below are some of the most rate-impacting factors companies use to determine your premiums.

  • If you don’t need it don’t buy it – There are many extra coverages that may not really be needed on your insurance coverage policy. Coverages for rental car reimbursement, high-cost glass coverage, and Farm Bureau memberships are probably not needed. They may seem like a good idea when deciding what coverages you need, but now you might not need them so remove them and pocket the money.
  • Alarms and GPS tracking lower premiums – Choosing a vehicle that has a built-in theft deterrent system can save you some money. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop car theft.
  • City dwellers may pay more – Choosing to live in less populated areas is a positive aspect when insuring your vehicles. Lower population translates into fewer accidents as well as less vandalism and auto theft. People in densly populated areas regularly have congested traffic and more severe claims. More time commuting statistically corresponds to a higher accident and claim rate.
  • Insurance companies don’t like frequent insurance claims – Insurance companies provide better rates to policyholders who do not file claims often. If you file a lot of claims you can expect increased rates or even have your policy non-renewed. Your insurance policy is intended for the large, substantial claims.

Pay discount rates with these discounts

Car insurance companies don’t list all their discounts in a way that’s easy to find, so the list below details some of the more common as well as some of the hidden credits available to you.

  • Air Bags and Passive Restraints – Cars that have air bags or automatic seat belts may earn rate discounts up to 30%.
  • Accident Forgiveness – Not a discount per se, but some insurance companies allow you one accident before hitting you with a surcharge if you have no claims prior to the accident.
  • Online Discount – Certain car insurance companies give back up to $50 shop auto insurance on their website.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% on GL-Class coverage than drivers with accidents.
  • Discount for Life Insurance – Insurance companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Low Mileage Discounts – Low mileage vehicles could earn discounted prices on garaged vehicles.
  • Lower Rates for Military – Having a family member in the military may lower your rates slightly.
  • Save with a New Car – Buying coverage on a new vehicle can be considerably cheaper since newer models have better safety ratings.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • Home Ownership Discount – Owning your own home or condo may earn you a small savings since owning and maintaining a home is proof of financial responsibility.

Discounts save money, but please remember that most discounts do not apply to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free car insurance policy, you aren’t that lucky.

For a list of insurance companies who offer discounts, enter your zip code here.

Your situation helps dictate your coverage

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so your insurance should reflect that For example, these questions can help discover whether your personal situation might need an agent’s assistance.

  • Am I covered when driving someone else’s vehicle?
  • Is my trailer covered?
  • When would I need rental car insurance?
  • Do I have coverage for damage caused while driving under the influence?
  • Can I rate high risk drivers on liability-only vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What happens if I owe more than my 2010 Mercedes-Benz GL-Class is worth?
  • What is no-fault insurance?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and enter your zip code. It is quick, free and you can get the answers you need.

Auto insurance policy coverages for a 2010 Mercedes-Benz GL-Class

Understanding the coverages of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages offered by auto insurance companies.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, ambulance fees and hospital visits. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This coverage 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. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for claims like bail bonds, medical expenses, funeral expenses and emergency aid. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Uninsured and underinsured coverage

This gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Mercedes-Benz GL-Class.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages

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 like falling objects, theft, a tree branch falling on your vehicle, a broken windshield and vandalism. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision insurance

This coverage covers damage to your GL-Class from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like driving through your garage door, backing into a parked car, crashing into a building and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Save your cold hard cash

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. There are too many instances where an accident victim reduced physical damage coverage only to regret at claim time that it was a big error on their part. The goal is to buy the best coverage you can find at the best possible price while still protecting your assets.

Low-cost 2010 Mercedes-Benz GL-Class insurance is available from both online companies as well as from insurance agents, and you need to price shop both so you have a total pricing picture. There are still a few companies who may not have online rate quotes and most of the time these smaller providers only sell coverage through independent agencies.

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