2013 Mercedes-Benz GL-Class Insurance Cost 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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Searching for the cheapest insurance coverage rates for your Mercedes-Benz GL-Class? Finding more affordable rates for insurance coverage is always a challenge for drivers not familiar with online price comparisons. With such a large number of agents and online companies, it can turn into a big hassle to compare rates.

You need to compare rates once or twice a year since insurance prices tend to go up over time. Despite the fact that you may have had the best deal on GL-Class insurance two years ago there may be better deals available now. Forget anything you know (or think you know) about insurance coverage because we’re going to show you the right way to find lower rates on insurance coverage.

Learn how to find auto insurance at a discount

The best way to find cheaper auto insurance is to take a look at a few of the rating criteria that are used to determine the price you pay for auto insurance. If you have some idea of what influences your rates, this helps enable you to make changes that could result in much lower annual insurance costs. Many different elements are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are not as apparent such as your marital status or your financial responsibility.

The list below includes some of the things used by your company to calculate your prices.

  • Stress out and pay more – Careers such as lawyers, air traffic controllers and stock brokers are shown to have the highest average rates in part from intense work requirements and long work days. Other professions such as actors, historians and the unemployed have the lowest average rates on GL-Class insurance.
  • Too many claims drive up auto insurance rates – Companies award better rates to insureds who only file infrequent claims. If you file a lot of claims you can definitely plan on either higher rates or even cancellation. Insurance coverage is designed for larger claims.
  • Expect high rates for teens – Older, more experienced drivers are more responsible, cost insurance companies less in claims , and are generally more financially stable. Inexperienced drivers are proven to be more careless when behind the wheel so they pay higher auto insurance rates.
  • Liability protection is important – Your auto insurance policy’s liability coverage is the protection when you are determined to be liable for causing damage or personal injury in an accident. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable as compared to coverage for physical damage, so do not cut corners here.
  • Deter vehicle theft – Choosing a vehicle with a theft deterrent system can help bring down rates. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping car theft.

Take advantage of these money-saving discounts

Companies don’t list every discount they offer very clearly, so the list below details a few of the more well known and also the more inconspicuous auto insurance savings.

  • Sign Early and Save – Some insurance companies provide a discount for buying a new policy prior to the expiration date on your current policy. Ten percent is about the average savings.
  • Accident Forgiveness Coverage – Not really a discount, but certain companies permit an accident before they charge you more for coverage as long as you don’t have any claims for a set time period.
  • Drive Less and Save – Low annual miles can earn substantially lower rates.
  • Discounts for Multiple Vehicles – Purchasing coverage when you have multiple vehicles on one policy could earn a price break for each car.
  • Driver Education Discount – Teen drivers should complete a driver education course in school.
  • Paper-free Discount – A few larger online companies will provide an incentive for buying your policy digitally online.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts up to 30%.
  • 55 and Retired – Drivers over the age of 55 may receive better auto insurance rates on GL-Class insurance.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save a little on medical payment and PIP coverage.

It’s important to note that most credits do not apply to the whole policy. Some only reduce specific coverage prices like comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will help reduce your auto insurance premiums.

Larger auto insurance companies and a partial list of their discounts are outlined below.

  • GEICO may offer discounts for good student, air bags, membership and employees, emergency military deployment, defensive driver, driver training, and multi-vehicle.
  • Mercury Insurance has savings for good driver, multi-car, age of vehicle, anti-theft, good student, and professional/association.
  • Farmers Insurance may have discounts that include good student, business and professional, switch companies, mature driver, and multi-car.
  • Auto-Owners Insurance has discounts for mature driver, air bags, multiple vehicles, paid in full, and anti-theft.
  • Liberty Mutual offers premium reductions for new vehicle discount, new graduate, newly married, multi-policy, preferred payment discount, teen driver discount, and safety features.
  • SAFECO policyholders can earn discounts including anti-theft, multi-car, safe driver, drive less, anti-lock brakes, and homeowner.
  • Progressive may include discounts for continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
  • USAA offers discounts for family discount, vehicle storage, multi-vehicle, safe driver, new vehicle, and military installation.

When comparing rates, check with every company to apply every possible discount. Some discounts might not be available to policyholders in every state. For a list of auto insurance companies that offer discounts, enter your zip code here.

Do I need special coverages?

When it comes to choosing the best auto insurance coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions could help you determine whether you may require specific advice.

  • Will I be non-renewed for getting a DUI or other conviction?
  • Will filing a claim cost me more?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I pay less if my vehicle is kept in my garage?
  • Am I covered when driving a rental car?
  • How can I get my company to pay me more for my totalled car?
  • Does medical payments coverage apply to all occupants?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Coverages available on your policy

Understanding the coverages of a insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz GL-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as falling objects, rock chips in glass, damage from flooding and theft. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills for things like EMT expenses, ambulance fees and doctor visits. They are often utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision insurance pays for damage to your GL-Class resulting from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as crashing into a building, hitting a parking meter, sustaining damage from a pot hole, rolling your car and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability car insurance

This protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which stand for 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 insurance covers claims such as medical expenses, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

One last thing about your coverage

In this article, we covered many ideas to get a better price on 2013 Mercedes-Benz GL-Class insurance. It’s most important to understand that the more quotes you get, the better your chances of lowering your premium rates. You may even find the lowest auto insurance rates come from a company that doesn’t do a lot of advertising.

Consumers leave their current company for many reasons like not issuing a premium refund, unfair underwriting practices, extreme rates for teen drivers and delays in paying claims. Regardless of your reason, choosing a new insurance company is less work than it seems.

When you buy auto insurance online, it’s very important that you do not reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage and found out when filing a claim that it was a big error on their part. Your goal should be to find the BEST coverage at the best possible price while still protecting your assets.

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