Cheapest 2016 Mercedes-Benz GLE-Class Insurance Rates in 2023
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UPDATED: May 12, 2022
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Searching for cheaper insurance rates? Consumers have options when looking for affordable Mercedes-Benz GLE-Class insurance. They can either waste time calling around getting price quotes or leverage the internet to get rate quotes.
There are both good and bad ways to compare insurance rates so you’re going to learn the proper way to quote coverages for a Mercedes-Benz and get the best price possible either online or from local insurance agents.
Cut your premium with these seven discounts
The cost of insuring your cars can be expensive, but discounts can save money and there are some available that many people don’t even know exist. Most are applied at the time you complete a quote, but lesser-known reductions have to be asked for in order for you to get them. If you aren’t receiving every discount possible, you’re just leaving money on the table.
- Distant Student – Kids in college who live away from home without a vehicle on campus may be able to be covered for less.
- Federal Employees – Simply working for the federal government can earn a discount up to 10% on GLE-Class coverage with a few insurance companies.
- 55 and Retired – Mature drivers may qualify for a discount up to 10% on GLE-Class coverage.
- Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
- Air Bag Discount – Vehicles with factory air bags or automatic seat belts can get savings of up to 25% or more.
- Anti-theft System – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
- Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
As a disclaimer on discounts, most discount credits are not given the whole policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will reduce your overall premium however.
To see a list of insurers offering insurance discounts, click this link.
What is the best insurance coverage?
When buying proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.
For example, these questions might point out whether you would benefit from an agent’s advice.
- What is medical payments coverage?
- Do I have coverage when pulling a U-Haul trailer?
- Where can I find high-risk insurance?
- Will my insurance pay for OEM parts?
- Should I bundle my homeowners policy with my auto?
- Am I covered if I hit a deer?
If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Insurance policy specifics
Understanding the coverages of a insurance policy aids in choosing the best coverages for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Coverage for collisions
This pays for damage to your GLE-Class resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as colliding with a tree, rolling your car and backing into a parked car. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.
Medical expense coverage
Medical payments and Personal Injury Protection insurance kick in for expenses like prosthetic devices, X-ray expenses and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz GLE-Class.
Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird, theft and damage from getting keyed. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.
Liability coverage will cover damage that occurs to other people or property in an accident. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like repair bills for other people’s vehicles, pain and suffering, bail bonds, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.
Online plus local equals savings
Lower-priced 2016 Mercedes-Benz GLE-Class insurance can be purchased from both online companies in addition to many insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not provide online price quotes and these small, regional companies work with independent agents.
In this article, we covered a lot of tips how to save on insurance. The key concept to understand is the more quotes you get, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a smaller regional carrier.
When you buy insurance online, make sure you don’t skimp on coverage in order to save money. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage for the lowest price.
Even more information can be found in the articles below:
- Crash Avoidance Technologies FAQ (iihs.org)
- Distracted Driving Extends Beyond Texting (State Farm)
- Insuring a Leased Car (Insurance Information Insitute)
- Safety Tips for Teen Drivers (Insurance Information Insitute)
- Driving in Bad Weather (Insurance Information Insitute)
- Information for Teen Drivers (GEICO)
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