Cheaper 2019 Mercedes-Benz GL-Class Insurance Quotes 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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Looking for the cheapest insurance coverage rates for your Mercedes-Benz GL-Class? Are you irritated from sacrificing to pay insurance coverage each month? You have the same problem as many other consumers. Vehicle owners have many car insurance companies to choose from, and although it’s nice to be able to choose, having more car insurance companies makes it harder to find the lowest rates.

It is always a good idea to check insurance coverage prices quite often since prices fluctuate regularly. Even if you got the best deal for GL-Class coverage last year you can probably find a lower rate today. There are lots of tips to save on insurance coverage online but we’re going to give you some great ways to lower your insurance coverage bill.

This article will let you in on the best way to quote coverages and some tricks to saving. If you currently have car insurance, you will most likely be able to cut costs considerably using this information. Drivers just need to know the best way to buy insurance coverage online.

Where can I get affordable insurance?

Most of the larger companies allow you to get coverage price quotes directly from their websites. Getting online quotes is fairly simple because you just enter into the quote form. Once you submit the form, the quote system pulls credit information and your driving record and returns pricing information determined by many factors. This streamlines rate comparisons, but the process of having to visit different websites and complete many quote forms can be a bit tiresome and repetitive. But it is imperative to have as many quotes as possible in order to get lower prices.

The easiest way to get multiple rate quotes uses one form to get prices from more than one company. It’s a real time-saver, helps eliminate repetitive entry, and makes online quotes much easier to do. After your information is entered, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If the quotes result in lower rates, it’s easy to complete the application and buy the policy. The entire process just takes a couple of minutes and you’ll know if lower rates are available.

To compare rates using this form now, simply enter your zip code here and fill out the form. If you have coverage now, it’s recommended you replicate the insurance coverages as shown on your current policy. Using the same limits helps guarantee you’re receiving a fair comparison for the exact same coverage.

Double check you’re getting these premium-slashing discounts

Insurance coverage is neither fun to buy or cheap, but there are discounts available that you may not even know about. Some of these discounts will be visible when you quote, but some must be asked about before being credited. If you’re not getting every credit you qualify for, you could be saving more on your insurance coverage.

  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may get savings of 20% or more.
  • Cautious Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates for GL-Class coverage compared to rates paid by drivers with frequent claims.
  • Sign Online – Some larger companies will give you a small discount for completing your application on your computer.
  • No Charge for an Accident – but companies like Allstate and Progressive may permit one accident without the usual rate increase if you are claim-free for a set time period.
  • Multiple Cars – Buying coverage for multiple cars or trucks with the same insurance coverage company can get a discount for every vehicle.
  • Senior Citizen Rates – If you’re over the age of 55, you may qualify for a small discount on rates for GL-Class coverage.
  • Good Students Pay Less – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you up to age 25.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you may have a lower total premium amount.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Driver’s Education for Students – Teen drivers should take driver’s ed class if offered at their school.

Please keep in mind that some of the credits will not apply to the whole policy. Most cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think you can get free auto insurance, you won’t be that lucky.

A list of companies and a partial list of their discounts are:

  • GEICO has savings for multi-policy, driver training, defensive driver, emergency military deployment, multi-vehicle, and daytime running lights.
  • Travelers may have discounts that include save driver, home ownership, driver training, good student, multi-policy, multi-car, and continuous insurance.
  • Farm Bureau may offer discounts for multi-vehicle, multi-policy, youthful driver, good student, 55 and retired, and driver training.
  • Liberty Mutual discounts include preferred payment discount, teen driver discount, good student, new graduate, newly retired, and new vehicle discount.
  • American Family offers discounts for early bird, air bags, good driver, accident-free, and multi-vehicle.
  • Progressive policyholders can earn discounts including multi-vehicle, continuous coverage, online quote discount, homeowner, and online signing.

If you are trying to find cheaper auto insurance quotes, ask all companies you are considering which discounts you qualify for. Some of the earlier mentioned discounts might not apply in every state.

Seven things that affect your insurance premiums

Multiple criteria are part of the equation when you get a price on insurance. A few of the factors are predictable like your driving record, although some other factors are not as apparent like your vehicle usage or your financial responsibility. When buying insurance coverage it’s important to understand the different types of things that are used to determine the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this enables you to make decisions that may reward you with lower premium levels.

  • Safeguard your assets with liability protection – The liability section of your policy provides coverage if ever a jury decides you are liable for physical damage or personal injury to other. It will provide legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Improve your credit rating and save – An insured’s credit rating factor in determining what you pay. Drivers with very high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores. If your credit history is not that good, you could pay less to insure your 2019 Mercedes-Benz GL-Class by improving your rating.
  • Extra coverages are wasting money – Insurance policies have a lot of extra coverages that you can buy if you aren’t careful. Insurance for things like vanishing deductibles, death and dismemberment, and motor club memberships may be costing you every month. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so think about removing them and cutting costs.
  • Traffic violations can be expensive – Your driving record has a huge affect on how much you pay. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Having a single citation can increase the cost of insurance forty percent or more. Drivers unfortunate enough to have dangerous citations such as DWI, reckless driving or hit and run convictions may need to file a SR-22 with their state motor vehicle department in order to prevent their license from being revoked.
  • Prices may be higher where you live – Being located in a small town is a good thing if you are looking for the lowest rates. Lower population means a lower chance of having an accident and lower theft and vandalism rates. People who live in big cities have to deal with more road rage incidents and longer commute times. The longer drive time means more chances of being involved in an auto accident.
  • Experienced drivers save more – Older people are shown to be more cautious, tend to file fewer claims , and usually have better credit. Beginning drivers tend to be less responsible behind the wheel therefore insurance coverage rates are much higher.
  • Get married and pay lower costs – Having a significant other may cut your premiums compared to being single. It translates into being more stable financially and statistics prove drivers who are married file infrequent claims.

Do I need special coverages?

When it comes to buying the best insurance coverage coverage, there is no perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Do I pay less for low miles?
  • Why do I need rental car insurance?
  • Should I buy additional glass protection?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Who is covered when they drive my 2019 Mercedes-Benz GL-Class?
  • How do I insure my teen driver?
  • What if I don’t agree with a claim settlement offer?
  • What is roadside assistance coverage?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages 101

Learning about specific coverages of insurance aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Comprehensive insurance – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a deer, theft and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like surgery, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2019 Mercedes-Benz GL-Class.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits do not exceed the liability coverage limits.

Collision coverages – This pays for damage to your GL-Class from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, hitting a mailbox, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Coverage for liability – Liability coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like loss of income, funeral expenses, medical services, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Be a smart shopper

Throughout this article, we presented a lot of tips how to compare 2019 Mercedes-Benz GL-Class insurance premium rates online. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest auto insurance. You may be surprised to find that the biggest savings come from some of the smallest insurance companies. These companies may have significantly lower prices on certain market segments compared to the large companies like State Farm or Progressive.

The cheapest 2019 Mercedes-Benz GL-Class insurance can be bought on the web in addition to many insurance agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some car insurance companies may not have rate quotes online and these regional insurance providers only sell coverage through local independent agents.

As you quote auto insurance, do not buy poor coverage just to save money. In many cases, someone sacrificed physical damage coverage and found out when filing a claim that the small savings ended up costing them much more. The goal is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

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