Cheaper 2021 Mercedes-Benz GLA-Class Car Insurance Rates in 2024

Are you sick and tired of paying out the nose to insure your Mercedes-Benz every month? You have the same problem as millions of other drivers. Since you have so many companies and agents to choose from, it’s nearly impossible to choose the right insurance provider.

How insurance companies calculate Mercedes-Benz GLA-Class insurance rates

Many different elements are part of the equation when you get your auto insurance bill. Some are obvious like an MVR report, but others are less obvious such as your marital status or your commute time.

• Policy add-ons add up – There are a ton of additional coverages that you can get tricked into buying if you aren’t diligent. Coverages like vanishing deductibles, better glass coverage, and extra equipment coverage are some examples. You may think they are a good idea when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
• Lower rates for married couples – Being married can actually save you money when shopping for auto insurance. Marriage demonstrates that you tend to be more mature and responsible and insurance companies like that married couples file fewer claims.
• Males are more aggressive – Over the last 30 years, statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Males and females cause at-fault accidents at about the same rate, but guys tend to have higher claims. Men also tend to get ticketed for serious violations such as reckless driving. Male teenagers cause the most accidents and thus pay the highest rates.
• Urban areas may pay more – Being located in less populated areas may provide you with better prices when talking about auto insurance. Fewer drivers translates into fewer accident claims in addition to lower liability claims Residents of big cities have more auto accidents and much longer commute distances. More time on the road means more chance of being in an accident.
• Premiums and vocation – Do you work in a high-stress field? Occupational choices like fire fighters, architects and stock brokers are shown to have the highest rates due to intense work requirements and extremely grueling work hours. Other occupations such as actors, historians and retirees pay the least on GLA-Class coverage.
• Poor driving means higher costs – Having a clean driving record impacts premiums far more than you think. Just one speeding ticket or other violation can increase rates substantially. Careful drivers pay lower auto insurance prices compared to drivers with tickets. Drivers who get serious violations like DWI, reckless driving or hit and run convictions are required to prove financial responsibility with their state motor vehicle department in order to continue driving.
• How many coverages with the same company – Some insurance companies allow discounts to people who carry more than one policy, otherwise known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even if you’re getting this discount you still need to comparison shop to guarantee you are still saving the most.
• Pleasure use or commuting – The higher the miles on your Mercedes-Benz annually the more you’ll pay to insure it. Most companies calculate prices based on how the vehicle is used. Vehicles that do not get driven very much receive lower rates than cars that get driven a lot. Having an incorrect usage rating on your GLA-Class may be costing you higher rates. Ask your agent if your auto insurance declarations sheet states annual mileage.

Get lower-cost insurance coverage quotes with discounts

Auto insurance companies don’t necessarily list every possible discount very clearly, so we break down some of the more common and the more hidden savings tricks you should be using when you buy car insurance online.

• Student in College – Any of your kids who are enrolled in a college that is more than 100 miles from home and leave their car at home can receive lower rates.
• Anti-theft Discount – Cars with anti-theft systems can help prevent theft and that can save you a little bit as well.
• Multi-car Discount – Insuring more than one vehicle with the same company could earn a price break for each car.
• Active Service Discounts – Being on active deployment in the military can result in better insurance coverage rates.
• Waiver for an Accident – Not really a discount, but certain companies allow you one accident without getting socked with a rate hike with the catch being you have to be claim-free for a certain period of time.
• Good Students Pay Less – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up until you turn 25.

Don’t be shocked that some of the credits will not apply to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any amount of discount will definitely reduce your policy premium.

Larger insurance coverage companies and their possible discounts can be found below.

• GEICO may offer discounts for seat belt use, anti-lock brakes, federal employee, defensive driver, and five-year accident-free.
• MetLife discounts include good driver, multi-policy, defensive driver, good student, and claim-free.
• State Farm has savings for anti-theft, safe vehicle, accident-free, passive restraint, and Drive Safe & Save.
• Progressive may include discounts for continuous coverage, multi-vehicle, homeowner, online signing, online quote discount, good student, and multi-policy.
• Mercury Insurance policyholders can earn discounts including multi-policy, professional/association, location of vehicle, good student, anti-theft, ease of repair, and accident-free.
• 21st Century offers premium reductions for defensive driver, air bags, theft prevention, good student, early bird, 55 and older, and anti-lock brakes.
• Allstate has discounts for safe driver, premier discount, FullPay discount, early signing, good student, EZ pay plan discount, and resident student.

When quoting, ask every insurance company which discounts they offer. Some discounts might not be offered on policies in your area. If you would like to see a list of insurance companies offering insurance coverage discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying adequate coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

• Am I covered when driving someone else’s vehicle?
• What is the ISO rating for a 2021 Mercedes-Benz GLA-Class?
• When does my teenage driver need to be added to my policy?
• Are my tools covered if they get stolen from my vehicle?
• What discounts do I qualify for?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Where can I find high-risk insurance?
• How high should deductibles be on a 2021 Mercedes-Benz GLA-Class?
• Are my friends covered when driving my car?
• Do I have coverage for damage caused while driving under the influence?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete your zip code. It only takes a few minutes and you can get the answers you need.

Auto insurance coverage considerations

Knowing the specifics of your auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages available from auto insurance companies.

Liability coverage

This coverage will cover damage or injury you incur to other’s property or people. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as court costs, legal defense fees, structural damage, pain and suffering and repair bills for other people’s vehicles. 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.

UM/UIM Coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mercedes-Benz GLA-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, hitting a deer and damage from flooding. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like funeral costs, dental work, rehabilitation expenses and pain medications. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision protection

Collision insurance will pay to fix damage to your GLA-Class caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Quote more. Save more.

When you buy car insurance online, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced collision coverage to discover at claim time that the small savings ended up costing them much more. Your strategy should be to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Low-cost 2021 Mercedes-Benz GLA-Class insurance can be purchased online as well as from insurance agents, and you need to price shop both to have the best rate selection. Some insurance providers do not offer rate quotes online and most of the time these smaller providers only sell through local independent agencies.