Compare 2021 Mercedes-Benz GLE-Class Car 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: Apr 21, 2024

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Locating discount insurance coverage can be difficult for drivers who are new to comparing rates and buying insurance coverage on the internet. With so many insurance agents and insurers available, how are drivers expected to be able to compare each option to find the best price?

You can change your insurance rates

Many things are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like a motor vehicle report, although others are less apparent such as your credit history or how safe your car is. Consumers need to have an understanding of the factors that help determine the rates you pay for insurance coverage. If you know what controls the rates you pay, this enables you to make decisions that may result in much lower annual insurance costs.

Listed below are a few of the “ingredients” used by your company to calculate your prices.

  • Improve your credit score and save – Having a bad credit score can be a huge factor in determining what you pay for insurance coverage. Insureds with good credit tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit leaves room for improvement, you could pay less to insure your 2021 Mercedes-Benz GLE-Class by improving your rating.
  • Teen drivers cost more – Young drivers are statistically shown to be less responsible when driving with friends and because of this, their insurance coverage rates are much higher. Mature drivers are proven to be safer behind the wheel, tend to file fewer claims and receive fewer citations.
  • Extra policy coverages push up premiums – There are quite a few add-on coverages that you can get tricked into buying on your insurance coverage policy. Coverage for things like roadside assistance, high-cost glass coverage, and motor club memberships could be just wasting money. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so eliminate them to save money.
  • Costs for guys may be higher – The statistics show that men are more aggressive behind the wheel. However, this does not mean men are WORSE drivers than women. They both have auto accidents at about the same rate, but the men get into accidents with more damage. Men also get more serious tickets such as reckless driving. Male teenagers cause the most accidents and therefore pay the highest rates.
  • Safer occupants lowers insurance coverage rates – Cars with high safety ratings tend to have better insurance rates. Vehicles built for safety reduce injuries and lower rates of occupant injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
  • Use but don’t abuse your insurance – Car insurance companies award the lowest premiums to people who only file infrequent claims. If you tend to file frequent claims, you can pretty much guarantee either higher rates or even cancellation. Auto insurance is designed for larger claims.

How to buy auto insurance online

Most larger insurance companies such as GEICO, State Farm and Progressive allow you to get pricing direct online. Doing online price comparisons is very simple as all you need to do is type in your required coverages as detailed in the form. After you submit the form the quote system automatically retrieves your driving record and credit report and gives you a price quote based on the data you entered.

Being able to quote online streamlines rate comparisons, but having to visit different websites and enter the same data into a form is repetitive and time-consuming. But it’s absolutely necessary to do this in order to get lower prices.

The preferred way to get multiple rate quotes uses just one form to get prices from a bunch of companies at once. It saves time, reduces the work, and makes online shopping much more enjoyable and efficient. After your information is entered, it is rated and you can select any of the quote results.

If the quotes result in lower rates, you simply finish the application and buy the policy. It takes 15 minutes at the most and you will know how your current rates stack up.

To find out what other companies charge, simply enter your zip code here and fill out the form. To compare your current rates, we recommend you complete the form with the coverage information as shown on your current policy. This ensures you will have a fair comparison using the same coverage and limits.

Don’t believe everything you hear

Big name companies like GEICO, State Farm and Progressive seem to constantly run ads on television and other media. They all seem to have a common claim about savings if you change your policy. It sounds good, but how can they all cost less than your current company? It’s all in the words they use.

Companies have a certain “appetite” for the right customer that will not have excessive claims. An example of a driver they prefer might be between 25 and 40, has had continuous coverage, and drives a vehicle with a low ISO rating. Any person that matches those criteria is entitled to the best price and will most likely save money with a new company.

Insureds who cannot meet the “perfect” profile will probably be forced to pay a more expensive rate which translates to the customer not buying. The trick is to say “people that switch” not “everybody who quotes” can get the lowest rates when switching. That is how companies can truthfully make the claims of big savings.

This really drives home the point why you should compare quotes as often as possible. It is impossible to predict the company that will have the lowest rate quotes.

Affordable car insurance quotes with discounts

Companies don’t always publicize every discount available very well, so the below list has both well-publicized and the more hidden credits available to you.

  • Sign Online – Some larger companies will provide an incentive shop auto insurance on your computer.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you could earn a discount of nearly 15% which can help you find inexpensive auto insurance.
  • Drive Less and Save – Low annual miles can earn slightly better rates than normal.
  • Multiple Cars – Buying coverage for multiple cars on the same car insurance policy may reduce the rate for each vehicle.
  • Save over 55 – Older drivers may receive a discount up to 10% on GLE-Class coverage.
  • Save with a New Car – Buying a new car instead of a used car may earn a small discount since new model year vehicles have better safety ratings.
  • Lower Rates for Military – Having an actively deployed family member can result in better rates.
  • Accident Free – Insureds with no claims or accidents have much lower rates when compared with accident-prone drivers.
  • College Student – Any of your kids who attend college more than 100 miles from home and do not have access to a covered vehicle may be able to be covered for less.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.

As is typical with insurance, most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride.

Popular car insurance companies and some of the discounts are detailed below.

  • GEICO has discounts for good student, federal employee, military active duty, emergency military deployment, five-year accident-free, and driver training.
  • USAA offers premium reductions for vehicle storage, annual mileage, loyalty savings, multi-vehicle, multi-policy, driver training, and new vehicle.
  • Progressive may offer discounts for multi-vehicle, online quote discount, homeowner, online signing, continuous coverage, multi-policy, and good student.
  • American Family has savings for bundled insurance, mySafetyValet, good student, good driver, and multi-vehicle.
  • Esurance discounts include anti-theft, emergency road assistance, DriveSense, multi-policy, anti-lock brakes, homeowner, and multi-car.
  • Farmers Insurance offers discounts for early shopping, distant student, teen driver, bundle discounts, pay in full, multi-car, and business and professional.
  • State Farm offers discounts including driver’s education, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, student away at school, anti-theft, and accident-free.

If you need lower rates, check with every insurance company how you can save money. Savings might not be offered on policies in your area. If you would like to view companies with discount rates, enter your zip code here.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Every situation is different.

For instance, these questions could help you determine if your insurance needs might need professional guidance.

  • Is my teenager covered with friends in the car?
  • Does coverage extend to Mexico or Canada?
  • How can I get my company to pay me more for my totalled car?
  • What is roadside assistance coverage?
  • Is my Mercedes-Benz GLE-Class covered if I use it for business?
  • Am I insured when driving a different vehicle?
  • Are rental cars covered under my policy?
  • What is the rate difference between pleasure use and commuting?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete your zip code.

Auto insurance coverages and their meanings

Understanding the coverages of a auto insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Liability coverage – Liability coverage can cover damage or injury you incur to other people or property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see 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 pays for things like attorney fees, pain and suffering and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Mercedes-Benz GLE-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as funeral costs, EMT expenses, doctor visits, hospital visits and pain medications. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as hitting a bird, hail damage, fire damage, rock chips in glass and damage from getting keyed. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays for damage to your GLE-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, rolling your car, scraping a guard rail, crashing into a building and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Find Good Coverage for Less

We just showed you quite a bit of information on how to save on 2021 Mercedes-Benz GLE-Class insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding inexpensive auto insurance. You may be surprised to find that the best car insurance rates are with some of the smallest insurance companies.

As you prepare to switch companies, make sure you don’t buy poor coverage just to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy the best coverage you can find at the best possible price while still protecting your assets.

More affordable insurance coverage can be found from both online companies and also from your neighborhood agents, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not offer rate quotes online and most of the time these smaller companies only sell through independent agents.

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