2023 Mercedes-Benz GLS-Class Car Insurance Quotes in 2024 – 5 Ways to Save

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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: May 9, 2024

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Did a good deal turn out to be an overpriced insurance coverage policy? Trust us, many consumers are in the same pinch.

Big companies like Allstate, Liberty Mutual and State Farm continually hit you with ad campaigns and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s a good idea to get comparison quotes quite often because prices go up and down regularly. Just because you had the best quotes for GLS-Class insurance last year you can probably find a better rate now. Forget all the misinformation about insurance coverage because you’re about to learn the right way to properly buy coverages and cut your premium.

How to compare insurance coverage price quotes

To find the best insurance coverage quotes, there are several ways to compare quotes from local insurance coverage companies. The fastest way to do a complete rate comparison is to jump online and get quotes. This can be accomplished using a couple different methods.

  1. The recommended way to find the lowest comparison rates is to use a rate comparison form. This method prevents you from having to do separate quote forms for each company. A single, simple form gets insurance cost estimates from multiple companies.
  2. A less efficient way to find more affordable insurance is to manually visit the website of each company and repeat the quote process again and again. For instance, let’s assume you need rates from Farmers, Esurance and Progressive. In order to compare rates, you need to navigate to each company’s site and enter your information, which can be really labor intensive.

It’s up to you how you get prices quotes, just make sure you compare equivalent deductibles and coverage limits on every quote. If you have differing limits you will not be able to truly determine the lowest rate. Even a minor difference in coverage limits could skew the results. And when comparing insurance coverage rates, know that quoting more will enable you to find a lower rate. Some insurance companies are not set up to provide online quotes, so it’s necessary to compare prices from those companies as well.

Discount insurance coverage quotes

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to reduce the price significantly. Some discounts will apply at the time of quoting, but some need to be specifically requested before you get the savings.

  • College Student Discount – Youth drivers who live away from home to go to college and leave their car at home could qualify for this discount.
  • Onboard Data Collection – Insureds who allow driving data submission to study driving manner remotely such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they are good drivers.
  • Paperwork-free – Certain insurance coverage companies provide a small discount for buying your policy on the internet.
  • Homeowners Discount – Being a homeowner may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use a seat belt could save 15% off the personal injury premium cost.

A quick disclaimer, some credits don’t apply to the entire policy premium. Most only cut the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

Large insurance coverage companies and some of the premium reductions they offer can be read below.

  • Esurance may include discounts for Switch & Save, multi-policy, paid-in-full, emergency road assistance, Pac-12 alumni, safety device, and DriveSense.
  • The Hartford offers discounts including anti-theft, good student, defensive driver, driver training, and air bag.
  • AAA may offer discounts for good driver, multi-car, multi-policy, AAA membership discount, and anti-theft.
  • GEICO has discounts for emergency military deployment, federal employee, membership and employees, military active duty, anti-lock brakes, and good student.
  • State Farm offers discounts for Steer Clear safe driver discount, driver’s education, anti-theft, passive restraint, and good driver.

Check with all companies you are considering how many discounts you can get. Some credits might not be offered on policies in your area. To see a list of companies with significant discounts, enter your zip code here.

Tailor your insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions can aid in determining whether you will benefit from professional help.

  • Will my insurance pay for OEM parts?
  • Do I need medical payments coverage since I have good health insurance?
  • I have health insurance so do I need medical payments coverage?
  • How do I insure my teen driver?
  • If my 2023 Mercedes-Benz GLS-Class is totaled, can I afford another vehicle?
  • Can my teen drive my company car?
  • Should I sign the liability waiver when renting a car?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete your zip code.

Car insurance coverage breakdown

Understanding the coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on the average car insurance policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses such as prosthetic devices, ambulance fees, doctor visits, funeral costs and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages – This coverage provides protection from damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, legal defense fees, repair costs for stationary objects and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, a tree branch falling on your vehicle, rock chips in glass, vandalism and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision coverage – Collision coverage covers damage to your GLS-Class caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, rolling your car, crashing into a ditch, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

A fool and his money are soon parted

You just read a lot of ways to save on 2023 Mercedes-Benz GLS-Class insurance. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the best rates are with a lesser-known regional company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Allstate or State Farm.

While you’re price shopping online, don’t be tempted to reduce coverage to reduce premium. Too many times, someone sacrificed full coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest cost while still protecting your assets.

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