Save on 2024 Mercedes-Benz GLA-Class Insurance Cost

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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 26, 2024

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No one in their right mind looks forward to paying for insurance coverage, in particular when the price is too high. There is such a variety of insurers to insure vehicles with, and although it’s nice to have a selection, it makes it harder to compare rates.

Compare free insurance rate quotes

Finding a better price on insurance is not a difficult process. You just have to take the time comparing rates to find. Insurance prices can be quoted using one of these methods.

  1. The most recommended method consumers can analyze rates would be an industry-wide quote request form. This type of form saves time by eliminating repetitive form submissions to each individual insurance company. One simple form compares rates from several companies.
  2. A less efficient way to get comparison quotes requires a visit to each company’s website and go through the quote process again. For instance, we’ll pretend you want to view quotes from Progressive, Farmers and Travelers. To do that, you would have to spend time going to each site individually to enter the same coverage data repeatedly, which is why most consumers use the first method.
  3. The final way to compare rates is driving around to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you prefer the trained advice of a licensed agent. However, consumers can comparison shop your insurance online but have a local agent actually write the policy.

The approach you take is up to you, just try to keep nearly identical deductibles and coverage limits for each price quote. If you are comparing different deductibles it will be nearly impossible to determine which rate is truly the best.

Discounts can really help save money

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not even be aware of. Some of these discounts will be visible when you purchase, but once in a while a discount must be manually applied before being credited.

  • Good Student Discount – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Low Miles Discount – Driving fewer miles may allow you to get better car insurance rates on cars that stay parked.
  • Military Deployment Discount – Being deployed in the military could trigger a small discount.
  • Onboard Data Collection – Policyholders that allow driving data collection to track driving manner by using a small device installed in their vehicle such as State Farm’s In-Drive might get better premium rates if they exhibit good driving behavior.
  • Safe Drivers – Insureds who avoid accidents may save up to 50% more on GLA-Class insurance compared to rates paid by drivers with frequent claims.
  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on car insurance quote as compared to accident-prone drivers.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school.
  • Pay Early and Save – If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Discount – If you qualify as a senior citizen, you could receive a small discount on rates on GLA-Class insurance.

Don’t be shocked that some credits don’t apply to your bottom line cost. Some only reduce individual premiums such as comp or med pay. Despite the appearance that you could get a free car insurance policy, it just doesn’t work that way.

A list of companies and their offered discounts are:

  • State Farm may offer discounts for multiple policy, good driver, multiple autos, Drive Safe & Save, student away at school, passive restraint, and driver’s education.
  • Farmers Insurance may include discounts for switch companies, youthful driver, bundle discounts, alternative fuel, homeowner, mature driver, and good student.
  • Progressive may have discounts that include good student, multi-policy, online quote discount, continuous coverage, homeowner, and online signing.
  • GEICO offers discounts including multi-vehicle, five-year accident-free, anti-theft, air bags, and seat belt use.
  • Auto-Owners Insurance has savings for multi-policy, safe driver, group or association, safe vehicle, and anti-theft.
  • The Hartford offers discounts for anti-theft, vehicle fuel type, driver training, defensive driver, good student, and bundle.
  • Farm Bureau offers premium reductions for multi-vehicle, 55 and retired, good student, driver training, and safe driver.
  • USAA policyholders can earn discounts including good student, vehicle storage, multi-vehicle, safe driver, annual mileage, and family discount.

When comparing rates, check with each company the best way to save money. Some discounts might not apply in your area.

Will just any policy work for me?

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Each situation is unique so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from an agent’s advice.

  • At what point should I drop full coverage?
  • Does my medical payments coverage pay my health insurance deductible?
  • When should I drop full coverage on my 2024 Mercedes-Benz GLA-Class?
  • Am I covered if I hit my neighbor’s mailbox?
  • How high should my uninsured/underinsured coverage be in my state?
  • What is the rate difference between pleasure use and commuting?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

What car insurance coverages do you need?

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find typical coverages available from car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz GLA-Class.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits are set the same as your liability limits.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from flooding, hail damage, vandalism, a broken windshield and damage from a tornado or hurricane. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance

This can cover damage that occurs to other people or property in an accident. It protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability insurance covers claims like funeral expenses, attorney fees, court costs, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying higher limits if possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like damaging your car on a curb, driving through your garage door, scraping a guard rail, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for things like prosthetic devices, surgery and pain medications. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

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