2012 Mercedes-Benz GL-Class Insurance Cost in 2024 – 6 Savings Tips

Looking for lower car insurance rates for your Mercedes-Benz GL-Class? Feel like you have overpriced car insurance? Believe me, there are many drivers thinking the same thing. Due to the large number of companies and agents to choose from, it can be impossible to locate the lowest cost insurer.

You need to check car insurance prices before your next renewal because insurance prices are constantly changing. Just because you had the best price on GL-Class coverage two years ago other companies may now be cheaper. There is a lot of wrong information about car insurance online, but in just a couple of minutes you can learn some of the best ways to find affordable car insurance.

The best way we recommend to compare policy rates takes advantage of the fact most larger insurance companies actually pay money for the chance to compare their rates. The only thing you need to do is provide information such as your education level, how much coverage you want, your job, and the make and model of your vehicles. That information is then sent to many highly-rated insurers and they provide comparison quotes quickly.

To start a quote now, click here and find out if you can get cheaper insurance.

Double check you’re getting with these six discounts

Some providers don’t always publicize the complete list of policy discounts very well, so we break down a few of the more well known as well as the least known discounts that may be available.

• Anti-theft System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
• Data Collection Discounts – Insureds who allow driving data submission to track their driving habits by using a telematic data system such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts as long as the data is positive.
• Membership in Organizations – Belonging to qualifying employment or professional organizations is a good way to get lower rates on car insurance.
• Early Switch Discount – A few car insurance companies allow discounts for switching to them before your current coverage expires. It’s a savings of about 10%.
• Homeowners Pay Less – Owning your own home or condo can help you save on car insurance because owning a home means you have a higher level of financial diligence.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 25 to 30%.

You can save money using discounts, but some of the credits will not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

Insurance companies that may offer quotes with some of the above discounts possibly include:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

When getting free insurance quotes, it’s a good idea to each company which discounts you qualify for. Some of the discounts discussed earlier might not apply everywhere. If you would like to view insurance companies that have a full spectrum of discounts, enter your zip code here.

Your situation helps dictate your coverage

When choosing proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance needs to address that. For example, these questions might point out if you might need professional guidance.

• Does my personal policy cover me when driving out-of-state?
• Do I need medical payments coverage since I have good health insurance?
• How can I find cheaper teen driver insurance?
• Should I put collision coverage on all my vehicles?
• Is extra glass coverage worth it?
• Does my medical payments coverage pay my health insurance deductible?
• Which companies will insure high-risk drivers?
• How much liability coverage do I need in my state?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, take a second and enter your zip code. It is quick, free and can help protect your family.

Insurance specifics

Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be impossible to understand and coverage can change by endorsement. These are typical coverage types found on most insurance policies.

Liability insurance

This will cover damage that occurs to other’s property or people by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Some companies may use a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as medical services, repair costs for stationary objects, structural damage, attorney fees and legal defense fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for expenses for chiropractic care, hospital visits, EMT expenses and dental work. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Uninsured or underinsured coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz GL-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits do not exceed the liability coverage limits.

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from a tornado or hurricane, hail damage and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision protection

Collision insurance pays for damage to your GL-Class resulting from a collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as crashing into a ditch, backing into a parked car, crashing into a building 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. You can also bump up the deductible to bring the cost down.