Lower Your 2016 Mercedes-Benz GL-Class Car Insurance Quotes in 2024

Want lower car insurance rates for your Mercedes-Benz GL-Class? Wish you could get out of high-priced car insurance? You’re in good company because many consumers feel financially strained by their car insurance policy.

Numerous insurance companies battle for your insurance dollar, and it can be difficult to compare rates to get the best rate

How much is auto insurance?

The are a couple different ways to compare prices from local auto insurance companies. By far the easiest way to find affordable 2016 Mercedes-Benz GL-Class insurance rates is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

• The recommended way to get quotes for comparison is to use a rate comparison form. This type of form eliminates the need for separate quotation requests for every company. A single, simple form gets insurance cost estimates from several companies.
• A less efficient way to obtain and compare quotes online requires a trip to the website of each company and repeat the quote process. For example, let’s assume you are doing a rate comparison from Auto-Owners, Progressive and State Farm. You would have to go to every website and repeatedly enter your information, which can get old fast.

You can use whichever method you prefer to find lower rates, just compare the exact same coverage information for every company. If you enter different limits and deductibles on each one it will be nearly impossible to determine which company has the best rates. Quoting even small variations in insurance coverages or limits can result in a big premium difference. Just remember that comparing more company’s prices helps you find the best price. Not every company allows you to get prices over the internet, so you need to compare quotes from them, too.

Insurance coverage discounts are available to cut your rates

Insurance coverage can be pricey, but there’s a good chance there are discounts that you may not know about. A few discounts will automatically apply at the time of purchase, but some discounts are required to be specifically requested before being credited.

• Discount for Switching Early – Some insurance companies give discounts for buying a new policy prior to your current policy expiration. You can save around 10% with this discount.
• Resident Student – Older children living away from home attending college and do not take a car to college may qualify for this discount.
• Club Memberships – Joining a professional or civic organization could qualify you for a break on insurance coverage.
• Employee of Federal Government – Having worked for a branch of the government can earn a discount up to 10% for GL-Class coverage with select insurance companies.
• Life Insurance – Companies who offer life insurance give a discounted insurance coverage rate on car insurance if you buy life insurance.
• Accident Waiver – Not a discount per se, but a few companies such as Allstate, State Farm and GEICO will allow you to have one accident without raising rates if you have no claims prior to being involved in the accident.
• ABS Braking Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions and qualify for as much as a 10% discount.
• Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.

As a sidenote, most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comprehensive or collision. Even though it appears adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Auto insurance companies that may offer most of the discounts above are:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

When getting free insurance quotes, it’s a good idea to each company or agent what discounts are available to you. Some discounts listed above might not apply in your area. To see providers who offer insurance coverage discounts, enter your zip code here.

How to lower your insurance prices

Lots of things are used when quoting car insurance. Some factors are common sense like a motor vehicle report, but other criteria are not as apparent such as your credit history and annual miles driven.

• Why do you need liability insurance? – Your car insurance policy’s liability coverage is the protection in the event that you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so do not skimp.
• Poor credit rating equals high rates – A driver’s credit rating is a big factor in calculating your car insurance rates. So if your credit can be improved, you could be paying less to insure your 2016 Mercedes-Benz GL-Class by improving your credit score. Insureds that have good credit tend to be better drivers and file fewer claims than drivers who have worse credit.
• Frequent car insurance claims will cost more – Companies generally give lower rates to drivers who are claim-free. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
• Deter car thieves – Choosing to buy a car that has a built-in theft deterrent system can get you a discount on your car insurance. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping vehicle theft.

Everyone needs different car insurance coverages

When it comes to choosing the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out if you will benefit from professional help.

• How high should deductibles be on a 2016 Mercedes-Benz GL-Class?
• Can my teen drive my company car?
• How much liability insurance is required?
• Why am I be forced to buy a membership to get insurance from some companies?
• What is no-fault insurance?
• What is an SR-22 filing?
• Should I rate my 2016 Mercedes-Benz GL-Class as pleasure use or commute?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, complete your zip code.

Coverages available on your policy

Knowing the specifics of a auto insurance policy helps when choosing the best coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the usual coverages found on most auto insurance policies.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Mercedes-Benz GL-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability coverages

Liability insurance protects you from damage that occurs to people or other property in an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, repair costs for stationary objects, medical services, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers claims such as damage from getting keyed, a tree branch falling on your vehicle, fire damage and theft. 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 probably time to drop comprehensive insurance.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like dental work, EMT expenses, chiropractic care, ambulance fees and pain medications. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, hitting a parking meter, colliding with a tree, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Do the work, save more money

Lower-priced 2016 Mercedes-Benz GL-Class insurance is available on the web in addition to many insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance providers may not offer rate quotes online and many times these regional carriers work with independent agencies.

As you quote insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced full coverage only to regret that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.