2016 Mercedes-Benz GLA-Class Car Insurance Rates in 2024

Looking for better insurance coverage rates for your Mercedes-Benz GLA-Class? Paying for high-priced Mercedes-Benz GLA-Class insurance can empty your savings and force you to tighten up your finances.

There are many car insurance companies to choose from, and although it’s a good thing to be able to choose, it makes it harder to compare company pricing.

It’s a great practice to shop coverage around before your policy renews since insurance prices change quite often. Even if you think you had the best deal for GLA-Class coverage six months ago you can probably find a lower rate today. Ignore everything you know about insurance coverage because you’re going to learn the best way to lower your annual insurance bill.

This article will introduce you to how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you should be able to save some money using this information. But car owners can benefit by having an understanding of how big insurance companies sell insurance online and take advantage of how the system works.

Take advantage of every car insurance discount

Car insurance is not cheap, but you may find discounts that may help make it more affordable. Many of these discounts will be applied automatically at the time of purchase, but less common discounts must be requested specifically prior to receiving the credit. If you’re not getting every credit available, it’s possible you qualify for a lower rate.

• Switch and Save Discount – Some insurance companies provide a discount for renewing your policy prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
• Own a Home – Owning a home can help you save on car insurance since owning and maintaining a home is proof of financial responsibility.
• E-sign – A handful of car insurance companies will give you a small discount for buying your policy digitally online.
• Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you can actually save on your bill.
• Clubs and Organizations – Affiliation with qualifying employment or professional organizations could earn you a nice discount on your policy.
• Drive Safe and Save – Insureds who avoid accidents can save up to 40% or more on their auto insurance quote for GLA-Class coverage than drivers with accidents.
• Good Grades Discount – Getting good grades may save you up to 25%. Most companies allow this discount up to age 25.
• Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts could save 15% on the premium charged for medical payments and/or PIP.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to all coverage premiums. A few only apply to the cost of specific coverages such as medical payments or collision. Just because you may think you could get a free car insurance policy, companies wouldn’t make money that way.

A few popular companies and some of their more popular discounts are detailed below.

• The Hartford policyholders can earn discounts including air bag, good student, bundle, anti-theft, defensive driver, driver training, and vehicle fuel type.
• American Family offers premium reductions for defensive driver, TimeAway discount, early bird, multi-vehicle, air bags, mySafetyValet, and good driver.
• Progressive may offer discounts for online signing, online quote discount, continuous coverage, multi-vehicle, and multi-policy.
• Travelers includes discounts for multi-policy, continuous insurance, IntelliDrive, early quote, hybrid/electric vehicle, multi-car, and home ownership.
• Farmers Insurance may include discounts for mature driver, bundle discounts, good student, business and professional, youthful driver, switch companies, and homeowner.
• USAA offers discounts for new vehicle, driver training, vehicle storage, safe driver, loyalty savings, and family discount.
• Liberty Mutual discounts include hybrid vehicle, preferred payment discount, exclusive group savings, good student, new graduate, multi-car, and multi-policy.

When comparing rates, check with each insurance company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply to policies in your area. To view insurance companies that offer some of these discounts, enter your zip code here.

First Step: Get free insurance coverage quotes

To find cheap auto insurance quotes, there are several ways of comparing rate quotes from insurance coverage companies in your area. The best method to lower the rate you pay for 2016 Mercedes-Benz GLA-Class insurance consists of shopping online. This is quite simple and can be completed in several different ways.

1. One of the simplest ways to get the best comparison quotes is a comparison rater form. This form eliminates the need for boring form submissions for each company. A single, simple form will return quotes from several companies.
2. A less efficient way to find more affordable insurance requires a trip to each company’s website and repeat the quote process again and again. For examples sake, let’s assume you want rates from Farmers, Progressive and Travelers. You would need to go to each individual site to enter your coverage information, which can get rather old.
3. The least efficient and most time consuming way to quote and compare insurance rates is driving to insurance agents’ offices. Comparing rates online has made agencies unnecessary unless you’re the type of person who wants the professional assistance of a local agency. You can, however, price shop online but have a local agent actually write the policy.

Compare rates however you want, just make sure you compare the same coverage limits and deductibles with each company. If you have different liability limits it’s impossible to determine which rate is truly the best. Just slight variations in insurance coverages may cause a big price difference. Just remember that comparing a wide range of rates provides better odds of finding lower pricing.

How to know if you need help

When choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine if your situation may require specific advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Will my rates increase for filing one claim?
• When should I remove comp and collision on my 2016 Mercedes-Benz GLA-Class?
• Do I have coverage when pulling a U-Haul trailer?
• What can I do if my company denied a claim?
• When should I buy a commercial auto policy?
• Does my policy cover my teen driver if they drive my company car?
• How high should my uninsured/underinsured coverage be in my state?
• Why am I required to buy high-risk coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, fill out your zip code.

What auto insurance coverages do you need?

Understanding the coverages of auto insurance helps when choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Liability – This will cover damage or injury you incur to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like bail bonds, loss of income, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2016 Mercedes-Benz GLA-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive coverages – This pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, damage from a tornado or hurricane, hitting a deer and falling objects. The maximum payout your auto insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This pays for damage to your GLA-Class resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like crashing into a ditch, crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for expenses for chiropractic care, ambulance fees, EMT expenses, X-ray expenses and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Online plus local equals savings

When you buy auto insurance online, don’t be tempted to buy less coverage just to save a little money. There have been many situations where someone sacrificed liability limits or collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage at a price you can afford, but don’t skip important coverages to save money.

We just covered quite a bit of information on how to reduce 2016 Mercedes-Benz GLA-Class insurance car insurance rates online. The key thing to remember is the more times you quote, the better chance you’ll have of finding inexpensive auto insurance. Consumers could even find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. Regional companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate and Progressive.

Cost effective 2016 Mercedes-Benz GLA-Class insurance can be found online and from local agencies, so get free auto insurance quotes from both of them in order to have the best price selection to choose from. Some insurance providers may not have the ability to get a quote online and usually these smaller companies sell through independent agents.