2010 Mercedes-Benz GL-Class Car Insurance Quotes – 8 Tricks for Cheaper Rates

Trying to find the cheapest insurance coverage rates for your Mercedes-Benz GL-Class? Searching for the cheapest insurance for a Mercedes-Benz GL-Class could be difficult, but you can use the following methods to make it easier.

There is a better way to find insurance coverage online so we’re going to tell you the best way to price shop coverage on a Mercedes-Benz and obtain the best price possible from local insurance agents and online providers.

Pricing the lowest cost insurance can be fairly easy. If you have a current insurance policy or need new coverage, you can use this information to find better prices and possibly find even better coverage. Drivers just need to know the proper methods to compare company rates online.

Get lower rates by taking advantage of these eight discounts

Insuring your vehicles can cost a lot, but companies offer discounts that many people don’t even know exist. Some discounts will apply when you quote, but a few must be inquired about before being credited.

  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to use a seat belt may be able to save a few bucks on medical payment and PIP coverage.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates on GL-Class insurance than drivers with accident claims.
  • Defensive Driver – Participating in a defensive driver course could possibly earn you a 5% discount if your company offers it.
  • Federal Government Employee – Federal government employees can earn a discount up to 10% on GL-Class insurance but check with your company.
  • Multi-line Discount – Not all companies offer life insurance, but some may give you lower prices if you buy life insurance from them.
  • Active Military Service – Being deployed with a military unit may qualify for rate reductions.
  • Multi-Vehicle Discounts – Buying insurance for multiple cars on a single policy can reduce the rates for all insured vehicles.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies permit an accident before hitting you with a surcharge if your claims history is clear before the accident.

We need to note that most discount credits are not given to the entire policy premium. Most only reduce the cost of specific coverages such as comp or med pay. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will positively reduce your policy premiums.

Larger insurance coverage companies and some of their more popular discounts include:

  • AAA offers premium reductions for pay-in-full, good driver, AAA membership discount, anti-theft, education and occupation, and multi-policy.
  • Progressive includes discounts for homeowner, online quote discount, good student, multi-policy, online signing, multi-vehicle, and continuous coverage.
  • State Farm policyholders can earn discounts including good driver, multiple autos, anti-theft, safe vehicle, and defensive driving training.
  • Esurance has savings for paid-in-full, multi-policy, online shopper, good driver, homeowner, renters, and emergency road assistance.
  • Nationwide offers discounts for anti-theft, accident-free, Farm Bureau membership, good student, and business or organization.

When getting a coverage quote, ask every insurance company which credits you are entitled to. Savings might not be offered in your area. For a list of companies that offer many of these discounts, click here.

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions could help you determine whether your personal situation could use an agent’s help.

  • Should I buy only the required minimum liability coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have any recourse if my insurance company denies a claim?
  • What are the financial responsibility laws in my state?
  • Who is covered by my policy?
  • Where can I get insurance after a DUI in my state?
  • Can I rent a car in Mexico?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages explained

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Liability

Liability coverage provides protection from damage or injury you incur to people or other property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as bail bonds, pain and suffering, court costs, funeral expenses and attorney fees. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as surgery, EMT expenses, pain medications and chiropractic care. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hail damage, damage from a tornado or hurricane, falling objects and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto collision coverage

Collision coverage will pay to fix damage to your GL-Class caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like damaging your car on a curb, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz GL-Class.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Make a quick buck

Consumers change insurance companies for a number of reasons such as high rates after DUI convictions, not issuing a premium refund, high prices or being labeled a high risk driver. No matter why you want to switch, finding a new insurance company is less work than it seems.

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where someone sacrificed full coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest cost, but do not skimp to save money.

You just learned quite a bit of information on how to shop for 2010 Mercedes-Benz GL-Class insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding the cheapest insurance. You may even find the lowest rates are with a company that doesn’t do a lot of advertising.

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