2011 Mercedes-Benz GL-Class Insurance Cost – 5 Tips for Best Prices

I really doubt anyone likes paying for insurance coverage, especially when they are aware that the cost is way too high.

Insurance companies such as Allstate, Progressive and GEICO all claim big savings with ad campaigns and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

It’s important to get comparison quotes as often as possible because insurance prices change regularly. Even if you got the best rates for GL-Class coverage last year you can probably find a lower rate today. Don’t believe everything you read about insurance coverage online, but in a few minutes you can learn some excellent ideas to slash your insurance coverage rates.

If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. Buying car insurance is easy if you know what you’re doing. But drivers must learn how the larger insurance companies sell insurance online and apply this information to your search.

Low cost car insurance

Comparing car insurance rates can be a lot of work if you don’t know the fastest way to get free quotes. You can waste hours talking about coverages with local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

Many insurance companies participate in an industry program that allows shoppers to enter their policy data once, and each participating company can provide price quotes based on that information. This eliminates the need for quote requests to each company.

To participate in this free quote system, click to open in new window.

The only downside to comparing rates this way is you can’t choose the insurers to get pricing from. So if you want to select individual companies to compare prices, we put together a list of companies who write car insurance in your area. Click here for list of insurance companies.

The approach you take is up to you, just ensure you are comparing nearly identical coverages with each company. If you enter different data it will be nearly impossible to make a fair comparison for your Mercedes-Benz GL-Class. Just slight variations in insurance coverages could mean much higher rates. Just remember that comparing more quotes helps locate more affordable insurance. Some regional insurers cannot provide price estimates online, so it’s important to also get rates from them, too.

Get affordable insurance coverage quotes with discounts

Some providers don’t always publicize every discount they offer very well, so the next list breaks down a few of the more common and the more hidden discounts that may be available.

  • Accident Free – Good drivers with no accidents get the best insurance coverage rates in comparison with accident-prone drivers.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
  • ABS Brakes – Cars equipped with ABS or steering control can stop better under adverse conditions and earn discounts up to 10%.
  • Own a Home – Owning your own home or condo can get you a discount since home ownership requires personal responsibility.
  • Driver Safety – Taking part in a safe driver course could earn you a small percentage discount and also improve your driving technique.

A quick disclaimer, most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like comprehensive or collision. If you do the math and it seems like you can get free auto insurance, it doesn’t quite work that way.

Companies and some of the discounts can be read below.

  • GEICO has discounts for seat belt use, multi-policy, air bags, driver training, multi-vehicle, anti-lock brakes, and federal employee.
  • Travelers has savings for save driver, multi-policy, continuous insurance, payment discounts, early quote, student away at school, and new car.
  • Nationwide may have discounts that include accident-free, easy pay, Farm Bureau membership, family plan, multi-policy, anti-theft, and business or organization.
  • Farmers Insurance includes discounts for switch companies, distant student, mature driver, good student, business and professional, and early shopping.
  • Esurance offers premium reductions for DriveSense, defensive driver, good driver, anti-theft, and paid-in-full.
  • State Farm may offer discounts for multiple autos, Steer Clear safe driver discount, passive restraint, multiple policy, good student, and defensive driving training.
  • Progressive policyholders can earn discounts including online signing, online quote discount, multi-policy, continuous coverage, multi-vehicle, and homeowner.
  • Mercury Insurance discounts include accident-free, anti-theft, good student, low natural disaster claims, location of vehicle, and annual mileage.

When getting free insurance coverage quotes, it’s a good idea to each company which discounts they offer. A few discounts may not apply to policies in every state. To choose providers that can offer you the previously mentioned discounts, follow this link.

Tailor your auto insurance coverage to you

When choosing coverage, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether you would benefit from professional advice.

  • Am I covered if hit by an uninsured driver?
  • Does coverage extend to a rental car in a foreign country?
  • When should my teen driver be added to my policy?
  • If my pet gets injured in an accident are they covered?
  • Do I have coverage when making deliveries for my home business?
  • Can I afford to buy a different vehicle if my 2011 Mercedes-Benz GL-Class is totaled?
  • Is borrowed equipment or tools covered if stolen or damaged?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.

Be skeptical of car insurance ads

Well-known car insurance companies like Allstate and Progressive constantly bombard you with television and radio advertisements. They all seem to have a common claim that people will save if you move your policy. How is it possible that every company can charge less that you’re paying now? This is how they do it.

Most companies have a certain “appetite” for the type of driver that earns them the most money. An example of a profitable risk profile might be between 25 and 40, has a clean driving record, and drives a car with an anti-theft system. A driver that fits those parameters will qualify for the lowest auto insurance rates and most likely will pay quite a bit less when switching companies.

Insureds who are not a match for this stringent profile will be quoted higher prices which translates to the customer buying from a different company. Company advertisements say “people who switch” not “everyone who quotes” save money. That’s the way insurance companies can make claims like that.

Because of these techniques, you absolutely need to get as many free insurance coverage quotes as possible. You cannot predict the company that will fit you best based on your risk profile.

Auto insurance 101

Knowing the specifics of your auto insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on most auto insurance policies.

Collision coverage protection

This coverage will pay to fix damage to your GL-Class resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, backing into a parked car, sustaining damage from a pot hole, colliding with a tree and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like prosthetic devices, rehabilitation expenses, ambulance fees, surgery and pain medications. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Comprehensive protection

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, falling objects and hail damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as repair costs for stationary objects, pain and suffering and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Pennies from heaven

Some insurance coverage companies do not provide rates over the internet and many times these regional insurance providers prefer to sell through local independent agencies. Low-cost 2011 Mercedes-Benz GL-Class insurance can be found from both online companies as well as from insurance agents, so compare prices from both so you have a total pricing picture.

You just learned many ways to lower your 2011 Mercedes-Benz GL-Class insurance rates. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising. They may often insure only within specific states and give getter rates compared to the large companies like State Farm and Allstate.

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