How Much Does 2015 Mercedes-Benz GLA-Class Insurance Cost?

Trying to find cheaper insurance rates for your Mercedes-Benz GLA-Class? There isn’t a single person who looks forward to buying insurance, especially when they are aware that they could get a better deal. Because you have many insurance companies to choose from, it’s difficult to locate a lower cost insurance company.

It’s important to get comparison quotes every six months because insurance prices are usually higher with each renewal. Even if you got the lowest quotes on GLA-Class coverage on your last policy the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance on the internet, but I’m going to show you some solid techniques on how to lower your insurance premiums.

How to lower your insurance costs

An important part of buying insurance is that you know the rating factors that aid in calculating your policy premiums. If you have a feel for what determines premiums, this empowers consumers to make smart changes that may reward you with lower insurance prices.

Theft deterrents save – Buying a car with a theft deterrent system can get you a discount on your insurance. Theft prevention features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent auto theft and help lower rates.
Older drivers are lower risk – Young drivers have been known to be less responsible behind the wheel therefore insurance rates are much higher. Older insureds are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
A lpolicy lapse is a bad thing – Letting your insurance expire is a fast way to increase your insurance rates. And not only will insurance be more expensive, not being able to provide proof of insurance could result in a hefty fine and possibly a revoked license.
Cautious drivers pay better prices – A bad driving record has a huge affect on how much you pay. Drivers who don’t get tickets get better rates than people who have multiple driving citations. Having a single citation may increase your cost by twenty percent. Drivers who have careless violations like reckless driving or DUI might be required by their state to complete a SR-22 with the DMV in their state in order to prevent a license revocation.
Reduce rates by driving vehicles with better crash test results – Vehicles with good safety scores get lower rates. Vehicles engineered for safety reduce occupant injuries and better occupant protection means less claims paid and thus lower rates. If the Mercedes-Benz GLA-Class has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
Rural areas have lower costs – Choosing to live in a rural area may provide you with better prices when talking about insurance. Less people means fewer accidents in addition to fewer liability claims. People who live in big cities have congested traffic and longer commute times. More time behind the wheel means more chance of being in an accident.
Do you have enough liability? – The liability coverage on your policy is the coverage that protects you when you are ruled to be at fault for causing personal injury or damage in an accident. This coverage provides you with a defense in court which can cost a lot. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.

How to compare insurance coverage quotes

Many insurance companies like State Farm, Allstate and GEICO give price estimates from their websites. Obtaining pricing is very simple because it’s just a matter of typing in into the quote form. When the form is submitted, their quoting system sends out for credit information and your driving record and generates a price based on these factors. This makes it easy to compare insurance prices but having to visit many different websites and type in your information is repetitive and time-consuming. But it’s necessary to compare as many rates as possible in order to find better insurance coverage pricing.

Isn’t there an easier way to compare rates?

A better way to compare rates is to use a quote form that analyzes rates from more than one company. It’s a real time-saver, requires less work, and makes online shopping a little more enjoyable. As soon as you send your information, your coverage is rated and you are able to buy any one of the quote results. If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process takes less than 15 minutes and can result in significant savings.

To save time and compare pricing, click here to open in new window and submit the form. If you currently have coverage, we recommend you replicate the insurance coverages exactly as they are listed on your policy. This way, you will have an apples-to-apples comparison for the exact same coverage.

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You may qualify for discounts

The cost of insuring your cars can be expensive, but there could be available discounts that can drop the cost substantially. Some of these disounts will be visible at the time you complete a quote, but once in a while a discount must be asked about before being credited.

Driver’s Ed – Make teen driver coverage more affordable by requiring them to sucessfully take a drivers education course in school or through a local driver safety program.
Discounts for Cautious Drivers – Safe drivers can save as much as half off their rates on GLA-Class coverage than drivers with accidents.
Save with More Vehicles Insured – Purchasing coverage when you have multiple vehicles on the same insurance coverage policy can reduce the rates for all insured vehicles.
Early Renewal Discounts – A few larger companies give discounts for renewing your policy before your current coverage expires. The savings is around 10%.
Accident-Free Discounts – Claim-free drivers get the best insurance coverage rates when compared with accident-prone drivers.

Remember that most discounts do not apply to the entire cost. Most only apply to individual premiums such as medical payments or collision. Despite the appearance that adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

Some of the larger companies that may offer most of these discounts may include but are not limited to:

If you need cheaper car insurance quotes, ask all companies you are considering to give you their best rates. Savings might not be offered on policies in your area. For a list of insurance companies with significant discounts, follow this link.

There’s no such thing as the perfect auto insurance policy

When it comes to choosing adequate coverage, there is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine if your situation would benefit from an agent’s advice.

What if I don’t agree with a claim settlement offer?
Can I get a multi-policy discount?
Can I afford low physical damage deductibles?
Am I getting all the discounts available?
Is a new car covered when I drive it off the dealer lot?
Does my 2015 Mercedes-Benz GLA-Class qualify for pleasure use?

If it’s difficult to answer those questions but you think they might apply to your situation, 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. It’s fast, free and can provide invaluable advice.

Car insurance coverages explained

Having a good grasp of your car insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from car insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, nursing services, EMT expenses and doctor visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your 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

Collision coverages – Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as driving through your garage door, colliding with another moving vehicle, rolling your car, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Uninsured or underinsured coverage – This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2015 Mercedes-Benz GLA-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Auto liability insurance – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like court costs, structural damage, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but you should buy as large an amount as possible.

Comprehensive protection – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, falling objects, rock chips in glass, vandalism and damage from a tornado or hurricane. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Be a penny pincher

As you prepare to switch companies, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where drivers have reduced collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your goal is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

More affordable insurance can be bought on the web as well as from insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not have online rate quotes and usually these small, regional companies only sell coverage through independent insurance agencies.

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