2016 Mercedes-Benz GLA-Class Insurance Quotes – 10 Tricks for Best Rates

Drivers have many options when trying to find the best price on Mercedes-Benz GLA-Class insurance. You can either waste hours driving around to compare prices or utilize the internet to find the lowest rates.

There are both good and bad ways to shop for auto insurance and you need to know the absolute fastest way to quote coverages for your Mercedes-Benz and obtain the cheapest rates either online or from local insurance agents.

Consumers should take time to compare rates at least once a year because auto insurance prices are adjusted regularly by insurance companies. Just because you had the lowest rates on GLA-Class insurance at your last renewal there may be better deals available now. Don’t believe everything you read about auto insurance online but you can learn some of the best techniques to lower your auto insurance rates.

The best way we recommend to get rate comparisons takes advantage of the fact almost all companies provide online access to provide you with a free rate quote. To get started, all you need to do is provide a small amount of information including whether you have decent credit, your occupation, your education level, and if a SR-22 is needed. The rating information is automatically sent to many highly-rated insurers and they respond with quotes immediately.

To check 2016 Mercedes-Benz GLA-Class insurance prices now, click here and see if a lower rate is available.

Car insurance companies offer many discounts

Not too many consumers would say car insurance is affordable, but companies offer discounts to help bring down the price. Some discounts apply automatically at the time of purchase, but some need to be manually applied before being credited.

  • Discount for Low Mileage – Low mileage vehicles can qualify you for discounted prices on garaged vehicles.
  • Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems are much safer to drive so you can save 10 percent or more.
  • Renewal Discounts – A few companies give discounts for signing up prior to your current policy expiration. You may see this discount when you get insurance quotes online.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • College Student Discount – Any of your kids who live away from home to go to college without a vehicle on campus could get you a discount.
  • Federal Employees – Active or retired federal employment could qualify for a slight premium decrease on GLA-Class insurance with select insurance companies.
  • Homeowners Savings – Being a homeowner can save a few bucks due to the fact that maintaining a home requires a higher level of personal finance.
  • Defensive Driver – Completing a course teaching safe driver skills could earn you a small percentage discount if your company offers it.
  • Save with More Vehicles Insured – Buying coverage for multiple cars or trucks on one policy can get a discount for every vehicle.
  • Accident Waiver – This one is not really a discount per se, but some insurance companies will forgive one accident before raising your premiums so long as you are claim-free for a specific time period.

Don’t be shocked that most of the big mark downs will not be given to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies that may include these discounts possibly include:

When getting free insurance quotes, it’s a good idea to every company which credits you are entitled to. Discounts may not be available in every state. For a list of companies who offer car insurance discounts, click here to view.

Do I just need basic coverages?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Each situation is unique.

For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Can my babysitter drive my car?
  • Does coverage extend to Mexico or Canada?
  • What is PIP insurance?
  • Do I have coverage if my license is suspended?
  • Are my tools covered if they get stolen from my vehicle?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Auto insurance coverages explained

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Auto liability

Liability insurance protects you from damage that occurs to people or other property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, legal defense fees, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Auto collision coverage

This will pay to fix damage to your GLA-Class resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, backing into a parked car, rolling your car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for expenses for surgery, chiropractic care, nursing services, EMT expenses and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, vandalism, falling objects, hail damage and a broken windshield. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Mercedes-Benz GLA-Class.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

You can do this!

Affordable 2016 Mercedes-Benz GLA-Class insurance is available from both online companies in addition to many insurance agents, so you need to shop insurance with both to have the best selection. There are still a few companies who do not provide price quotes online and usually these regional carriers provide coverage only through local independent agents.

Consumers leave their current company for a variety of reasons including poor customer service, an unsatisfactory settlement offer, denial of a claim or high rates after DUI convictions. It doesn’t matter what your reason, choosing a new insurance company can be pretty painless.

Throughout this article, we presented some good ideas how you can get a better price on 2016 Mercedes-Benz GLA-Class insurance. The key thing to remember is the more times you quote, the better likelihood of getting cheaper insurance. Consumers may even find the best price on auto insurance is with a lesser-known regional company.

More detailed auto insurance information is available in the articles below: