2012 Mercedes-Benz GL-Class Insurance Quotes – 10 Tips for Best Rates

Buyers have many options when searching for the lowest priced Mercedes-Benz GL-Class insurance. They can either spend hours contacting agents to get rate comparisons or utilize the internet to make rate comparisons. There are both good and bad ways to shop for insurance coverage so we’re going to tell you the quickest way to price shop coverage for a new or used Mercedes-Benz and obtain the lowest price either online or from local insurance agents.

It’s a good habit to do rate comparisons periodically since rates change quite often. Despite the fact that you may have had the lowest rates for GL-Class insurance a few years ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, so with this article, you’re going to get some great ideas on how to stop overpaying for insurance.

If you are insured now or are looking for a new policy, you will benefit by learning to reduce the price you pay while maximizing coverage. The purpose of this article is to help educate you on the best way to quote coverages and some money-saving tips. Vehicle owners only need to know the best way to get comparison rates online.

How to Buy Insurance Coverage Online

There are multiple methods you can shop for 2012 Mercedes-Benz GL-Class insurance coverage but there is one way that is less labor-intensive and much quicker. You could waste a few hours talking to insurance agencies in your area, or you can stay home and use online quotes for quick rates.

Most of the larger companies participate in a marketplace where insurance shoppers enter their policy data once, and at least one company then returns a price quote based on that information. This system prevents you from having to do quote requests for each company.

To compare pricing click here to start a free quote.

The single downside to comparing rates this way is buyers cannot specifically choose which carriers to get pricing from. So if you prefer to choose individual companies to compare rates, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

However you get your quotes, ensure you’re using identical quote information for each comparison quote. If you use different liability limits it will be very difficult to make a fair comparison for your Mercedes-Benz GL-Class.

Misconceptions in car insurance advertisements

Consumers get pounded daily by advertisements that promise big savings by companies like Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing of big savings if you move to them.

How can each company make the same claim? This is how they do it.

All companies are able to cherry pick for the driver that is profitable for them. An example of a preferred risk might be a mature driver, a clean driving record, and has excellent credit. Any new insured who meets those qualifications is entitled to the best price and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t meet the requirements will have to pay higher prices and this can result in the customer not buying. The ads state “customers who switch” not “people who quote” save that kind of money. That’s why insurance companies can confidently advertise the way they do. Because of the profiling, you should quote coverage with many companies. Because you never know the company that will have the lowest Mercedes-Benz GL-Class insurance rates.

Discounts are basically free money

Companies do not advertise all their discounts very clearly, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you’re not getting every credit possible, you are paying more than you should be.

  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Seat Belts Save – Using a seat belt and requiring all passengers to use their safety belts could save 15% on the medical payments or PIP coverage costs.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Homeowners Savings – Owning a house may earn you a small savings because of the fact that having a home requires personal responsibility.
  • Defensive Driver – Completing a driver safety course could cut 5% off your bill if you qualify.
  • Payment Method – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Good Student Discount – This discount can save 20 to 25%. The discount lasts up to age 25.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.

It’s important to note that most credits do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies who might offer these money-saving discounts include:

Double check with all companies you are considering how you can save money. Some discounts may not apply in your state.

Which insurance is the “right” coverage?

When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • What if I owe more than I can insure my car for?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does coverage extend to a rental car in a foreign country?
  • I have health insurance so do I need medical payments coverage?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered if hit by an uninsured driver?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and may give you better protection.

Specific coverage details

Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Liability auto insurance

This protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims like attorney fees, funeral expenses, loss of income and medical services. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills such as hospital visits, nursing services and ambulance fees. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

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

Collision can pay for things such as colliding with another moving vehicle, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping 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.

Comprehensive insurance

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, fire damage and theft. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz GL-Class.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Smart consumers save more

Throughout this article, we presented many tips how you can lower your 2012 Mercedes-Benz GL-Class insurance rates. It’s most important to understand that the more quotes you get, the higher your chance of finding lower rates. You may even find the best price on auto insurance is with the smaller companies.

Insureds leave their current company for any number of reasons including poor customer service, denial of a claim, policy cancellation or extreme rates for teen drivers. Regardless of your reason for switching companies, switching companies is easier than you think.

The cheapest insurance can be found online in addition to many insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional information