Nobody likes paying for auto insurance, particularly when they are paying too much.
With so many insurance companies to choose from, it’s nearly impossible to choose the lowest cost insurance company.
The purpose of this post is to instruct you on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to save some money using these methods. Nevertheless, consumers do need to learn the way insurance companies sell online and take advantage of how the system works.
Insuring your fleet can be pricey, but companies offer discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be specially asked for before they will apply.
Drivers should understand that most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you’re out of luck. But all discounts will help reduce your premiums.
To see a list of companies with discount car insurance rates, follow this link.
There are several ways to compare Mercedes-Benz GL-Class insurance prices but there is one way that is less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance companies in your area, or you could use online quotes for quick rates.
All the larger companies belong to an insurance system where insurance shoppers send in one quote, and each company can give them a price based on the submitted data. This saves time by eliminating repetitive form submissions for every insurance company.
To use this form to compare 2013 Mercedes-Benz GL-Class insurance rates click here to start a free quote.
One minor caviat to pricing coverage this way is that consumers can’t choose the insurers you want to price. So if you prefer to choose specific providers to request quotes from, we put together a list of the cheapest insurance companies in your area. Click here to view list.
It’s up to you how you get prices quotes, just double check that you are using exactly the same coverages and limits for every company. If you enter different values for each quote it’s impossible to determine which rate is truly the best. Slightly different coverages can mean a large discrepancy in price. It’s important to know that comparing a large number of companies provides better odds of finding the best price.
When buying coverage for your vehicles, there really is no “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. These are some specific questions could help you determine whether you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Learning about specific coverages of insurance helps when choosing which coverages you need for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.
Coverage for liability
This coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for claims such as repair costs for stationary objects, emergency aid and loss of income. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.
Insurance for medical payments
Coverage for medical payments and/or PIP provide coverage for expenses such as dental work, funeral costs, pain medications and nursing services. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay
Uninsured Motorist or Underinsured Motorist insurance
This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Mercedes-Benz GL-Class.
Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally the UM/UIM limits are similar to your liability insurance amounts.
Collision insurance covers damage to your GL-Class resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as driving through your garage door, crashing into a ditch, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Comprehensive coverage (or Other than Collision)
This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as damage from getting keyed, rock chips in glass and theft. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Discount 2013 Mercedes-Benz GL-Class insurance can be purchased from both online companies and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. There are still a few companies who may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.
You just learned many ways to shop for insurance online. The key thing to remember is the more you quote, the higher the chance of saving money. Drivers may discover the best price on auto insurance is with a smaller regional carrier. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.
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