Cheaper 2009 Mercedes-Benz GL-Class Insurance Rates

Searching for lower auto insurance rates for your Mercedes-Benz GL-Class? Are you a victim of high-priced auto insurance? Trust us when we tell you you’re not alone. Companies like Geico and Progressive continually hit you with ad campaigns and it can be hard to ignore the promise of big savings and find the best price available.

Elements that influence Mercedes-Benz GL-Class insurance rates

An important part of buying insurance is that you know the factors that play a part in calculating your car insurance rates. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to big savings.

  • Safer occupants lowers premiums – Safer cars can get you lower premiums. These vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and more competitive rates for policyholders. If the Mercedes-Benz GL-Class has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Your location is important – Choosing to live in a rural area has it’s advantages when buying car insurance. Drivers in populated areas regularly have congested traffic and longer commutes to work. Lower population means fewer accidents and also fewer theft and vandalism claims.
  • Better credit means lower rates – Credit score is a big factor in determining your rates. Drivers who have high credit ratings tend to be better drivers and file fewer claims than drivers who have lower ratings. If your credit rating is low, you could save money insuring your 2009 Mercedes-Benz GL-Class by improving your rating.
  • A clean driving record saves money – Your driving citation history has a lot to do with how much you pay for insurance. Good drivers get better rates compared to drivers with tickets. Even a single moving violation can increase rates by twenty percent. Drivers who have flagrant citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.
  • Rates may be lower depending on your job – Did you know your job can affect your rates? Occupations like judges, social workers and financial analysts tend to have higher average rates in part from high stress levels and long work days. Conversely, occupations like actors, engineers and homemakers receive lower rates on GL-Class insurance.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Auto insurance companies generally give discounts to insureds who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Policy add-ons can waste money – There are many additional coverages that you can get tricked into buying on your car insurance policy. Insurance for vanishing deductibles, accidental death and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so eliminate the coverages to reduce your premium.

Comparison of Car Insurance

All the larger car insurance companies such as State Farm and Allstate provide prices on the web. Getting quotes is pretty easy as you just type in the coverages you want into the quote form. When the form is submitted, their system will obtain information on your driving record and credit history and quotes a price based on these factors. Being able to quote online streamlines rate comparisons, but the work required to visit many different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to get many rate quotes if you are searching for the best price possible.

There is an easier way!

The smarter way to lower your car insurance bill requires only one form that gets prices from several companies at one time. It’s a real time-saver, reduces the work, and makes rate comparisons a lot less work. After sending the form, it is rated and you are able to buy your choice of the pricing results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to compare pricing, click here to open in a new tab and complete the simple form. If you have coverage now, it’s recommended you replicate the coverage information identical to your current policy. This makes sure you will have rate quotes using the same coverage and limits.

Don’t listen to company ads

Consumers can’t get away from ads for the lowest price auto insurance from companies such as State Farm and Allstate. They all make the same claim that you’ll save big after switching your policy.

But how can every company claim to save you money?

All the different companies have a preferred profile for the right customer that makes them money. For example, a preferred risk might be profiled as between the ages of 40 and 55, insures multiple vehicles, and has great credit. Any driver who meets those qualifications will get the preferred rates and as a result will probably save a lot of money.

Potential customers who don’t measure up to these standards will be quoted higher prices and this can result in business going elsewhere. The ads state “people who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently make those claims.

This emphasizes why drivers should get quotes from several different companies. It’s impossible to know which car insurance company will fit your personal profile best.

Take advantage of discounts

The price of auto insurance can be rather high, but there could be available discounts that many people don’t even know exist. A few discounts will automatically apply at quote time, but a few must be specifically requested before you get the savings. If you don’t get every credit available, you’re paying more than you need to.

  • Bundle and Save – If you have multiple policies with one company you will save up to 20% off your total premium.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Senior Discount – Older drivers may qualify for a small decrease in premiums on GL-Class insurance.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • No Accidents – Claim-free drivers pay much less compared to accident-prone drivers.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% since new cars are generally safer.
  • Resident Student – Children who are attending college without a vehicle on campus can be insured at a reduced rate.
  • Drive Less and Save – Fewer annual miles on your Mercedes-Benz can qualify you for a substantially lower rate.
  • Sign Early and Save – Some companies give discounts for buying a policy before your current expiration date. It can save you around 10%.

Keep in mind that some credits don’t apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. So when the math indicates having all the discounts means you get insurance for free, it just doesn’t work that way. Any qualifying discounts will reduce the amount you have to pay.

Insurance companies that possibly offer these benefits may include but are not limited to:

Check with each company how you can save money. Savings might not be offered everywhere.

How to know if you need help

When choosing the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether your personal situation might need professional guidance.

  • Do I get a pro-rated refund if I cancel my policy early?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I missing any policy discounts?
  • How do I file an SR-22 for a DUI in my state?
  • Is my ex-spouse still covered by my policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Who is covered by my policy?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Information about specific coverages

Learning about specific coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are the usual coverages found on the average insurance policy.

Liability car insurance – Liability insurance can cover damage or injury you incur to other people or property that is your fault. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like repair bills for other people’s vehicles, bail bonds and court costs. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like a tree branch falling on your vehicle, damage from flooding, fire damage and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, colliding with a tree, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to bring the cost down.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like X-ray expenses, dental work, surgery and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Mercedes-Benz GL-Class.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

In conclusion

You just learned many tips how you can shop for 2009 Mercedes-Benz GL-Class insurance online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Cheaper insurance is possible both online and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. Some insurance companies may not provide you the ability to get quotes online and these small insurance companies work with independent agents.

More detailed auto insurance information can be read at these sites: