How Much Does 2014 Mercedes-Benz GL-Class Insurance Cost?

Looking for lower car insurance rates for your Mercedes-Benz GL-Class? Feel like you’re a prisoner to high-priced car insurance? Believe me, many consumers feel financially strained by their car insurance policy.

With so many insurance companies to choose from, it can be challenging to choose the most affordable insurer.

It is always a good idea to check car insurance prices periodically due to the fact that insurance rates change quite often. Even if you think you had the best rates on GL-Class insurance a couple years back you can probably find a lower rate today. So just ignore everything you know about car insurance because you’re about to learn the fastest way to reduce your cost while increasing coverage.

How to Lower Your Auto Insurance Cost

Most major insurance companies allow you to get prices online. Getting quotes is pretty easy as you simply type in the amount of coverage you want into a form. Once you submit the form, the system will order information on your driving record and credit history and returns a price based on these factors. Online quotes simplifies rate comparisons, but the time required to go to multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for a lower rate.

Compare rates the easy way

A more efficient way to find better auto insurance pricing utilizes a single form that gets prices from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes price shopping online much easier. Immediately after you send the form, it is quoted and you can choose your choice of the quote results.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. It just takes a couple of minutes and you’ll know if lower rates are available.

In order to use this form to compare rates, click here to open in a new tab and submit your coverage information. If you have coverage now, it’s recommended you complete the form with deductibles and limits as close as possible to your current policy. This makes sure you are getting a fair comparison based on identical coverages.

Tailor your coverage to you

When buying adequate coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that may help highlight if you may require specific advice.

  • Do I have coverage for damage caused while driving under the influence?
  • Should I bundle my homeowners policy with my auto?
  • Does my 2014 Mercedes-Benz GL-Class need full coverage?
  • Can I afford to buy a different vehicle if my 2014 Mercedes-Benz GL-Class is totaled?
  • Is extra glass coverage worth it?
  • I have a DUI can I still get coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk 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.

Auto insurance 101

Knowing the specifics of insurance aids in choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages available from insurance companies.

Collision insurance

This will pay to fix damage to your GL-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, sideswiping another vehicle, sustaining damage from a pot hole and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from flooding, damage from a tornado or hurricane, vandalism and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability car insurance

This will cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for 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. Occasionally you may see one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, emergency aid and funeral expenses. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz GL-Class.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like surgery, prosthetic devices, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage