Save on 2015 Mercedes-Benz GLA-Class Insurance Rates

Want cheaper insurance rates? Drivers have options when trying to find affordable Mercedes-Benz GLA-Class insurance. You can either spend your time calling around to compare prices or leverage the internet to compare rates. There are both good and bad ways to buy insurance and you need to know the proper way to quote coverages on a Mercedes-Benz and get the lowest possible price either online or from local insurance agents.

If you have a policy now or are just looking to switch companies, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. The purpose of this article is to help you learn the best way to quote coverages and some money-saving tips. Consumers only need an understanding of the most effective way to find the lowest price online.

Discounts are great for lower rates

Companies don’t always publicize every discount in an easy-to-find place, so the following is a list of some of the more common as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Good Students Pay Less – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums on GLA-Class coverage.
  • Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a particular time prior to the accident.
  • Driver Safety – Taking a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

Consumers should know that most credits do not apply the the whole policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, it just doesn’t work that way.

Companies who might offer some of the above discounts include:

Check with all companies you are considering which discounts they offer. Discounts might not be offered in your state.

You may need specialized coverage

When buying the best insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different.

These are some specific questions might point out whether you would benefit from professional advice.

  • Do I need added coverage for expensive stereo equipment?
  • Does coverage extend to a rental car in a foreign country?
  • Do I need replacement cost coverage?
  • Can I get a multi-policy discount?
  • Do I have newly-aquired coverage?
  • Is my 2015 Mercedes-Benz GLA-Class covered for flood damage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I getting all the discounts available?
  • Does liability extend to a camper or trailer?
  • Should I buy only the required minimum liability coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

Advertising myths

Consumers can’t ignore all the ads for car insurance savings by companies like 21st Century, Allstate and State Farm. All the ads make an identical promise that you’ll save big after switching to them.

How do they all claim to save you money?

All the different companies can use profiling for the type of customer that earns them a profit. For instance, a driver they prefer might be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Drivers who fall outside the requirements must pay a higher premium which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “people who quote” save that much. That’s the way insurance companies can confidently make the claims of big savings. This illustrates why drivers should get quotes from several different companies. It’s not possible to predict which insurance companies will provide you with the cheapest Mercedes-Benz GLA-Class insurance rates.

Car insurance coverage specifics

Knowing the specifics of a car insurance policy can be of help when determining the best coverages for your vehicles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Collision insurance

Collision insurance will pay to fix damage to your GLA-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a mailbox, hitting a parking meter, sideswiping another vehicle and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz GLA-Class.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability insurance

Liability insurance will cover injuries or damage you cause to a person or their property in an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as court costs, loss of income, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Comprehensive coverages

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle and rock chips in glass. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for surgery, funeral costs, EMT expenses and X-ray expenses. They are often utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Be a Smart Shopper

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped full coverage only to regret that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Insureds who switch companies do it for any number of reasons including extreme rates for teen drivers, not issuing a premium refund, policy non-renewal or even delays in paying claims. Regardless of your reason for switching companies, switching car insurance companies can be less work than you think.

Throughout this article, we presented many ideas to compare 2015 Mercedes-Benz GLA-Class insurance prices online. The key concept to understand is the more quotes you get, the better your chances of lowering your rates. Consumers may even find the lowest rates come from some of the smallest insurance companies.

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