Compare 2016 Mercedes-Benz GLA-Class Insurance Cost

Did you fall for a flashy sales pitch and buy high-priced insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive insurance. Lots of auto insurance companies contend for your business, so it’s not easy to compare every insurance company and get the definite lowest rate

It is always a good idea to compare prices once or twice a year because prices are variable and change quite frequently. Even if you got the best rate on GLA-Class coverage a year ago there may be better deals available now. Block out anything you think you know about insurance because I’m going to teach you the only way to save money, get proper coverage and the best rates.

Insurance coverage quotes comparison

Getting a cheap price on 2016 Mercedes-Benz GLA-Class insurance can be relatively painless. The only thing you need to do is spend a little time to compare rate quotes online with multiple companies. This is very easy and can be done by following the guidelines below.

  • The single most time-saving way consumers can make multiple comparisons would be an industry-wide quote request form click here to open form in new window. This form eliminates the need for multiple quote forms for each company you want a rate for. Just one form gets you coverage quotes from many national carriers.
  • A harder way to analyze rates requires visiting each company website and repeat the quote process again and again. For sake of this example, let’s say you want to see prices from Auto-Owners, Progressive and GMAC. You would have to go to every website and type in your information over and over, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

Whichever way you choose to compare rates, try to use apples-to-apples coverage information on every price quote you get. If you use different values for each quote then you won’t be able to make an equal comparison.

Insurance Discounts

Some insurers don’t always advertise every possible discount in a way that’s easy to find, so the list below details some of the more common as well as some of the hidden credits available to bring down your rates.

  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to take driver’s ed class if offered at their school.
  • Discounts for Good Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates on GLA-Class coverage than drivers with accidents.
  • Discount for Low Mileage – Maintaining low annual mileage may enable drivers to earn slightly better premium rates than normal.
  • Accident Waiver – Not a discount per se, but some insurance companies permit an accident before raising your premiums if you are claim-free for a set time period.
  • Distant College Student Discount – Any of your kids who live away from home to go to college and don’t have a car could qualify for this discount.
  • Telematics Data Discounts – Drivers that enable data collection to look at driving manner by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if their driving habits are good.
  • Discounts for Multiple Vehicles – Insuring multiple cars or trucks with one company can get a discount on all vehicles.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles are less likely to be stolen and will qualify for a discount on a insurance quote.

Discounts save money, but please remember that most of the big mark downs will not be given to all coverage premiums. Most only apply to specific coverage prices like medical payments or collision. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic. Any qualifying discounts will lower the cost of your policy.

If you would like to choose from a list of insurance companies who offer cheap insurance quotes, click here to view.

Tailor your insurance coverage to you

When choosing the best insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different so this has to be addressed. These are some specific questions can help discover if you could use an agent’s help.

  • Does my car insurance cover rental cars?
  • Who is covered by my policy?
  • Should I buy additional glass protection?
  • Does coverage extend to a rental car in a foreign country?
  • Are my friends covered when driving my car?
  • Is a new car covered when I drive it off the dealer lot?
  • Should I bundle my homeowners policy with my auto?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Where can I find DUI or SR-22 insurance?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and can provide invaluable advice.

Eight tips to get lower-cost insurance rates

Consumers need to have an understanding of some of the things that come into play when calculating your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that will entitle you to big savings.

  • How’s your driving record? – Attentive drivers get better prices as compared to careless drivers. Even one chargable violation may cause rates to rise substantially. People who have flagrant tickets like DUI, reckless driving or excessive speeding are required to prove financial responsibility with their state motor vehicle department in order to legally drive.
  • Liability coverage – The liability coverage on your policy will afford coverage if you are found liable for causing personal injury or damage in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.
  • Always have car insurance – Driving without insurance is illegal and you will pay a penalty because you let your coverage have a gap. Not only will you pay more, failure to provide proof of insurance could earn you fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.
  • High insurance claims frequency drives up rates – If you are the type of insured that files lots of claims you can definitely plan on increased rates or even have your policy non-renewed. Insurance companies award cheaper rates to insureds who do not file claims often. Your car insurance is designed for claims that pose a financial burden.
  • Prevent theft and lower prices – Purchasing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Cars with good safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. These vehicles reduce occupant injuries and lower injury rates translates into savings for insurance companies and more competitive rates for policyholders.
  • Car plus home equals more savings – Many car insurance companies afford lower prices to buyers who have multiple policies with them. It’s known as a multi-policy discount. The amount of the discounts can be as much as ten percent or more Even if you already get this discount, you may still want to shop around to ensure the best deal.
  • With age comes responsibility – Teen drivers are statistically proven to be more careless with other occupants in the car and because of this, their car insurance rates are much higher. Older people are more cautious drivers, are lower risk to insure .

Learn about auto insurance coverages for a 2016 Mercedes-Benz GLA-Class

Having a good grasp of a auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. These are the normal coverages offered by auto insurance companies.

Collision protection

This coverage pays for damage to your GLA-Class resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as crashing into a building, colliding with a tree and hitting a mailbox. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as hitting a bird, theft and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz GLA-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability auto insurance

This protects you from damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, court costs, loss of income, repair costs for stationary objects and bail bonds. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for bills for things like hospital visits, surgery, pain medications and doctor visits. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

The bottom line

Discount 2016 Mercedes-Benz GLA-Class insurance is possible both online and with local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who may not offer online quoting and most of the time these small, regional companies provide coverage only through local independent agents.

We just showed you many ways to reduce 2016 Mercedes-Benz GLA-Class insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding affordable insurance. Consumers could even find that the biggest savings come from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate, Geico and Progressive.

Additional insurance coverage information can be found below: