Compare 2017 Mercedes-Benz GLA-Class Insurance Rates

Trying to find better insurance rates for your Mercedes-Benz GLA-Class? Trying to come up with a payment for pricey insurance can sap your funds and force you to tighten up your finances. Shopping your coverage around is free and is an excellent way to lower your bills every month.

Having so many insurance companies to choose from, it is very difficult to pick the most cost effective insurer.

You should make it a habit to get comparison quotes once or twice a year since rates are variable and change quite frequently. Just because you found the best deal on GLA-Class coverage a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the quickest way to save on insurance.

Auto insurance quotes comparison

Effectively comparing auto insurance prices is a ton of work if you aren’t aware of the most efficient way. You could waste a few hours talking to insurance agencies in your area, or you could use the web to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that enables customers to enter their policy data once, and every company returns a rated price for coverage. This prevents consumers from doing quote requests to each individual auto insurance company.

To participate in this free quote system, click here to open in new window.

The one disadvantage to using this type of system is you don’t know exactly which insurance companies to get pricing from. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

Compare rates however you want, just make sure you use nearly identical coverage information with every price quote. If your comparisons have higher or lower deductibles you will not be able to make a fair comparison for your Mercedes-Benz GLA-Class.

Discounts to earn cheap insurance rates

Insurance can cost an arm and a leg, but companies offer discounts that many consumers don’t even know exist. A few discounts will automatically apply when you quote, but occassionally some discounts must be manually applied before being credited. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

  • Accident Forgiveness – This one isn’t a discount, but a handful of insurance companies will let one accident slide before hitting you with a surcharge if you are claim-free prior to being involved in the accident.
  • Homeowners Pay Less – Simply owning a home can help you save on insurance because maintaining a house means you have a higher level of financial diligence.
  • Multiple Vehicles – Drivers who insure multiple cars on a single policy can get a discount on all vehicles.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can get savings as much as 30%.
  • Theft Deterent Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and qualify for as much as a 10% discount.
  • Telematics Data – Policyholders that allow their company to analyze driving habits remotely such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give better rates if you take out some life insurance too.
  • Discounts for Responsible Drivers – Insureds without accidents can save as much as half off their rates on GLA-Class coverage compared to accident prone drivers.
  • ABS Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Discounts for New Vehicles – Insuring a vehicle that is new can be considerably cheaper because newer models keep occupants safer.

As is typical with insurance, most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates it’s possible to get free car insurance, nobody gets a free ride.

To see companies with the best insurance discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. These are some specific questions might point out whether you will benefit from professional help.

  • Am I missing any policy discounts?
  • At what point should I drop full coverage?
  • When should I not file a claim?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered if I wreck a rental car?
  • If my 2017 Mercedes-Benz GLA-Class is totaled, can I afford another vehicle?
  • Does coverage extend to Mexico or Canada?
  • Why am I required to buy high-risk coverage?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Informed consumers can cut their insurance costs

Multiple criteria are considered when you quote your car insurance policy. Some are pretty understandable like a motor vehicle report, but other factors are not as apparent like your continuous coverage or your commute time.It’s important that you understand some of the things that aid in calculating your insurance coverage rates. If you have a feel for what influences your rates, this allows you to make good choices that will entitle you to cheaper rates.

The following are some of the most common factors used by your company to calculate your premiums.

  • Always have insurance coverage – Not having insurance is against the law and as a result your rates will increase for letting your insurance lapse for non-payment. In addition to paying higher rates, failure to provide proof of insurance may earn you fines and jail time.
  • Cautious drivers pay better rates – Careful drivers tend to pay less for car insurance compared to drivers with tickets. Even one speeding ticket or other violation can increase the cost of insurance substantially. Drivers who have gotten severe violations such as DUI or willful reckless driving may find that they have to to submit a SR-22 or proof of financial responsibility with their state DMV in order to prevent a license revocation.
  • Does your occupation cost you more? – Jobs such as fire fightersair traffic controllers and emergency personnel generally pay the highest rates due to stressful work requirements and lots of time spent away from family. On the other hand, professions such as scientists, athletes and performers get better rates on GLA-Class coverage.
  • Don’t skimp on liability coverage – The liability coverage on your policy will protect you if you are determined to be liable for damages caused by your negligence. It provides you with a defense in court which can be incredibly expensive. Liability is cheap compared to physical damage coverage, so insureds should have plenty of protection for their assets.
  • Miles impacts costs – Driving a lot of miles every year the higher your rate. Most insurance companies rate vehicles partially by how you use the vehicle. Cars that do not get driven very much receive lower rates than vehicles that are driven to work every day. It’s a good idea to make sure your insurance coverage declarations sheet shows the proper vehicle usage. Having an incorrect usage rating on your GLA-Class may be costing you higher rates.
  • Younger drivers pay higher rates – Inexperience drivers have been known to be careless and easily distracted behind the wheel so they pay higher insurance coverage rates. Parents adding a inexperienced driver onto your insurance coverage can be quite pricey. Older drivers have been proven to be more responsible, are lower risk to insure and receive fewer citations.

The car insurance bait and switch

Consumers can’t get away from ads that promise big savings from companies such as Allstate, Geico and Progressive. All the companies advertise the message about how much you will save if you just switch your policy.

How does each company say the same thing? It’s all in how they say it.

Companies quote the lowest rates for the type of customer that will add to their bottom line. For example, a profitable customer might be a married male, has no tickets, and has a short commute. Anyone that matches those criteria is entitled to the best price and will also pay quite a bit less when switching companies.

Potential customers who may not quite match this stringent profile will be quoted more expensive rates and the customer buying from someone else. The ad wording is “drivers who switch” not “everyone who quotes” save the amount stated. This is how companies can make it sound like they have such great auto insurance rates.

This really illustrates why it is so important to compare rate quotes every year. Because you never know which company will provide the lowest rates.

Insurance coverages 101

Knowing the specifics of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Auto liability insurance – Liability insurance provides protection from damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as structural damage, loss of income, bail bonds, legal defense fees and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2017 Mercedes-Benz GLA-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, a broken windshield, fire damage and damage from flooding. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for immediate expenses such as hospital visits, funeral costs and surgery. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your GLA-Class resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, driving through your garage door, sideswiping another vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to bring the cost down.

You can do this!

We’ve covered a lot of tips how to reduce 2017 Mercedes-Benz GLA-Class insurance premium rates online. The key concept to understand is the more you quote insurance coverage, the better your chances of lowering your prices. You may even discover the lowest priced insurance coverage comes from some of the lesser-known companies. These companies can often provide lower prices in certain areas than their larger competitors like Allstate and Progressive.

Budget-friendly insurance coverage can be bought both online and from local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not offer rate quotes online and many times these smaller companies prefer to sell through local independent agents.

More detailed insurance coverage information is located in these articles: