5 Ways to Slash Mercedes-Benz GL320 CDI Insurance Rates

Shoppers have lots of choices when shopping for affordable Mercedes-Benz GL320 CDI insurance. They can either spend hours struggling with agents trying to get quotes or save time using the internet to get rate quotes. There is a better way to compare car insurance rates and we’ll show you the best way to get price quotes for a Mercedes-Benz and locate the lowest price from local insurance agents and online providers.

Finding the best rates is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to save some money using this information. Nevertheless, consumers should learn the way companies market insurance on the web and apply this information to your search.

How to Get Car Insurance

To find the best car insurance prices, there are several ways to compare quotes from car insurance companies in your area. The quickest method to compare insurance prices consists of shopping online. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get quotes is a comparison rater form like this one (opens in new window). This method saves time by eliminating boring form submissions for each company. Just one form will return price quotes direct from many companies.It’s the quickest way to get rates.
Another way to compare rate quotes is to manually visit the website for every company you want to comare and complete a new quote form. For instance, let’s say you want comparison quotes from State Farm, Progressive and Travelers. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular.
For a handy list of car insurance company links in your area, click here.
The hardest way to get comparison rates is to waste gas driving to different agent offices. The internet makes this process obsolete unless you have a need for the trained guidance that only a license agent can provide. You can, however, price shop your coverage online and get advice from an agent in your area and we’ll cover that in a bit.

It’s your choice how you get your quotes, but compare apples-to-apples coverage information for each comparison quote. If you are comparing mixed coverages it’s not possible to make an equal comparison. Just a small difference in insurance coverages may result in large price differences. And when comparison shopping, having more price comparisons provides better odds of finding the best rates.

These discounts can slash car insurance rates

Companies offering auto insurance don’t always publicize every available discount very clearly, so the following is a list of some of the more common as well as the least known discounts you could be receiving.

Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
One Accident Forgiven – A few companies will forgive one accident before your rates go up if you are claim-free for a set time period.
Senior Citizens – Older drivers may be able to get a discount up to 10% on GL320 CDI insurance.
Discount for New Cars – Insuring a new car is cheaper compared to insuring an older model.
Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiration. It’s a savings of about 10%.

Drivers should understand that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, it just doesn’t work that way.

To choose companies with discount car insurance rates, click here.

What about using a local agent?

Certain consumers prefer to talk to a local agent. One of the best bonuses of comparing insurance prices online is you can get lower rates but also keep your business local.

To find an agent, once you fill out this short form, your coverage information is emailed to local insurance agents who will battle for your coverage. You won’t need to even leave your home since price quotes are sent directly to your email. How’s that for easy! You can find better rates without the usual hassles of price shopping.

Choosing a company needs to be determined by more than just the bottom line cost. These questions are important to ask:

Do the coverages you’re quoting properly cover your vehicle?
Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
Did they already check your driving record and credit reports?
What insurance companies do they recommend if they are an independent agent?
Do they specialize in personal lines coverage?
Does the agent have professional designations like CIC, CPCU or AIC?

Types of insurance agents

When researching a reputable insurance agent or broker, you must know there are a couple different types of agents that you can select. Agencies can either be independent or captive. auto insurance

Captive Agents

These agents are contracted to one company and examples are State Farm, AAA and Liberty Mutual. They are unable to shop your coverage around so they have to upsell other benefits. These agents are usually quite knowledgeable on their products and sales techniques and that can be a competitive advantage. Some consumers prefer to purchase coverage from captives mainly due to loyalty to the company and the convenience of having all coverages with one company.

Independent Agents

Independent agencies are not locked into one company but instead can place your coverage with any number of different companies and possibly get better coverage at lower prices. If your agent finds better pricing, your agent can switch companies without you having to go to a different agency.

When comparing rates, it’s a good idea to include multiple independent agents to ensure the widest selection of prices.Most can insure with smaller regional carriers who may have lower rates.

To view a complete directory of insurance agencies, click here.

After receiving satisfactory answers to any questions you have and a good coverage price, you have narrowed it down to an insurance agent that can properly insure your vehicles.

What is the best insurance coverage?

When buying proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.

These are some specific questions may help highlight whether or not you may require specific advice.

Am I covered if I drive in a foreign country?
Does my Mercedes-Benz GL320 CDI qualify for pleasure use?
How much liability do I need to cover my assets?
When should I drop full coverage on my Mercedes-Benz GL320 CDI?
Do all my vehicles need collision coverage?
Are split liability limits better than a combined single limit?
Does having multiple vehicles earn me a discount?
Are all vehicle passengers covered by medical payments coverage?
Is there coverage for injuries to my pets?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Why your Mercedes-Benz GL320 CDI might be costing you more

It’s important that you understand some of the elements that come into play when calculating the rates you pay for car insurance. Knowing what determines base rates helps enable you to make changes that could result in much lower annual insurance costs.

The list below includes some of the items that factor into premiums.

Rates may be lower depending on your job – Jobs such as real estate brokers, social workers and stock brokers tend to have the highest rates in part from stressful work requirements and lengthy work days. On the other hand, occupations such as pilots, students and retirees receive lower rates on GL320 CDI insurance.
Frequent car insurance claims increase rates – If you are a frequent claim filer, you can expect either a policy non-renewal or much higher rates. Insurance companies award cheaper rates to drivers who do not rely on their insurance for small claims. Auto insurance is intended for the bigger claims that can’t be paid out-of-pocket.
A clean driving record saves money – Your driving record has a lot to do with how much you pay for insurance. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even a single ticket can bump up the cost forty percent or more. Drivers who get severe violations like DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to drive a vehicle legally.
More than one policy can earn a discount – Some insurance companies provide better rates to insureds who buy several policies from them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money. Drivers may still find better rates by buying insurance from more than one company.
Are you male or female? – Statistics have proven women are more cautious behind the wheel. Now that doesn’t mean men are WORSE drivers than women. Men and women tend to get into accidents at about the same rate, but men tend to have more serious accidents. Men also receive more costly citations such as reckless driving.
Safe vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates. If your Mercedes-Benz GL320 CDI scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
Don’t let your coverage lapse – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. Not only will you pay more, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state DMV.

Don’t listen to company ads

Car insurance providers like Progressive, Allstate and GEICO continually stream ads on TV and radio. They all make an identical promise that you can save after switching your policy. How do they all say the same thing?

Insurance companies have a certain “appetite” for the type of customer that earns them a profit. For instance, a profitable customer could possibly be over the age of 40, has no prior claims, and chooses high deductibles. A customer who meets those qualifications receives the best rates and is almost guaranteed to cut their rates substantially.

Drivers who are not a match for these standards must pay a more expensive rate which usually ends up with the customer not buying. The ad wording is “drivers who switch” not “everybody who quotes” save that kind of money. That’s the way insurance companies can confidently state the savings. This illustrates why you need to quote coverage with many companies. It’s just too difficult to predict the company that will provide you with the cheapest rates.

Smart consumers save more

Discount Mercedes-Benz GL320 CDI insurance is definitely available online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and these regional insurance providers work with independent agents.

When you buy insurance online, it’s not a good idea to buy less coverage just to save a little money. Too many times, someone dropped collision coverage and found out when filing a claim that the savings was not a smart move. The ultimate goal is to find the BEST coverage at the best price while still protecting your assets.

Drivers leave their current company for a variety of reasons including denial of a claim, not issuing a premium refund, an unsatisfactory settlement offer and even being labeled a high risk driver. Regardless of your reason, switching car insurance companies is not as hard as you think.