Break down each type of coverage and why you need it
The Mercedes GLE is the latest luxurious off-road SUV offered up by Mercedez-Benz and it comes with a hefty price tag. When you're spending $50,000+ on a vehicle, you'll want to know how to properly insure it. The right insurance agent can help you find the most affordable and necessary insurance for your Mercedes GLE.
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What Kind of Insurance Do You Need for Your Mercedes GLE?
There are a variety of required and recommended car insurance options available for Mercedes GLE drivers. Every state requires different coverage and your insurance agent can help you determine what insurance you need.
Bodily injury liability
If you're in an accident where you're at fault, liability insurance covers any injuries sustained by the third-party involved. It will cover everything from medical care costs to lost wages. Most states require a minimum amount of liability coverage.
Property damage liability
If you're in an accident that causes damage to someone else's vehicle, building or home your property damage liability coverage steps in. Like general liability, most states require a minimum amount of property damage liability coverage for drivers.
When it comes to liability coverage, it's a smart idea to purchase more than the minimum amount required by law. If you were to be in an accident and cause damage that exceeds your liability amounts you'll be responsible to pay out of pocket. Fortunately, your insurance agent can help you determine how much insurance you need.
Medical payments/Personal injury protection
Personal injury protection (PIP) or medical payments coverage is designed to pay for any injuries you might sustain in an accident. If you or your passenger is injured, no matter who is at fault, PIP will cover costs associated with ambulances, doctor visits, medication, funeral expenses, and other related costs.
Uninsured motorist coverage
Uninsured motorist coverage is there to protect you in the event that you're in an accident with someone driving without insurance. If they're at fault it will pay for any damage to your car and medical payments for you and your passengers.
Optional coverage options to consider
When you get behind the wheel there are a lot of things you can collide with. If you hit another vehicle or a foreign object like a wild animal, your collision insurance would pay for any damage to your vehicle.
Running into things is not the only risk you face when driving. Other incidents, like having a rock kick up from the car in front of you and hit your car, can result in damage to your vehicle. Comprehensive insurance pays to fix or repair your car in one of these unfortunate events.
Your windshield is your viewpoint on the road in front of you. A broken windshield can increase your danger levels when driving. When not taken care of, the police can even ticket you for driving around with a broken windshield. Mercedes-Benz uses "original equipment" glass which is specially created for use on Mercedes vehicles, including the GLE. This means that the company always recommends getting your glass repaired by a certified technician using genuine Mercedes-Benz parts.
If you buy a brand new car, the minute you leave the dealership it depreciates in value. If you were to get an accident and your insurance deemed your car totaled they pay out the determined total value of your car. At times, this can be less than what you still owe on the vehicle. The "gap" between what your insurance pays out of your totaled car and what you owe can be covered by gap insurance.
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What Affects the Cost of Insurance for Your Mercedes GLE?
How much you drive
The more often you drive the more at risk you are of getting in an accident. That's why your annual mileage is a contributing factor to the cost of car insurance. If you drive frequently with long commutes to and from work you can expect to pay a higher insurance premium.
Your driving record
It's plain and simple, a clean driving record means you're a safe driver. The safer you are behind the wheel the less of a risk factor insurance thinks you are. The less risky you are the lower your insurance premiums will be.
If you do get a violation, most will fall off your record after a Driver's Ed course or a certain number of years. Your independent insurance agent can help you determine when that will be.
The value of your car
A new Mercedes GLE starts at $54,250 and can cost as much as $77,600 depending on what model and features you want. There's no denying that's an expensive price range for a vehicle, and you'll have to pay the insurance premium to go with it. The more expensive a car, the more insurance has to pay to replace it, so you can expect higher insurance premiums.
|Model Year||Average Premium|
Safety of your Mercedes GLE
As we've already mentioned, the safer your car the better it is for your premium. The Institute for Highway Safety (IIHS) gave the Mercedes GLE an overall "good" rating across the board for all crash tests. This is the highest rating designation provided by IIHS. Consumer reports gave the vehicle a 69 out of 100 when looking at overall performance in road tests, predicted reliability, and owner satisfaction from annual auto surveys.
The location of your Mercedes GLE
Living in densely populated areas can result in higher insurance premiums. Your premium can also be increased if you have a long commute to and from work every day and if you'll be dealing with high amounts of traffic. Busy roads lead to more accidents and insurance has to account for those risks when setting premium amounts.
Additional factors that affect your Mercedes GLE insurance premiums
In addition to the above factors, the following will also be taken into consideration when setting your car insurance premium.
- Safety features like anti-theft devices
- Your age
- Your gender
- The deductibles you choose
- Your credit rating
What is the Average Cost to Insure a Mercedes GLE?
|Average annual cost to insure a Mercedes GLE||$1,894|
Which states are most affordable and least affordable for car insurance?
Estimated annual car insurance premiums in the United States:
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Top Insurance Carriers That Insure the Mercedes GLE
According to the Insurance Information Institute, the companies that offer the best car insurance for a Mercedes GLE are the ones with the highest market share. This includes:
Get a Mercedes GLE Quote
An independent insurance agent can help you get the most affordable quote available for your Mercedes GLE. Your agent will shop quotes from top insurance companies, finding you the best rate. Your agent can help you understand how to balance premium costs and insurance levels so you get the best value for your dollar.
Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Mercedes GLE. An independent insurance agent can shop dozens of insurance companies and help you get the right type of auto insurance.
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