Compare 2013 Mercedes-Benz GLK-Class Car Insurance Cost

Do you get frustrated by the number of auto insurance companies available to you? Lot’s of other drivers are too. people have such a vast assortment of companies available that it can turn into a real hassle to locate the lowest rates.

It is always a good idea to get comparison quotes quite often because insurance prices are variable and change quite frequently. Despite the fact that you may have had the lowest quotes for GLK-Class coverage at your last renewal the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re going to learn the right way to reduce your cost while increasing coverage.

Informed consumers can cut insurance costs

Many things are part of the calculation when quoting car insurance. Most are fairly basic like a motor vehicle report, but other factors are less obvious like your continuous coverage and annual miles driven.Part of the insurance buying process is learning the different types of things that help determine your policy premiums. When you know what positively or negatively positively or negatively impacts your premiums, this helps enable you to make changes that could result in lower rates.

  • Your address can affect premiums – Having an address in less populated areas can save you money when talking about insurance. City drivers have to deal with more aggressive driving styles and more time behind the wheel. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.
  • Rental and towing coverage may not be needed – Insurance companies have many extra coverages that can add up but may not be useful. Add-on coverages like rental car coverage, better glass coverage, and extra equipment coverage may not be needed and are just wasting money. These may sound like a good investment at first, but if they’re wasting money remove them and pocket the money.
  • Cautious drivers have lower rates – Being a careful driver impacts your car insurance rates tremendously. Having just one driving citation can bump up the cost by as much as twenty percent. Careful drivers pay less for auto insurance than people who have multiple driving citations. Drivers unfortunate enough to have dangerous violations such as DUI or willful reckless driving may need to file a SR-22 with their state’s department of motor vehicles in order to prevent a license revocation.
  • How much liability insurance do you need? – Liability coverage provides coverage in the event that you are determined to be liable for damages caused by your negligence. Liability insurance provides you with a defense in court to defend your case. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Bump up coverage deductibles to lower rates – Your deductibles tell how much you are required to spend if you file a covered claim. Physical damage protection, also called ‘full coverage’, protects your car from damage. Some coverage claims would be rearending another vehicle, hail damage, and having a roll-over accident. The higher the amount you have to pay, the lower your rates will be for GLK-Class coverage.
  • Vehicle theft costs us all – Choosing to buy a car that has a built-in theft deterrent system can save you a little every year. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop auto theft and help lower rates.
  • Bad credit will cost you – A driver’s credit score can be an important factor in calculating your premium rate. Therefore, if your credit score is lower than you’d like, you may save money insuring your 2013 Mercedes-Benz GLK-Class by improving your rating. Drivers with excellent credit tend to file fewer claims than drivers with poor credit scores.
  • Vocation impacts insurance rates – Did you know your job can affect your rates? Occupational choices like real estate brokers, business owners and dentists generally have higher premiums than the average policyholder due to intense work requirements and extremely grueling work hours. On the flip side, occupations such as actors, engineers and retirees receive lower rates for GLK-Class coverage.

Take advantage of every insurance discount

Insurance can be prohibitively expensive, but discounts can save money and there are some available that can drop the cost substantially. Certain reductions will be credited when you get a quote, but lesser-known reductions have to be asked for before you get the savings.

  • Defensive Driving Course – Participating in a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles have fewer accidents and will save you 10% or more.
  • Discount for Low Mileage – Fewer annual miles on your Mercedes-Benz may allow you to get lower insurancerates on the low mileage vehicles.
  • Pay Early and Save – By making one initial payment rather than paying in monthly installments you can avoid monthly service charges.
  • Homeowners Discount – Just being a homeowner can save a few bucks due to the fact that maintaining a home is proof of financial responsibility.

We need to note that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the appearance that having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will cut your overall bill.

The best insurance companies and a summarized list of policyholder discounts are outlined below.

  • State Farm offers premium reductions for multiple autos, good student, defensive driving training, accident-free, good driver, and anti-theft.
  • GEICO offers discounts including membership and employees, military active duty, emergency military deployment, daytime running lights, defensive driver, multi-policy, and good student.
  • SAFECO has savings for bundle discounts, accident prevention training, multi-car, drive less, teen safety rewards, and safe driver.
  • Farmers Insurance may include discounts for good student, teen driver, electronic funds transfer, alternative fuel, homeowner, youthful driver, and early shopping.
  • AAA policyholders can earn discounts including AAA membership discount, multi-car, anti-theft, good student, and multi-policy.
  • USAA may offer discounts for safe driver, multi-policy, annual mileage, vehicle storage, new vehicle, military installation, and multi-vehicle.

Before buying, ask all the companies to apply every possible discount. Some discounts listed above might not be offered in your state. For a list of insurance companies that offer many of these discounts, click this link.

Save $459 a year. For real?

Big name companies like Allstate and Progressive regularly use television and radio advertisements. They all convey the message that drivers can save some big amount if you get a free insurance quote and switch your car insurance policy to them. How does each company say the same thing? Here is the trick they use.

Many companies offer their best rates for the type of driver that is profitable for them. An example of a desirable risk might be described as between 30 and 50, has a low-risk occupation, and drives newer vehicles. Any person that hits that “sweet spot” will qualify for the lowest premium rates and will also save some money.

Drivers who don’t meet these criteria may receive higher prices which translates to the driver buying from a lower-cost company. The ads state “drivers that switch” not “everyone that quotes” save that much. That’s the way companies can truthfully make those statements.

Because every company is different, you really should compare rate quotes every year. Because you cannot predict which company will give you lower auto insurance rates than your current company.

How to know if you need help

When it comes to choosing the best auto insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your situation might need professional guidance.

  • Can I get a multi-policy discount?
  • Does liability extend to a camper or trailer?
  • What is an SR-22 filing?
  • Am I covered when driving a rental car?
  • When would I need rental car insurance?
  • Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form.

Car insurance coverages for a Mercedes-Benz GLK-Class

Having a good grasp of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Collision insurance

This coverage will pay to fix damage to your GLK-Class caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, hitting a parking meter and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from flooding, hail damage, a tree branch falling on your vehicle, damage from a tornado or hurricane and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages

This will cover damage that occurs to a person or their property. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like medical expenses, emergency aid and loss of income. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses for things like ambulance fees, hospital visits and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your 2013 Mercedes-Benz GLK-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

A tidy conclusion

You just learned a lot of information how to compare 2013 Mercedes-Benz GLK-Class insurance prices online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding the cheapest insurance. Consumers could even find that the lowest prices come from an unexpected company.

As you shop your coverage around, never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice full coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best possible price, not the least amount of coverage.

Affordable 2013 Mercedes-Benz GLK-Class insurance is possible from both online companies as well as from insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies may not have online quoting and most of the time these small, regional companies prefer to sell through independent agents.

To read more, feel free to browse the articles below: