Online rate comparisons for cheaper car insurance can seem complicated if you are like most people and have never completed online rate comparisons. But don’t be dismayed because there is an easy way to compare rates.
Performing a rate comparison is a ton of work if you aren’t aware of the easiest way. You can waste hours driving to insurance companies in your area, or you can utilize online quotes to quickly compare rates.
Most major companies belong to an insurance system where insurance shoppers only type in their quote data once, and each participating company provides a quote based on that information. This saves time by eliminating form submissions to each individual insurance company.
To compare rates now click here to start a free quote.
The only downside to doing it this way is that consumers can’t choose which companies to get pricing from. If you wish to select specific insurance companies to compare prices, we have a page of insurance companies in your area. Click here to view list.
Compare rates however you want, just try to keep the exact same coverage information for every quote you compare. If you have different data it will be nearly impossible to determine the best price for your Mercedes-Benz GLK-Class. Slightly different insurance coverages can mean a large discrepancy in price. And when quoting insurance, remember that obtaining a wide range of quotes increases the change that you will find the best offered rates.
Auto insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with ads in print and on television. All the companies state the claim that drivers can save some big amount if you change to them. How does every company offer you a better deal?
All companies require specific criteria for a prospective insured that earns them the highest profit. One example of a preferred risk could possibly be over the age of 50, has never had a policy lapse, and has a short commute. Someone that fits those parameters will get a cheap rate quote and is almost guaranteed to save when they switch companies.
Potential customers who fall short of the ideal profile must pay a higher premium which usually ends up with the customer buying from a different company. The wording the ads use say “drivers that switch” not “everyone who quotes” save the amount stated. That is how insurance companies can make claims that they all have the best car insurance rates. Because each company has a different risk profile, it is so important to do a rate comparison at every renewal. Because without a comparison, you cannot know which company will have the best rates for your profile.
Buying insurance is not cheap, but you may be missing some discounts that many people don’t even know exist. Some trigger automatically at quote time, but some may not be applied and must be specially asked for in order for you to get them.
You can save money using discounts, but most credits do not apply the the whole policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think it’s possible to get free car insurance, insurance companies wouldn’t stay in business. Any qualifying discounts should definitely cut your policy premium.
If you would like to see a list of companies who offer insurance discounts, click here to view.
When it comes to choosing proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.
For instance, these questions might help in determining whether you will benefit from professional help.
If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.
Understanding the coverages of car insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.
Comprehensive auto coverage
Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for things such as theft, hitting a bird, hitting a deer, hail damage and rock chips in glass. The most a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz GLK-Class.
Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability coverage
Liability insurance will cover damages or injuries you inflict on people or other property. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability insurance covers claims like emergency aid, court costs, loss of income and funeral expenses. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.
Medical payments and PIP coverage
Coverage for medical payments and/or PIP reimburse you for bills for dental work, hospital visits, doctor visits, chiropractic care and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay
Collision protection
Collision coverage covers damage to your GLK-Class from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against claims such as colliding with a tree, scraping a guard rail and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.
As you quote car insurance, do not skimp on critical coverages to save a buck or two. There are a lot of situations where someone sacrificed physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your goal is to buy the best coverage you can find at an affordable rate.
We just showed you many tips how you can shop for 2010 Mercedes-Benz GLK-Class insurance online. The key thing to remember is the more price quotes you have, the better likelihood of getting inexpensive car insurance. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising.
Drivers switch companies for a variety of reasons including an unsatisfactory settlement offer, policy cancellation, unfair underwriting practices and being labeled a high risk driver. It doesn’t matter what your reason, finding a new company is less work than it seems.
To read more, take a look at the articles below:
Keturah Weiss
I’ve had GEICO for years. I’m in Owensboro, KY.
Louie Munoz
If you don’t have tickets and live near Gaithersburg, MD, check out Allstate. You might save some money. BTW speeding tickets are not good. Online quotes are the way to go.
Sabina Barton
Well-written and thought out article. Found cheapest coverage with USAA for my Mercedes-Benz and saved about $170 a year. Was with Nationwide. I have a teen driver too. It’s still not cheap enough.
Maida Bell
Like your site, BTW. I’m in the north part of Virginia Beach, VA. I got free prices from Safeco, Eastwood, 21st Century, and Amica for my GLK-Class and I’m now saving $53 a month. Left Eastwood to switch. Good multi-policy discounts.
Greg Gross
I think I’m paying too much. From northwest of Lincoln, NE. Got free quotes online for a 2010 Mercedes-Benz GLK-Class. Ended up at about $170 savings annually. Went with State Farm.
Sau Richardson
Hope my rates come down. From northwest of Rochester, NY. Went online for free insurance quotes for a 2010 Mercedes-Benz GLK-Class. Ended up at about $140 savings annually. Went with 21st Century. Insured with 21st Century before. Thankfully I’m not a high risk driver. Online quotes are the way to go.
Jae Lloyd
I got a good deal I think. I live on the north side of Virginia Beach, VA. I quoted with Auto-Owners, Mercury, and Travelers for my Mercedes-Benz and saved just over $190 a year.
Jamar Hoffman
Hope my car insurance gets cheaper. I’m from Fayetteville, AR. Don’t remember every company but I ended up saving about $60 each month. Did it all online.