View 2011 Mercedes-Benz GLK-Class Insurance Quotes

Want cheaper car insurance rates? Drivers have a choice when trying to find the best price on Mercedes-Benz GLK-Class insurance. You can either waste hours calling around to compare prices or use the internet to compare rates.

There are more efficient ways to compare car insurance rates and you need to know the proper way to quote coverages on a Mercedes-Benz and find the cheapest rates from both online companies and local agents.

Finding car insurance

Most of the larger companies give prices for coverage directly from their websites. Comparing prices online is quite simple as all you need to do is type in your required coverages into the quote form. After you submit the form the quote system will obtain information on your driving record and credit history and generates a price based on these factors.

This helps simplify price comparisons, but having to visit each company’s website and repetitively type in your information is a big time waster. But it’s necessary to get many rate quotes in order to get a lower rate.

An easier way to compare rates is to use a quote form that gets price quotes from several different companies. The form is fast, helps eliminate reptitive entry, and makes price shopping online much more enjoyable. After sending the form, it gets priced and you can choose your choice of the price quotes you receive.

If a lower price is quoted, you can simply submit the application and buy the policy. It only takes a few minutes and may result in a nice savings.

To compare rates now, click here and submit the form. If you currently have coverage, we recommend you replicate as shown on your current policy. This way, you will have rate quotes for similar insurance coverage.

Do you qualify for discount insurance?

Auto insurance companies don’t always advertise every available discount very well, so the below list has both the well known as well as the least known credits available to you.

• Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts could save 15% on medical payment and PIP coverage.
• Responsible Drivers – Drivers who avoid accidents could pay up to 40% less for GLK-Class coverage as compared to drivers with claims.
• Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
• Student in College – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home could qualify for this discount.
• Save over 55 – Drivers over the age of 55 may qualify for reduced rates for GLK-Class coverage.
• Claim Free – Insureds with no claims or accidents pay much less compared to frequent claim filers.

Please keep in mind that most discounts do not apply to the entire cost. Some only reduce the price of certain insurance coverages like collision or personal injury protection. So even though you would think you can get free auto insurance, it doesn’t quite work that way. But all discounts will lower your policy cost.

Popular insurance companies and some of the premium reductions they offer are:

• Geico discounts include multi-vehicle, defensive driver, air bags, five-year accident-free, membership and employees, and anti-lock brakes.
• Travelers offers premium reductions for multi-policy, good student, early quote, student away at school, IntelliDrive, driver training, and home ownership.
• Farm Bureau offers discounts for 55 and retired, good student, multi-policy, youthful driver, multi-vehicle, renewal discount, and safe driver.
• Liberty Mutual has savings for new move discount, multi-policy, new graduate, exclusive group savings, preferred payment discount, and teen driver discount.
• American Family may have discounts that include bundled insurance, TimeAway discount, air bags, Steer into Savings, multi-vehicle, good student, and early bird.
• Progressive may include discounts for homeowner, continuous coverage, good student, online signing, multi-policy, online quote discount, and multi-vehicle.

Before purchasing a policy, check with each insurance company which discounts you qualify for. Depending on the company, some discounts may not be offered in your area. To see a list of insurance companies who offer insurance discounts, follow this link.

What insurance coverages do I need?

When it comes to buying the best insurance coverage coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions may help you determine whether or not you might need professional guidance.

• Is borrowed equipment or tools covered if stolen or damaged?
• Does my insurance cover a custom paint job?
• Is a new car covered when I drive it off the dealer lot?
• Can my babysitter drive my car?
• Is business property covered if stolen from my car?
• Does coverage extend to a rental car in a foreign country?
• What exactly is covered by my policy?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form. It only takes a few minutes and may give you better protection.

Car insurance coverages for a Mercedes-Benz GLK-Class

Learning about specific coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2011 Mercedes-Benz GLK-Class.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are set the same as your liablity limits.

Coverage for collisions

Collision coverage pays for damage to your GLK-Class caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like driving through your garage door, backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.

Auto liability insurance

Liability insurance provides protection from damage or injury you incur to other’s property or people by causing an accident. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, attorney fees, court costs, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like prosthetic devices, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto coverage

This pays for damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like theft, fire damage, a broken windshield and hitting a deer. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Don’t break the bank

People who switch companies do it for a number of reasons such as lack of trust in their agent, being labeled a high risk driver, extreme rates for teen drivers and delays in responding to claim requests. Regardless of your reason, finding a new company is not as hard as you think.

Lower-priced insurance is available from both online companies and from local agencies, so you should compare both in order to have the best chance of saving money. Some companies may not provide rate quotes online and these smaller companies sell through independent agencies.

When searching for inexpensive insurance coverage quotes, you should never buy less coverage just to save a little money. In many instances, an accident victim reduced uninsured motorist or liability limits to discover at claim time that the savings was not a smart move. The proper strategy is to find the BEST coverage at the lowest possible cost, but don’t skip important coverages to save money.

More detailed insurance information can be found by following these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Senior Drivers (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Cellphones, Texting and Driving (iihs.org)
• Distracted Driving Extends Beyond Texting (State Farm)