2014 Mercedes-Benz GLK-Class Insurance Rates – 9 Tricks for Best Quotes

Consumers have lots of choices when looking for the best price on Mercedes-Benz GLK-Class insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to compare rates.

There are both good and bad ways to find car insurance online so you’re going to learn the absolute fastest way to get price quotes on a Mercedes-Benz and locate the cheapest rates either online or from local insurance agents.

Don’t overlook these nine car insurance discounts

Car insurance is not an enjoyable expense, but you might be missing out on some discounts that could drop your premiums quite a bit. Many discounts should be triggered when you complete an application, but some need to be specifically requested in order for you to get them.

  • Paper-free Discount – A few insurance companies will give you a small discount get insurance coverage on their website.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems have fewer accidents and the ABS can save up to 10%.
  • Senior Discount – Drivers over the age of 55 can get a small discount on rates for GLK-Class coverage.
  • Federal Employees – Employees or retirees of the government may qualify for a discount when you quote insurance coverage for GLK-Class coverage with a few car insurance companies.
  • No Accidents – Good drivers with no accidents can earn big discounts in comparison with policyholders that have many claims.
  • Anti-theft System – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and that can save you a little bit as well.
  • Clubs and Organizations – Being in a professional or civic organization could qualify you for a break on your policy.
  • Discount for Good Grades – Getting good grades may save you up to 25%. Most companies allow this discount up to age 25.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course if offered at their school.

Don’t be surprised that most discounts do not apply to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Despite the fact that it seems like all the discounts add up to a free policy, you aren’t that lucky.

Larger car insurance companies and their possible discounts are included below.

  • Mercury Insurance may offer discounts for multi-car, multi-policy, type of vehicle, anti-theft, good driver, and low natural disaster claims.
  • Farmers Insurance discounts include pay in full, bundle discounts, good student, youthful driver, alternative fuel, and business and professional.
  • Farm Bureau policyholders can earn discounts including multi-vehicle, driver training, youthful driver, good student, safe driver, and renewal discount.
  • State Farm may include discounts for passive restraint, multiple policy, driver’s education, accident-free, defensive driving training, and safe vehicle.
  • Allstate may have discounts that include EZ pay plan discount, good student, multi-policy, eSmart discount, and farm vehicle.
  • Geico offers discounts for five-year accident-free, military active duty, membership and employees, driver training, seat belt use, defensive driver, and daytime running lights.

Check with every prospective company which discounts they offer. A few discounts may not apply to policies in your state. To view companies who offer cheap car insurance quotes, follow this link.

Buy insurance coverage online

Finding low cost insurance coverage quotes can be relatively painless. You just have to invest a little time comparing rates to find out which insurance company has low cost insurance coverage quotes. This can be done by using one of the methods below.

One of the best ways to get quotes would be an industry-wide quote request form (click to open form in new window). This easy form prevents you from having to do boring form submissions for every company. A single, simple form gets coverage cost estimates from multiple low-cost companies. It’s the fastest way to compare.

A more difficult way to analyze rates is to take the time to go to each company’s website and complete a new quote form. For sake of this example, we’ll assume you want to compare Farmers, Allstate and Travelers. To find out each rate you need to navigate to each company’s site and repeatedly enter your information, which can be really labor intensive. For a list of companies in your area, click here.

The approach you take is up to you, just make absolute certain that you use apples-to-apples coverage limits for each quote you get. If you use mixed coverages it will be nearly impossible to get a fair rate comparison.

When to get professional advice

When it comes to buying the right insurance coverage, there is no one size fits all plan. Each situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • Do I need to file an SR-22 for a DUI in my state?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?
  • Is rental equipment covered for theft or damage?
  • Why is insurance for a teen driver so high?
  • What is PIP insurance?
  • How much liability do I need to cover my assets?
  • Should I drop comprehensive coverage on older vehicles?
  • Where can I find high-risk insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and can help protect your family.

Insurance coverage specifics

Knowing the specifics of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Mercedes-Benz GLK-Class.

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

Coverage for medical payments

Med pay and PIP coverage kick in for bills for chiropractic care, doctor visits and EMT expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Auto collision coverage

Collision coverage pays for damage to your GLK-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a parking meter, sustaining damage from a pot hole, sideswiping another vehicle, colliding with another moving vehicle and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, hail damage, damage from flooding, falling objects and damage from getting keyed. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims such as emergency aid, repair costs for stationary objects and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Compare but don’t skimp

We just presented a lot of tips how to save on 2014 Mercedes-Benz GLK-Class insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding cheaper insurance coverage. Consumers could even find that the lowest auto insurance rates are with a company that doesn’t do a lot of advertising.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, unfair underwriting practices, policy non-renewal or delays in paying claims. Regardless of your reason for switching companies, finding a great new company can be easier than you think.

As you prepare to switch companies, never buy poor coverage just to save money. In many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

Additional learning opportunities

Comments About 2014 Mercedes-Benz GLK-Class Insurance

  1. Dortha Colon

    Thanks for putting this site together. I’m in the suburbs of Cedar Rapids, Iowa. Got car insurance quotes with Western Auto Insurance, AIG Insurance, Hanover, and Nationwide for my Mercedes-Benz and I think I saved about $50 each month. Have a couple speeding tickets too.

  2. Letha Stevenson

    GEICO is cheapest in New Mexico! :)

  3. Ayesha Gonzalez

    Hope my rates come down. I’m in Indianapolis, Indiana. Quoted prices from Amica, Nationwide, and some smaller one I can’t remember the name of for my 2014 Mercedes-Benz GLK-Class and saved around $500 a year. Insured with MetLife before.

  4. Bonita Davidson

    If you’re a decent driver and live near Hartford, CT, check out GEICO. They seem to be cheaper. Not sure if rates are cheaper online or through an agent.

  5. Scot Lucas

    IT’S ALL TOO EXPENSIVE! I’m in the suburbs of Omaha, NE. Quoted with AIG Insurance, Erie, and Safeco for my Mercedes-Benz and I think I cut my rates about $40 each month. BTW speeding tickets are not good. Get lots of quotes to find the best rate.

  6. Markita Herman

    I live just outside Manchester, NH. I compared lots of rates. Saved right around $30 a month. State Farm was the best choice for me. Insured with AIG Insurance before.

  7. Damaris Sims

    Good detail in your article. From northwest of Dallas, TX. Compared rates from a lot of places. Saved right around $40 a month. State Farm was the cheapest option for me.

  8. Janean Romero

    In Honolulu, HI try Allstate or Progressive. Both had decent prices.

  9. Mose Shepherd

    I can’t pay high rates. Found cheapest coverage with Sentry for my GLK-Class and saved about $510 a year. Was with Erie. Bought it from an online quote.

  10. Evette Emerson

    Anyone like their agent?

  11. Tia Kane

    Anyone like their agent?

  12. Ross Robinson

    I got decent rates for a 2014 Mercedes-Benz GLK-Class in Dover, DE. Ended up at darn near $130 every six months with Auto-Owners. I have a teen driver too.

  13. Candice Wallace

    I live on the south side of Lewiston, Maine and for me 21st Century had the lowest quote. A clean driving record helps. :P

  14. Cordie Ewing

    Not sure if this is cheap. I’m in the suburbs of Memphis, Tennessee. Got car insurance prices from Progressive, American Family, and some I forget for my Mercedes-Benz and saved just over $200 a year. Can still barely afford it.

  15. Lenard Bray

    Progressive is pretty cheap in Texas! :)