2015 Mercedes-Benz GLK-Class Insurance Cost – 6 Tips for Best Prices

Trying to find lower auto insurance rates? Buyers have many options when searching for affordable Mercedes-Benz GLK-Class insurance. You can either spend your time calling around to compare prices or utilize the internet to compare rates.

There is a right way and a wrong way to buy auto insurance so we’re going to tell you the proper way to compare rates on a Mercedes-Benz and obtain the lowest possible price.

If you have a policy now or are looking for a new policy, you can use this information to find better prices while maintaining coverages. The purpose of this article is to familiarize you with the most effective way to quote insurance and some tips to save money. Drivers only need an understanding of how to shop online.

How to compare free insurance quotes

Most of the larger companies such as Allstate, Geico and Progressive make it easy to get coverage price quotes directly from their websites. Comparing prices online is quite easy as you simply type in the coverages you want on the page. Upon sending the form, their rating system orders your credit score and driving record and gives you a price quote.

This simplifies rate comparisons, but the time it takes to visit different websites and complete many quote forms can be a bit repetitive. But it’s necessary to perform this step if you want to get the best price possible.

The quickest way to find better insurance pricing is to use a quote form that obtains quotes from several different companies. This type of form saves time, requires much less work on your part, and makes price shopping online much more enjoyable and efficient. Immediately after submitting the form, it is quoted and you can select any one of the returned quotes.

If the quotes result in lower rates, you can simply submit the application and purchase coverage. It only takes a few minutes and could lower your rates considerably.

To find out what other companies charge, click here and enter your information. If you have a policy now, it’s recommended that you enter coverages and limits exactly as shown on your declarations page. This way, you will be getting a fair comparison using the same coverage and limits.

Cheaper auto insurance quotes with discounts

Not many people think insurance is cheap, but you may qualify for discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but some discounts are required to be manually applied in order for you to get them.

• Safety Course Discount – Taking a class that teaches defensive driver techniques can save you 5% or more and also improve your driving technique.
• Home Ownership Discount – Just owning your own home may earn you a small savings since home ownership demonstrates responsibility.
• 55 and Retired – If you qualify as a senior citizen, you may be able to get lower premium rates for GLK-Class coverage.
• Federal Employees – Having worked for a branch of the government can earn a discount up to 10% for GLK-Class coverage with certain companies.
• Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz could be rewarded with lower prices due to less chance of an accident.
• Passive Restraints – Vehicles equipped with air bags could see savings of 20% or more.

One thing to note about discounts is that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like it’s possible to get free car insurance, you won’t be that lucky.

Some of the larger companies that may offer quotes with some of the discounts shown above are:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you are trying to find inexpensive car insurance quotes, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts may not be offered in your area. To see a list of auto insurance companies who offer auto insurance discounts, follow this link.

Tailor your auto insurance coverage to you

When buying coverage, there is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions can aid in determining if you would benefit from professional advice.

• How much underlying liability do I need for an umbrella policy?
• Does my 2015 Mercedes-Benz GLK-Class qualify for pleasure use?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What is medical payments coverage?
• Is my teen driver covered when they drive my company car?
• Is my dog or cat covered if injured in an accident?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form. It is quick, free and you can get the answers you need.

Brand name doesn’t guarantee savings

Consumers can’t avoid all the ads that promise big savings by companies like Allstate, Geico and Progressive. They all make the same claim of big savings if you change your policy.

How does each company make almost identical claims?

Insurance companies have specific criteria for the right customer that earns them the most money. For example, a profitable insured might have to be over the age of 45, has other policies, and drives a car with an anti-theft system. Any person that matches those criteria will get very good premium rates and will probably save a lot if they switch.

Drivers who do not meet those standards will have to pay a more expensive rate and this results in the customer not buying. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s the way companies can make those claims.

Because of this risk profiling, you really should get car insurance quotes as often as possible. It’s just not possible to know which insurance coverage company will have the lowest prices for your situation.

Car insurance 101

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays 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 have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, rock chips in glass, a tree branch falling on your vehicle and damage from flooding. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for short-term medical expenses such as surgery, prosthetic devices, doctor visits and pain medications. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision coverage protection

This coverage will pay to fix damage to your GLK-Class resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to bring the cost down.

Auto liability insurance

Liability insurance can cover damage that occurs to people or other property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as court costs, pain and suffering, funeral expenses, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Quote more, save more

Budget-friendly auto insurance is possible from both online companies in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some auto insurance companies don’t offer rate quotes online and most of the time these smaller companies sell through independent agents.

In this article, we covered some good ideas how to lower your 2015 Mercedes-Benz GLK-Class insurance premium rates. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with a lesser-known regional company.

Drivers change insurance companies for many reasons like lack of trust in their agent, high rates after DUI convictions, questionable increases in premium and even poor customer service. Regardless of your reason for switching companies, finding a great new company can be easy and end up saving you some money.

Even more information can be found by following these links:

• Things to Know Before you Cancel Insurance (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)
• Choosing an Insurance Company (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)
• Keeping Children Safe in Crashes Video (iihs.org)