Cheaper 2016 Mercedes-Benz GLC-Class Car Insurance Quotes

Pretty sure you bought high-priced auto insurance? Believe me, there are many people just like you.

Due to the increasing number of options, it can be challenging to locate the lowest price insurer.

How much does auto insurance cost?

Most major insurance companies allow you to get pricing directly from their websites. Getting online quotes is easy for anyone because you just enter your coverage information into the quote form. Upon sending the form, the quote system gets your driving and credit reports and returns a price quote based on the information you submitted. This makes it a lot easier to compare rates but having to visit each company’s website and repetitively fill out multiple forms is a waste of time. But it’s also necessary to perform this step if you want to get a better rate.

A better way to locate the lowest prices utilizes a single form to obtain quotes from many companies. It saves time, helps eliminate reptitive entry, and makes online shopping a little more enjoyable. After your information is entered, it is quoted and you can select any of the quote results. If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. The entire process can be completed in less than 10 minutes and may save quite a bit of money.

To find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you duplicate the insurance coverages as close as possible to your current policy. Doing this guarantees you will be getting rate comparison quotes using the exact same coverages.

Cheaper rates by earning discounts

Car insurance is not an enjoyable expense, but discounts can save money and there are some available that could help you make your next renewal payment. A few discounts will be applied at quote time, but some must be asked about before they will apply.

  • Auto/Life Discount – Insurance carriers who offer life insurance give a discount if you purchase auto and life insurance together.
  • Organization Discounts – Participating in qualifying employment or professional organizations could qualify you for a break when getting a auto insurance quote.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.
  • Good Student Discount – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • No Accidents – Claim-free drivers get the best car insurance rates when compared with bad drivers.

While discounts sound great, it’s important to understand that most discount credits are not given the the whole policy. Most cut individual premiums such as comp or med pay. Just because you may think it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few popular companies and a selection of discounts are shown below.

  • American Family may have discounts that include mySafetyValet, good driver, early bird, TimeAway discount, accident-free, Steer into Savings, and bundled insurance.
  • Nationwide may include discounts for easy pay, Farm Bureau membership, defensive driving, accident-free, and multi-policy.
  • MetLife discounts include accident-free, good driver, defensive driver, multi-policy, good student, and claim-free.
  • 21st Century has discounts for student driver, anti-lock brakes, theft prevention, air bags, good student, defensive driver, and automatic seat belts.
  • Farmers Insurance may offer discounts for early shopping, electronic funds transfer, distant student, business and professional, and alternative fuel.
  • Allstate has savings for utility vehicle, senior citizen, good payer, 55 and retired, eSmart discount, safe driver, and new car.

It’s a good idea to ask each company the best way to save money. Savings may not apply to policyholders everywhere. If you would like to choose from a list of insurers with discount rates, follow this link.

Your car insurance coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions can help discover if you will benefit from professional help.

  • Is a new car covered when I drive it off the dealer lot?
  • Do I pay less for low miles?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does medical payments coverage apply to all occupants?
  • I have health insurance so do I need medical payments coverage?
  • Where can I find DUI or SR-22 insurance?
  • Can my teen drive my company car?
  • Is my state a no-fault state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Why smart consumers pay less for Mercedes-Benz GLC-Class insurance

Lots of things are part of the calculation when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, although others are not as apparent such as your credit history or how financially stable you are.One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that are used to determine the price you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you big savings.

  • How many miles do you drive? – The more miles you rack up on your Mercedes-Benz each year the more you’ll pay to insure your vehicle. A lot of companies calculate prices based on how the vehicle is used. Cars that sit idle most of the time get more affordable rates than vehicles that have high annual mileage. Verify your car insurance declarations sheet states the right rating data. Incorrect rating for your GLC-Class may be costing you.
  • Don’t skimp on liability coverage – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for physical damage or personal injury to other. It will provide for a legal defense which can be incredibly expensive. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.
  • Poor credit history equals high premiums – A driver’s credit score factor in determining what you pay. If your credit history can be improved, you may save money insuring your 2016 Mercedes-Benz GLC-Class by improving your credit score. Drivers who have good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings.
  • Consolidate and save – Most major companies will award discounts to clients who buy several policies from them. It’s known as a multi-policy discount. Even if you already get this discount, it’s always a smart idea to compare rates to ensure the best deal.There is a good possibility that you can find better rates even if you have your coverage with different companies
  • Teenagers are high risk – Drivers with little experience are proven to be more careless when driving so they pay higher car insurance rates. If you’ve ever had to add a first-time driver onto your car insurance can be very expensive. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.

Don’t believe everything you hear

Companies like GEICO, State Farm and Progressive consistently run television and radio advertisements. They all tend to make the same promise about savings if you switch your coverage to them. That’s great but how can every company charge you a lower premium? It’s all in the wording.

All the different companies have a certain “appetite” for the type of driver that earns them the highest profit. For example, a profitable risk profile could be between the ages of 30 and 50, has no claims, and drives a car with an anti-theft system. Someone who meets those qualifications gets the lowest car insurance rates and therefore will save if they switch.

Potential insureds who do not fit the “perfect” profile will get higher prices which leads to the driver buying from a lower-cost company. If you listen closely, the ads state “customers who switch” not “everyone who quotes” save that much money. This is how companies can state the savings. Different companies use different criteria so you really need to do a quote comparison often. It’s impossible to know the company that will have the lowest rates.

Insurance specifics

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be confusing and reading a policy is terribly boring. Below you’ll find typical coverages found on most insurance policies.

Liability coverage

Liability coverage protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like loss of income, funeral expenses, emergency aid and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, crashing into a building, colliding with another moving vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like a broken windshield, vandalism, damage from flooding and damage from getting keyed. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz GLC-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. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses such as prosthetic devices, chiropractic care, pain medications, ambulance fees and surgery. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Find Good Coverage for Less

Throughout this article, we presented a lot of ways to lower your 2016 Mercedes-Benz GLC-Class insurance car insurance rates. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost auto insurance. Consumers may even find the best car insurance rates are with some of the smallest insurance companies. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like Allstate or State Farm.

Lower-priced 2016 Mercedes-Benz GLC-Class insurance is attainable both online and from local agencies, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer price quotes online and usually these regional insurance providers sell through independent insurance agents.

More tips and info about auto insurance is located in these articles:

Comments About 2016 Mercedes-Benz GLC-Class Insurance

  1. Victoria Mccarty

    Nice post. From Miami, FL. Can’t remember who all I quoted but I ended up saving about $70 each month. I quoted rates online then called them.

  2. Samual Allison

    Lots of useful info here. I’m in the south part of Omaha, NE. Not sure of all the companies but I ended up saving about $50 each month. Was with AIG Insurance. I increased coverages a little too.

  3. Deanna Greene

    Enjoyed the article. I’m in the suburbs of Rapid City, South Dakota. I got free prices from American Family, Nationwide, and USAA for my 2016 Mercedes-Benz GLC-Class and saved $193 a year. Left AAA to switch.

  4. Jame Battle

    Cheapest quote for my 2016 Mercedes-Benz GLC-Class was with Encompass.

  5. Johna Delacruz

    I’m in the east part of Wilmington, DE. Went online for free insurance quotes for a 2016 Mercedes-Benz GLC-Class. Ended up at about $550 savings annually. Went with 21st Century. Was with Esurance. Still almost need a second mortgage.

  6. Lorenzo Cantrell

    I live in Columbus, OH. Checked online prices for a 2016 Mercedes-Benz GLC-Class. Ended up at about $280 savings annually. Went with 21st Century. It’s easy to compare rates online now.

  7. Mack Cunningham

    I’m in the suburbs of Anchorage, AK. Got car insurance quotes with Allstate, American Family, and Eastwood for my Mercedes-Benz and I think I saved around $20 each month. I think they have home insurance too. Did it all online.

  8. Shaquita Powers

    Cheaper not always better. I’m in the suburbs of Aurora, Illinois. I quoted with AIG Insurance, Encompass, and Safeco for my Mercedes-Benz and saved $301 a year. Was with Amica. It never hurts to quote around.

  9. Hana Stein

    Anyone find cheap rates around Little Rock, Arkansas?

  10. Emely Adkins

    Will Allstate raise rates for a small claim?

  11. Delmer Winters

    Great info, thanks for posting. I’m just south of New York City, New York. Quoted a bunch of companies. Saved darn near $20 a month. 21st Century was the cheapest option for me. It’s still not cheap enough.

  12. Neely Meyers

    Corporate greed I’m telling you. Located in Warren, MI. Quoted quotes with Hanover, Amica, Mercury, and a couple others for my Mercedes-Benz and am saving around $210 a year. Wish I didn’t have to insure at all.

  13. Willie Dejesus

    Does State Farm insure teenage drivers?

  14. Jame Stone

    I think I’m paying too much. I live in Nampa, ID. I got free rates from Safeco, Encompass, Progressive, and AAA for my GLC-Class and I’m now saving $36 a month. Not sure about claim service.

  15. Delcie Briggs

    Nice post. From northwest of Shreveport, Louisiana. Got car insurance quotes from Travelers, AAA, Hanover, and Mercury for my Mercedes-Benz and saved just over $240 a year. Teenage drivers are expensive! Are quotes cheaper online?