Searching for lower auto insurance rates for your Mercedes-Benz GLC-Class? If you’re shopping for lower-priced insurance online, are you baffled by the number of auto insurance companies available to you? You’re not alone. You have so many companies available that it can be a big hassle to find a more affordable company.
It’s a good idea to quote other rates as often as possible because prices are rarely the same from one policy term to another. Despite the fact that you may have had the best price on GLC-Class coverage two years ago there may be better deals available now. There are lots of tips to save on auto insurance out there, but I’m going to show you some guaranteed methods to reduce your auto insurance bill.
If you have car insurance now, you should be able to reduce your rates substantially using these techniques. This article will instruct you on how to effectively get price quotes. Although car owners should learn the way insurance companies market insurance on the web and take advantage of how the system works.
Companies that sell car insurance don’t always publicize all available discounts in an easy-to-find place, so the list below details a few of the more common as well as some of the hidden credits available to lower your premiums when you buy insurance online.
One thing to note about discounts is that some credits don’t apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it appears you could get a free insurance coverage policy, companies wouldn’t make money that way.
Large insurance coverage companies and their possible discounts are outlined below.
Before buying, ask all companies you are considering which discounts you qualify for. Some of the discounts discussed earlier may not be offered in your area. For a list of providers with the best discounts, follow this link.
The quickest method we recommend to compare policy rates is to know the fact most larger insurance companies participate in a system to give rate comparisons. To get started, all you need to do is give them rating details like the year, make and model of vehicles, whether or not you need a SR-22, whether the vehicles are used for commuting, and if you are currently licensed. That rating information is instantly submitted to all major companies and you receive quotes instantly.
Part of the insurance coverage buying process is learning the factors that help determine your premiums. If you have some idea of what determines base rates, this allows you to make good choices that will entitle you to lower premium levels.
The items below are some of the items used by companies to determine your prices.
When choosing proper insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that may help you determine if your insurance needs would benefit from professional advice.
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.
Respected companies like Progressive, Allstate and Geico seem to constantly run ads on TV and radio. They all make an identical promise that you can save if you change your policy. That’s great but how can every company charge lower premium rates? You have to listen carefully.
Different companies quote the lowest rates for the type of customer that is profitable for them. For instance, a profitable insured might have to be a married female, has no driving citations, and has a high credit rating. Anybody that matches those criteria will get low car insurance rates and as a result will probably save a lot of money.
Potential customers who do not meet the “perfect” profile must pay a higher premium with the end result being the customer not buying. The ads state “customers who switch” not “everyone that quotes” can save as much as they claim. That is how insurance companies can confidently make it sound like they have such great car insurance rates.
This really drives home the point why you really should compare rate quotes every year. It’s just not possible to know which company will give you the biggest savings.
Having a good grasp of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz GLC-Class.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive auto coverage
This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against things such as theft, hail damage, damage from flooding, rock chips in glass and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage protection
This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like rolling your car, driving through your garage door, sideswiping another vehicle, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.
Medical payments and PIP coverage
Med pay and PIP coverage provide coverage for bills for dental work, doctor visits and EMT expenses. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible
Liability insurance will cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.
Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 which means 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 which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage pays for things like loss of income, repair bills for other people’s vehicles, structural damage, court costs and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Budget-friendly insurance is possible online in addition to many insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. Some insurance companies may not provide the ability to get quotes online and most of the time these small, regional companies prefer to sell through local independent agents.
We’ve covered some good ideas how you can shop for 2017 Mercedes-Benz GLC-Class insurance online. The key concept to understand is the more rate comparisons you have, the better your comparison will be. Consumers may even find the lowest rates come from some of the smallest insurance companies.
Insureds who switch companies do it for many reasons like high rates after DUI convictions, not issuing a premium refund, questionable increases in premium or poor customer service. Regardless of your reason for switching companies, finding a great new company is less work than it seems.
More detailed insurance information can be read in these articles:
Live in Idaho Falls, ID. I got free rates from Amica, MetLife, and some smaller one I can’t remember the name of for my GLC-Class and saved just over $120 a year. I get a discount for insuring multiple vehicles. I used their website to get prices.
I got quite a few price quotes for a 2017 Mercedes-Benz GLC-Class in Kansas City, Missouri. Ended up at darn near $360 every six months with AIG Insurance.
Progressive and Allstate had the best prices I found in Minnesota.
Well-written and thought out article. Proud to be from Birmingham, AL. Quoted quotes with Amica, Nationwide, and a few others for my Mercedes-Benz and I think I cut my rates about $30 each month. Was with Safeco. Thankfully I have a good driving record.
Not sure what I should be paying. From Tampa, FL. Quoted quotes with State Farm, AAA, Farmers, and GMAC for my GLC-Class and I think I cut my rates about $60 each month. Was with Nationwide. I have a couple other vehicles on the policy.
Here’s my info. I’m from Juneau, Alaska. Received quotes from Allstate, Amica, Eastwood, and Liberty Mutual for my 2017 Mercedes-Benz GLC-Class and saved $388 a year. Left Amica to switch. Bought it from an online quote.
I got a good deal I think. Went with Western Auto Insurance for my Mercedes-Benz and saved about $410 a year.
Like your site, BTW. Checking in from Providence, Rhode Island. I got free quotes with State Farm, American Family, and some I forget for my GLC-Class and I’m now saving $44 a month. Left American Family to switch. Not sure about claim service.
State Farm was cheapest for my 2017 Mercedes-Benz GLC-Class in Worcester, MA.
I went with State Farm at renewal. Best rates in Green Bay, WI.
Where can I find cheaper car insurance in Atlanta, Georgia?
Went with Hanover for my GLC-Class and saved around $500 a year. I get multi-vehicle and multi-policy discounts. God forbid I actually have a claim.
I’m just east of Providence, RI. I don’t recall every quote but I ended up saving about $60 each month. Was with Safeco.
Here’s my quote info. I live in Madison, Wisconsin. Got quotes with Progressive, Auto-Owners, Erie, and Liberty Mutual for my Mercedes-Benz and saved around $90 a year. It’s still not cheap enough.
Nice info. Went with USAA for my Mercedes-Benz and saved around $380 a year. BTW speeding tickets are not good. Just waiting to see how claims go.
I’m looking for cheaper coverage. From northwest of Charlotte, NC. I quoted with Auto-Owners, Erie, and Mercury for my Mercedes-Benz and I think I saved about $40 each month. Are quotes cheaper online?
From south side of Saint Louis, MO. Quoted a bunch of companies. Saved roughly $30 a month. Allstate was the most affordable for me.
Great info, thanks for posting. I live in Saint Paul, MN. Got car insurance quotes with AAA, MetLife, and a few others for my 2017 Mercedes-Benz GLC-Class and I’m now saving $36 a month. Left Auto-Owners to switch. A clean driving record helps.
Are Allstate or Allstate rates cheaper in Arkansas?