2012 Mercedes-Benz GLK-Class Insurance Quotes

Are you a victim of an overpriced auto insurance policy? Don’t sweat it because many consumers feel financially strained by their auto insurance policy.

Because there are so many companies and agents to choose from, it is hard for the average consumer to find a lower cost insurance company.

Consumers need to check auto insurance prices every six months because auto insurance prices are variable and change quite frequently. If you had the best price on GLK-Class coverage six months ago you will most likely find a better rate today. There are lots of tips to save on auto insurance online, but in this article, you’re going to get some solid techniques on how to lower your auto insurance premiums.

Insurance coverage rates and discounts

Insurance coverage is easily one of your largest bills, but you may be missing some discounts that could drop your premiums quite a bit. Some of these disounts will be visible at the time of quoting, but lesser-known reductions have to be specifically requested before being credited. If you aren’t receiving every discount available, you are just wasting money.

  • College Student Discount – College-age children living away from home attending college and don’t have a car can be insured at a reduced rate.
  • Passive Restraints – Cars that have air bags can qualify for discounts of 25 to 30%.
  • Discount for Life Insurance – Select insurance carriers reward you with a discount if you purchase a life insurance policy as well.
  • Save with a New Car – Buying a new car model may earn a small discount since newer vehicles have better safety ratings.
  • Accident Free – Drivers who don’t have accidents have much lower rates as opposed to frequent claim filers.
  • 55 and Retired – Older drivers are able to get better insurance coverage rates on GLK-Class coverage.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in high school.

Just know that most credits do not apply the the whole policy. A few only apply to specific coverage prices like comp or med pay. So even though you would think all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of insurance coverage companies and their offered discounts are outlined below.

  • State Farm offers discounts including student away at school, Drive Safe & Save, passive restraint, defensive driving training, anti-theft, and Steer Clear safe driver discount.
  • GEICO includes discounts for air bags, anti-theft, federal employee, defensive driver, membership and employees, seat belt use, and emergency military deployment.
  • Progressive offers discounts for online quote discount, homeowner, online signing, multi-policy, multi-vehicle, continuous coverage, and good student.
  • 21st Century may include discounts for theft prevention, air bags, anti-lock brakes, good student, teen driver, driver training, and 55 and older.
  • American Family has discounts for TimeAway discount, air bags, bundled insurance, Steer into Savings, accident-free, and early bird.
  • The Hartford discounts include good student, anti-theft, defensive driver, air bag, vehicle fuel type, and bundle.
  • AAA may have discounts that include AAA membership discount, multi-policy, good student, education and occupation, and multi-car.

Before you buy a policy, ask every prospective company the best way to save money. Some discounts listed above might not apply in your area. To see companies that can offer you the previously mentioned discounts, click here.

How to get insurance price quotes

All major insurance companies like Progressive, Allstate and GEICO give pricing on the web. Doing online quotes is quite easy because you just enter your coverage preferences into a form. When complete, their quoting system gets reports for credit and driving violations and generates a price determined by many factors. Online price quotes makes it simple to compare prices but the time it takes to visit different websites and type in your information can be a bit repetitive. But it’s necessary to compare as many rates as possible if you are searching for the lowest possible prices on insurance.

The smarter way to lower your rates utilizes a single form that gets price quotes from many companies. The form is fast, requires much less work on your part, and makes online price comparison much easier to do. After your information is entered, it gets priced and you are able to buy any of the quote results. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to use this form to compare rates, simply click here to open in new window and enter your information. If you have coverage now, it’s recommended you duplicate the coverage information exactly as they are listed on your policy. This guarantees you will have rate comparison quotes for similar coverage.

Informed consumers can lower their insurance rates

Many factors are used in the calculation when you get a price on insurance. Some are obvious like your driving record, but other criteria are less apparent such as your marital status or how safe your car is.

The itemized list below are a few of the “ingredients” utilized by car insurance companies to help set your premiums.

  • You may save more by consolidating policies – Most major companies will give lower prices to policyholders who buy several policies from them. It’s known as a multi-policy discount. This can amount to as much as ten percent or more If you currently are using one company, consumers should still check prices from other companies to ensure the best deal.
  • Don’t get traffic citations – How you drive can have a huge impact on auto insurance premiums. Only having one moving violation may increase your cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. Drivers who have severe tickets such as hit and run, DWI or reckless driving convictions may find that they have to to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
  • Your address can affect price – Living in less populated areas can be a good thing if you are looking for the lowest rates. Fewer drivers corresponds to lower accident rates and also fewer theft and vandalism claims. People in densly populated areas tend to have more auto accidents and more time behind the wheel. The longer drive time means higher likelihood of an accident.
  • Car insurance rates and your job – Jobs such as judges, architects and accountants generally have the highest average rates because of high stress levels and lots of time spent away from family. Other professions such as actors, athletes and the unemployed have lower than average premiums on GLK-Class coverage.
  • Save by staying claim free – If you are a frequent claim filer, you should expect higher premiums or even policy non-renewal. Insurance companies generally give the best rates to policyholders who do not rely on their insurance for small claims. Your car insurance is designed for larger claims.
  • Drive a safer car and pay less – Cars with five star safety ratings get lower rates. Vehicles engineered for safety protect occupants better and fewer injuries means less money paid by your insurance company passed on to you as lower rates.
  • Keep the miles off and save – The more you drive your Mercedes-Benz in a year the more you will pay for car insurance. The majority of insurers apply a rate based on their usage. Cars and trucks that have low annual miles cost less to insure than cars that get driven a lot. It’s always a good idea to double check that your declarations sheet properly reflects annual mileage, because improper ratings can cost you money. An incorrectly rated GLK-Class can cost quite a bit.
  • Can a thief steal your car? – Owning a car with anti-theft technology or alarm system can help lower your premiums. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your vehicle from being stolen.

Situations that may require an agent’s advice

When choosing adequate coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions can help discover if your insurance needs might need professional guidance.

  • How do I file an SR-22 for a DUI in my state?
  • Am I covered when driving someone else’s vehicle?
  • Am I better off with higher deductibles on my 2012 Mercedes-Benz GLK-Class?
  • Am I covered if my car is in a flood?
  • Will my rates increase for filing one claim?
  • When should my teen driver be added to my policy?
  • Do I need replacement cost coverage on my 2012 Mercedes-Benz GLK-Class?
  • Should I rate my 2012 Mercedes-Benz GLK-Class as pleasure use or commute?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies.

But they said I’d save $440 a year!

Popular insurance providers such as Progressive, Allstate and GEICO endlessly run television and radio advertisements. They all seem to seem to make the promise that drivers will save a bundle if you just switch your policy. How do they all save you money? Here is how they do it.

Most companies give the cheapest rates for the type of driver that will generate a profit. One example of a desirable risk could possibly be between 30 and 50, has other policies, and the vehicle is rated for pleasure use. Any new insured that fits those parameters will get a cheap rate quote and most likely will cut their rates if they switch.

Potential customers who may not quite match these stringent criteria will be quoted higher rates and ends up with the customer not purchasing. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That is how companies can make the claims of big savings. Because each company has a different risk profile, it is so important to do a rate comparison at every renewal. Because you never know with any certainty which company will have the lowest rates.

Insurance coverage options for a Mercedes-Benz GLK-Class

Learning about specific coverages of your 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 even agents have difficulty translating policy wording. These are typical coverage types offered by insurance companies.

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, hitting a deer, falling objects, fire damage and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, crashing into a ditch and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for bills for chiropractic care, doctor visits, pain medications and nursing services. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz GLK-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like pain and suffering, court costs, medical expenses, bail bonds and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Don’t break the bank

When you buy car insurance online, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone dropped liability limits or collision coverage only to regret at claim time that it was a big mistake. The aim is to find the BEST coverage at a price you can afford while still protecting your assets.

We just presented many ideas to save on 2012 Mercedes-Benz GLK-Class insurance. The most important thing to understand is the more you quote car insurance, the better likelihood of getting affordable car insurance. Consumers may even find the best price on car insurance is with a lesser-known regional company. They may only write in your state and offer lower premium rates than the large multi-state companies such as GEICO and State Farm.

Some companies may not have online rate quotes and most of the time these small, regional companies provide coverage only through independent insurance agencies. More affordable car insurance can be purchased online and from local insurance agents, and you should compare price quotes from both to get a complete price analysis.

Much more information about car insurance can be found on the following sites: