2013 Mercedes-Benz GLK-Class Insurance Quotes

Having to pay for high-priced Mercedes-Benz GLK-Class insurance can diminish your accounts and force you to tighten up your finances. Price shopping at each renewal can be a smart way to cut your insurance bill.

Insurance companies such as State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

If you are paying for car insurance now, you stand a good chance to be able to save some money using these methods. Finding affordable coverage is not rocket science. But drivers do need to know the way insurance companies sell insurance online.

The best way to get policy rate comparisons is to realize car insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is give them rating details like your credit rating estimate, how you use your vehicles, daily mileage, and whether or not you need a SR-22. Those rating factors is instantly submitted to many of the top insurers and they provide comparison quotes with very little delay.

To compare multiple company rates now, click here and see if a lower rate is available.

Discounts can really help save money

Insurance can cost an arm and a leg, but you may be missing some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time of quoting, but a few must be inquired about prior to receiving the credit.

  • Multi-Vehicle Discounts – Insuring more than one vehicle with one company qualifies for this discount.
  • Clubs and Organizations – Affiliation with a civic or occupational organization could qualify you for a break on insurance coverage.
  • Discount for Passive Restraints – Options like air bags may get savings of 20% or more.
  • Low Mileage – Low annual miles could earn substantially lower prices.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% on GLK-Class insurance with a few insurance coverage companies.

Please keep in mind that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like collision or personal injury protection. Just because you may think it’s possible to get free car insurance, you aren’t that lucky. Any qualifying discounts will lower the amount you pay for coverage.

Some of the larger companies that have these money-saving discounts are:

When comparing rates, check with every company which discounts they offer. A few discounts might not be offered on policies in every state.

Will just any policy work for me?

When choosing coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different so this has to be addressed. For example, these questions may help you determine if you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • What can I do if my company won’t pay a claim?
  • How can I get my company to pay me more for my totalled car?
  • Why am I required to get a high-risk car insurance policy?
  • Why does it cost so much to insure a teen driver?
  • What is the minimum liability in my state?
  • Am I covered if I crash into my own garage door?
  • Am I covered when driving in Canada or Mexico?
  • How do I buy GAP insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

Lower your insurance rates

Smart consumers have a good feel for a few of the rating criteria that play a part in calculating your insurance coverage rates. If you have a feel for what positively or negatively impacts your premiums, this allows you to make good choices that may reward you with cheaper rates.

  • Safer cars save money – Safer cars get lower rates. The safest vehicles help reduce the chance of injuries in an accident and fewer injuries translates into savings for insurance companies and thus lower rates. If your Mercedes-Benz GLK-Class has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • How many miles do you drive? – The higher the miles on your Mercedes-Benz each year the higher your rate. The majority of insurers charge rates based upon how you use the vehicle. Vehicles that sit idle most of the time cost less to insure than those that get driven frequently. An incorrectly rated GLK-Class is throwing money out the window. It’s a smart idea to ensure your insurance coverage coverage is rated on how each vehicle is driven, because it can save money.
  • Claims cost money – Insurance companies award lower rates to policyholders who do not file claims often. If you tend to file frequent claims, you can expect increased rates or even have your policy non-renewed. Insurance coverage is designed for claims that pose a financial burden.
  • More than one policy can earn a discount – Most major insurance companies provide a discount to clients that have more than one policy in the form of a multi-policy discount. Even with this discount, drivers will still want to compare rates to help guarantee you have the best rates.There is a chance you can save even more than the discount by splitting coverages up.

Advertising myths

Car insurance companies such as 21st Century, Allstate and State Farm constantly bombard you with ads on TV and radio. They all make an identical promise about saving some big amount just by moving your policy. How is it possible that every company can lower your premium rates? This is the trick they use.

Most companies have an ideal profile for the type of customer that earns them the highest profit. An example of a driver they prefer might be described as over age 30, has a clear driving record, and chooses high deductibles. Anyone who matches those parameters gets the lowest prices and therefore will save a lot if they switch.

Potential customers who cannot meet these standards will have to pay higher prices with the end result being the customer not purchasing. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can confidently make those claims.

That is why you should get auto insurance quotes from several different companies. It is impossible to predict which company will have the lowest rates.

Specific coverage details

Understanding the coverages of insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Coverage for collisions

Collision coverage pays for damage to your GLK-Class caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like hitting a parking meter, scraping a guard rail and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your 2013 Mercedes-Benz GLK-Class.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like medical services, bail bonds, structural damage, attorney fees and emergency aid. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Insurance for medical payments

Med pay and PIP coverage kick in for bills such as doctor visits, X-ray expenses, nursing services and hospital visits. They are used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed, vandalism and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

In the end, you save

We just covered quite a bit of information on how to compare 2013 Mercedes-Benz GLK-Class insurance auto insurance rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers may even find the lowest priced car insurance comes from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced liability limits or collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy enough coverage at an affordable rate, but do not sacrifice coverage to save money.

Cheap 2013 Mercedes-Benz GLK-Class insurance can be found from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies may not provide rate quotes online and most of the time these smaller providers provide coverage only through independent agents.

Additional detailed information can be found in these articles: