Cheap 2015 Mercedes-Benz GLK-Class Insurance Quotes

Are you sick and tired of sacrificing to make your insurance coverage payment? You’re in the same situation as most other consumers.

Online insurance companies like Progressive, State Farm and GEICO constantly blast consumers with catchy ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

Cheapest insurance coverage price quotes

The are a couple different ways of comparing price quotes from different insurance companies. The best way to compare rates consists of shopping online. It’s really quite simple and can be done by using one of the methods below.

The fastest and easiest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing a different quote for every company. A single form gets insurance cost estimates from all major companies.

A slightly less efficient method to find better pricing is to take the time to go to the website of each company and request a quote. For sake of this example, we’ll pretend you want rates from Farmers, State Farm and GEICO. In order to compare rates, you need to visit each site and punch in your information repeatedly, which can get old fast. For a handy list of car insurance company links in your area, click here.

The old school method to get price estimates is physically going to different agent offices. Comparing rates online has made agencies unnecessary unless you require the professional advice only provided by licensed agents. Drivers can obtain prices from the web but buy the policy through an agent.

How you compare quotes is your choice, just be certain you are entering the same coverage limits for every quote you compare. If you compare unequal deductibles or liability limits it’s impossible to determine which company has the best rates. Just a small difference in coverage limits may result in a large different in cost. And when comparing insurance coverage rates, know that comparing a large number of companies helps improve the odds of finding the best price. Not every company allows you to get online price quotes, so you should also compare price estimates from those companies as well.

Do drivers who switch really save?

Insurance coverage companies such as State Farm and Allstate endlessly run ads on TV and radio. They all seem to make the point about savings if you switch your policy. How is it plausible that every one can offer drivers better rates? It’s all in the numbers.

All the different companies have specific guidelines for the driver they prefer to insure. An example of a desirable insured might be described as married and over the age of 30, owns their home, and drives less than 10,000 miles a year. Anybody who matches that profile will most likely get cheap car insurance rates as well as save money with a new company.

Insureds who do not match these criteria must pay higher premiums and this results in the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “everyone that quotes” save money. That is how insurance companies can confidently make claims like that.

Because each company has a different risk profile, it’s extremely important to quote coverage with many companies. It is just not possible to predict which insurance coverage company will have the best rates at this point in time.

Reduce insurance rates with these tips

Many different elements are part of the equation when you get your auto insurance bill. A few of the factors are predictable like a motor vehicle report, although some other factors are less obvious such as whether you are married or how safe your car is.An important part of buying insurance is that you know the different types of things that are used to determine the price you pay for auto insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to cheaper rates.

Listed below are a few of the “ingredients” auto insurance companies consider when setting your rate level.

  • Safer cars cost less to insure – Vehicles with high crash test scores get lower rates. The safest vehicles help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into savings for insurance companies which can mean better rates for you. If your Mercedes-Benz GLK-Class is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • High credit scores save money – An insured’s credit history can be a huge factor in calculating your premium rate. Consumers who have good credit tend to be more responsible and file fewer claims than drivers who have lower ratings. Therefore, if your credit history can be improved, you could be paying less to insure your 2015 Mercedes-Benz GLK-Class if you improve your credit rating.
  • Car insurance liability limits – The liability coverage on your policy will provide protection if you are found to be at fault for physical damage or personal injury to other. Liability provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • A auto insurance lapse can increase auto insurance rates – Letting your insurance expire will be a fast way to trigger a rate increase. Not only will you pay more, not being able to provide proof of insurance may earn you a fine, jail time, or a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
  • More traffic equals higher premiums – Choosing to live in less populated areas of the country has it’s advantages if you are looking for the lowest rates. Fewer people corresponds to lower accident rates in addition to lower liability claims People who live in big cities have to deal with much more traffic and longer commutes to work. More time commuting means higher likelihood of an accident.
  • Put fewer miles on your vehicle – The more you drive each year the more you’ll pay to insure your vehicle. A lot of companies rate vehicles based upon how you use the vehicle. Vehicles left parked in the garage can get a lower rate than cars that get driven a lot. Make sure your auto insurance coverage is showing the correct driver usage, because improper ratings can cost you money. Having the wrong rating on your GLK-Class is throwing money out the window.

Lower rates by qualifying for discounts

Companies don’t always list every disount available in an easy-to-find place, so here is a list a few of the more well known as well as some of the hidden credits available to bring down your rates.

  • Driver Training Discounts – Taking a defensive driver course may get you a small discount and easily pay for the cost of the class.
  • Smart Student Discounts – Excelling in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Student in College – Older children who live away from home to go to college without a vehicle on campus could qualify for this discount.
  • Onboard Data Collection – Drivers who agree to allow driving data collection to analyze driving manner by using a telematics device such as State Farm’s In-Drive might see lower rates if they exhibit good driving behavior.
  • Military Deployment Discount – Being on active deployment in the military may lower your prices slightly.
  • Accident Forgiveness – Not really a discount, but some companies like State Farm and Allstate will allow you to have one accident without the usual rate increase if you have no claims prior to the accident.
  • Senior Citizens – Older drivers are able to get a slight reduction on a car insurance quote for GLK-Class insurance.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

Popular car insurance companies and the discounts they provide are shown below.

  • State Farm discounts include student away at school, passive restraint, good driver, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, and accident-free.
  • GEICO has discounts for military active duty, federal employee, air bags, five-year accident-free, multi-vehicle, and multi-policy.
  • SAFECO policyholders can earn discounts including anti-theft, teen safety rewards, bundle discounts, safe driver, teen safe driver, multi-car, and drive less.
  • Farmers Insurance offers discounts for distant student, electronic funds transfer, multi-car, pay in full, switch companies, business and professional, and mature driver.
  • AAA may offer discounts for multi-car, education and occupation, good driver, anti-theft, pay-in-full, AAA membership discount, and multi-policy.
  • USAA may have discounts that include multi-vehicle, good student, defensive driver, new vehicle, and military installation.

When getting a coverage quote, ask each insurance company which discounts they offer. Some credits may not be available in your area. To view providers that offer discounts, click here.

Insurance is unique, just like you

When choosing proper insurance coverage, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Do I need higher collision deductibles?
  • Do I need an umbrella policy?
  • Does coverage extend to Mexico or Canada?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my custom paint covered by insurance?
  • Does my personal policy cover me when driving out-of-state?
  • Is my state a no-fault state?
  • Will my rates increase for filing one claim?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

Learn about insurance coverages for a Mercedes-Benz GLK-Class

Having a good grasp of a insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from insurance companies.

Liability car insurance

This protects you from damages or injuries you inflict on other people or property that is your fault. It protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as repair bills for other people’s vehicles, emergency aid and medical services. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Most of the time these limits are set the same as your liablity limits.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from getting keyed, a broken windshield, hitting a bird, vandalism and rock chips in glass. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance kick in for bills such as funeral costs, chiropractic care, ambulance fees and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

This covers damage to your GLK-Class from colliding 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 pays for things like hitting a parking meter, rolling your car and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

A penny saved is a penny earned

We covered many ideas to get a better price on 2015 Mercedes-Benz GLK-Class insurance. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may even discover the most savings is with the least-expected company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

When buying insurance coverage, never skimp on critical coverages to save a buck or two. In many instances, someone dropped liability coverage limits only to regret at claim time that the savings was not a smart move. The aim is to buy the best coverage you can find at the best price, not the least amount of coverage.

There are still a few companies who don’t offer online price quotes and usually these smaller companies work with local independent agencies. Cheap 2015 Mercedes-Benz GLK-Class insurance can be bought both online as well as from insurance agents, and you should be comparing both so you have a total pricing picture.

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