2011 Mercedes-Benz GLK-Class Insurance Cost – 5 Ways to Save

Trying to find better insurance rates for your Mercedes-Benz GLK-Class? Scraping up a payment for overpriced Mercedes-Benz GLK-Class insurance can empty your personal savings and make it hard to pay other bills. Doing a price comparison is free, only takes a few minutes, and is a good way to help make ends meet.

Insurance companies such as Progressive, Geico and Farmers Insurance continually bombard you with fancy advertisements and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

If you currently have a car insurance policy, you should be able to cut costs considerably using this strategy. Finding the best rates is easy if you know what you’re doing. But drivers must understand how companies sell online and use this information to your advantage.

Comprehensive Insurance Comparison Quotes

There are several ways to shop for Mercedes-Benz GLK-Class insurance, and some are less labor-intensive and much quicker. You could spend your day talking to insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many companies participate in an industry program where prospective buyers submit their information once, and at least one company returns a competitive quote determined by their information. This system prevents you from having to do form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to doing it this way is you can’t choose the insurers to get quotes from. So if you want to choose from a list of companies to compare rates, we have a page of insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make absolute certain that you use the exact same coverage information on every quote you get. If you compare unequal deductibles or liability limits you can’t possibly determine the best price for your Mercedes-Benz GLK-Class. Slightly different coverage limits can make a big difference in price. It’s important to know that obtaining a wide range of quotes will enable you to find the best offered rates.

Are you falling for claims of savings?

Companies like State Farm, Allstate and Geico consistently run ads in print and on television. All the ads say the same thing that you can save if you change your coverage to them. How do they all make almost identical claims? This is how they do it.

Insurance companies can use profiling for the driver they prefer to insure. An example of a driver they prefer could possibly be between 25 and 40, has no driving citations, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t measure up to the requirements must pay higher prices and this can result in the customer not buying. The ad wording is “customers who switch” but not “drivers who get quotes” save money. That’s why companies can claim big savings. This illustrates why it is so important to get as many comparisons as possible. You cannot predict which company will have the lowest Mercedes-Benz GLK-Class insurance rates.

Don’t miss these five discounts

Companies that sell car insurance don’t always list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance.

  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in high school.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on GLK-Class coverage.
  • Pay Now and Pay Less – By paying your policy upfront instead of making monthly payments you may reduce your total bill.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Discount for Swiching Early – A few companies offer discounts for switching policies before your current policy expires. The savings is around 10%.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce specific coverage prices like medical payments or collision. So even though it sounds like you could get a free auto insurance policy, it doesn’t quite work that way.

A partial list of companies who might offer these benefits are:

Check with every prospective company which discounts they offer. Some discounts may not apply in your state.

When might I need help?

When choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions may help highlight whether your personal situation might need professional guidance.

  • When should I buy a commercial auto policy?
  • Is my babysitter covered when using my vehicle?
  • Can I drive in Mexico and have coverage?
  • Am I missing any policy discounts?
  • Is my trailer covered?
  • How do I buy GAP insurance?
  • Should I sign the liability waiver when renting a car?
  • Is borrowed equipment or tools covered if stolen or damaged?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance 101

Understanding the coverages of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages found on most auto insurance policies.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2011 Mercedes-Benz GLK-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverage – Collision insurance covers damage to your GLK-Class resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sideswiping another vehicle, colliding with a tree, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as falling objects, hitting a bird, hitting a deer and rock chips in glass. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses for things like pain medications, hospital visits and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Auto liability – This coverage can cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as loss of income, pain and suffering, attorney fees, medical expenses and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Don’t be a big spender

Cheap 2011 Mercedes-Benz GLK-Class insurance can be found online as well as from independent agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance providers don’t offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We just showed you many ways to get a better price on insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even discover the most savings is with a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than their larger competitors like Allstate and Progressive.

Additional auto insurance information is located at these links: