2014 Mercedes-Benz GLK-Class Insurance Cost

Searching for cheaper insurance for a Mercedes-Benz GLK-Class can turn out to be a painful process, but you can follow a few tricks to make it easier.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the quickest way to quote coverages for a new or used Mercedes-Benz and obtain the lowest price.

It is always a good idea to take a look at other company’s rates on a regular basis due to the fact that insurance rates fluctuate regularly. Even if you think you had the lowest price on GLK-Class coverage two years ago you will most likely find a better rate today. Forget anything you know (or think you know) about car insurance because you’re about to learn one of the easiest ways to find the best coverage while lowering your premiums.

Finding Car Insurance Deals

Reducing your 2014 Mercedes-Benz GLK-Class insurance rates can be quick and easy. The only requirement is to spend a few minutes to compare quotes provided by online insurance companies. This can be accomplished in several different ways.

The first (and easiest) way to compare a lot of rates at once is a comparison rater form click to view form in new window. This method prevents you from having to do separate quotes for each company you want a rate for. A single form gets rate comparisons from car insurance companies with the best prices.It’s the quickest way to get rates.

A more difficult way to compare prices requires a trip to each individual company website and fill out their own quote form. For instance, let’s assume you want rates from Liberty Mutual, Safeco and Allstate. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

The hardest method to get comparison rates is to drive around to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a local agent. However, consumers can compare the best prices online and get advice from an agent in your area.

It doesn’t matter which method you choose, just ensure you’re using identical coverage information for every company. If the quotes have different values for each quote you can’t possibly truly determine the lowest rate.

Verify you’re getting all your discounts

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. Some discounts apply automatically when you purchase, but a few must be inquired about before being credited. If you’re not getting every credit you deserve, you are throwing money away.

Drivers Education – Cut your cost by having your teen driver complete a driver education course if it’s offered in school.
Military Rewards – Having a deployed family member could be rewarded with lower premiums.
Paperless Signup – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
Low Mileage – Driving fewer miles can qualify you for lower rates on the low mileage vehicles.
Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
Accident Forgiveness – A handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a certain period of time.
Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you up to age 25.
Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
Anti-lock Brake Discount – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.

Drivers should understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way. But all discounts will bring down the cost of coverage.

Insurance companies that may offer these money-saving discounts include:

Before buying, ask each insurance company how you can save money. Some discounts might not apply in your area.

When should I talk to an agent?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions might help in determining whether or not you might need professional guidance.

Does my 2014 Mercedes-Benz GLK-Class qualify for pleasure use?
Do I need replacement cost coverage?
Is my teen driver covered when they drive my company car?
When can I cancel my policy?
Can my babysitter drive my car?
Am I getting all the discounts available?
Why do I need rental car insurance?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance policy coverages for a 2014 Mercedes-Benz GLK-Class

Learning about specific coverages of your auto insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills such as dental work, X-ray expenses, pain medications and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, rock chips in glass, a tree branch falling on your vehicle and damage from a tornado or hurricane. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Auto liability

Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as repair bills for other people’s vehicles, bail bonds, emergency aid, attorney fees and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Coverage for collisions

This coverage will pay to fix damage to your GLK-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as driving through your garage door, colliding with another moving vehicle, hitting a mailbox, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.