2016 Mercedes-Benz GLC-Class Car Insurance Rates

Looking for the cheapest insurance rates for your Mercedes-Benz GLC-Class? Tired of trying to scrape together enough money to insure your Mercedes-Benz every month? You are in the same boat as many other consumers.

Since consumers have many companies and agents to choose from, it can be impossible to find the lowest price insurer.

It’s a good idea to compare prices once or twice a year because insurance rates change quite often. Even if you think you had the best price on GLC-Class coverage two years ago the chances are good that you can find a lower rate today. Don’t believe everything you read about insurance on the web, but we’re going to give you some great ideas on how to slash your insurance rates.

How to Get Insurance Comparison Quotes

Performing a rate comparison can be a daunting task if you don’t know the most efficient way to do it. You could spend your day discussing policy coverages with insurance companies in your area, or you could save time and use the internet to quickly compare rates.

Many insurance companies belong to an insurance system that enables customers to submit their information once, and each company can give them a price based on that information. This saves time by eliminating repetitive form submissions to each individual insurance company.

To use this form to compare 2016 Mercedes-Benz GLC-Class insurance rates click here to open in new window.

The single downside to using this type of form is you cannot specify the providers to get pricing from. If you wish to select individual companies to compare prices, we have assembled a list of insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using the exact same coverage limits and deductibles on every quote. If you use unequal deductibles or liability limits it’s not possible to truly determine the lowest rate. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing a large number of companies provides better odds of finding a better price.

Companies offer discounts so take them!

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Certain discounts will be triggered automatically when you complete an application, but some must be manually applied before you will receive the discount.

  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on GLC-Class coverage with certain companies.
  • Low Mileage – Driving fewer miles could qualify for better rates on cars that stay parked.
  • Resident Student – Youth drivers who live away from home and don’t have a car may qualify for this discount.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Save with a New Car – Insuring a new car can save up to 30% since new cars are generally safer.
  • Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more if you qualify.
  • Club Memberships – Participating in a qualifying organization could trigger savings when shopping for insurance on GLC-Class coverage.
  • 55 and Retired – If you’re over the age of 55, you may be able to get better insurance rates on GLC-Class coverage.

It’s important to note that some of the credits will not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like having all the discounts means you get insurance for free, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.

Companies who might offer some of the above discounts are:

Double check with each company what discounts are available to you. All car insurance discounts may not apply in your state.

Do I just need basic coverages?

When it comes to choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so this has to be addressed. For instance, these questions may help you determine if your insurance needs could use an agent’s help.

  • Is my Mercedes-Benz GLC-Class covered if I use it for business?
  • Does my insurance cover my expensive audio equipment?
  • How much liability do I need to cover my assets?
  • Who is covered by my policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my teenager covered with friends in the car?
  • Is my state a no-fault state?
  • Is my ex-spouse still covered by my policy?
  • Is my camper covered by my car insurance policy?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area.

Coverages available on your insurance policy

Learning about specific coverages of your policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Shown next are the usual coverages found on most insurance policies.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses for surgery, X-ray expenses and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Mercedes-Benz GLC-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like fire damage, damage from getting keyed and hitting a bird. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision protection

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, colliding with a tree, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverages

This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and 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 liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as funeral expenses, medical expenses, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but buy as high a limit as you can afford.