2011 Mercedes-Benz GLK-Class Insurance Cost – 10 Tips for Best Prices

Searching for lower car insurance rates for your Mercedes-Benz GLK-Class? Are you a victim of high-priced car insurance? Believe me when I say you’re not alone.

Many car insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to get the lowest rate

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. Finding the best rates is quite easy. But consumers can benefit by having an understanding of how insurance companies market insurance on the web and take advantage of how the system works.

The best way we recommend to get rate comparisons is to take advantage of the fact almost all companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is provide a little information such as how you use your vehicles, if the car is leased, how many miles driven, and if your license is active. Those rating factors is sent automatically to all major companies and they return quotes very quickly.

To compare rates now, click here then complete the form.

These ten discounts can lower your rates

Insuring your vehicles can cost a lot, but there could be available discounts that you may not even be aware of. Some trigger automatically when you quote, but lesser-known reductions have to be specifically requested before you will receive the discount.

• Own a Home – Owning a house can help you save on auto insurance because owning a home demonstrates responsibility.
• Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off the personal injury premium cost.
• Accident Waiver – Some insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a set time period.
• Drive Safe and Save – Insureds without accidents can pay as much as 50% less on GLK-Class insurance than drivers with accidents.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
• Low Mileage – Driving fewer miles can earn better rates on cars that stay parked.
• Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
• Sign Online – A handful of insurance companies may give you up to $50 for buying your policy over the internet.
• Save over 55 – If you’re over the age of 55, you can possibly qualify for better auto insurance rates on GLK-Class insurance.
• Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and earn discounts up to 10%.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down the cost of coverage.

For a list of insurance companies offering auto insurance discounts, follow this link.

Different people need different coverages

When buying adequate coverage, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you might need professional guidance.

• Where can I find high-risk insurance?
• Am I covered if hit by an uninsured driver?
• Am I covered by my spouse’s policy after a separation?
• Do I need roadside assistance coverage?
• How can I find cheaper teen driver insurance?
• Should I buy full coverage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

What car insurance coverages do you need?

Knowing the specifics of a car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like rehabilitation expenses, chiropractic care, EMT expenses, hospital visits and surgery. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. They cover all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like crashing into a ditch, rolling your car, hitting a parking meter, backing into a parked car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz GLK-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, falling objects and theft. The most your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people. It protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as repair costs for stationary objects, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.