2011 Mercedes-Benz GLK-Class Insurance Cost

Are you sick and tired of trying to scrape together enough money to insure your Mercedes-Benz every month? Your situation is no different than many other consumers.

You have so many car insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, it makes it harder to compare rates and cut insurance costs.

It’s important to compare prices before your policy renews since rates are usually higher with each renewal. Just because you had the lowest price for GLK-Class insurance six months ago the chances are good that you can find a lower rate today. You’ll find quite a bit of inaccurate information about auto insurance online, so I’m going to show you some solid techniques on how to stop overpaying for insurance.

Finding Auto Insurance Deals

Performing a rate comparison can take hours if you don’t know the fastest way to get free quotes. You can spend your afternoon discussing policy coverages with insurance companies in your area, or you can utilize online quotes to quickly compare rates.

Most major companies belong to an insurance system that enables customers to enter their coverage request one time, and every company can provide price quotes based on that data. This prevents consumers from doing quote forms to each individual auto insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

One minor caviat to comparing rates this way is you cannot specify the companies you want pricing from. So if you prefer to pick individual companies to receive pricing from, we have a page of auto insurance companies in your area. Click to view list.

It’s up to you how you get prices quotes, just compare apples-to-apples coverage limits and deductibles for each comparison quote. If you are comparing different deductibles you can’t possibly truly determine the lowest rate. Quoting even small variations in insurance coverages can make a big difference in price. And when comparing auto insurance rates, know that getting more free quotes will enable you to find a better price.

These discounts can slash insurance coverage rates

Insurance can cost an arm and a leg, but you may find discounts that many people don’t even know exist. A few discounts will automatically apply when you purchase, but less common discounts must be inquired about before you will receive the discount.

  • Homeowners Discount – Owning a home may earn you a small savings because maintaining a house requires personal responsibility.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Federal Employees – Being employed by or retired from a federal job can save as much as 8% for GLK-Class insurance with select insurance companies.
  • Anti-theft Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Early Signing – Some insurance companies reward drivers for signing up prior to your current policy expiration. This can save 10% or more.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates for GLK-Class insurance than drivers with accidents.

It’s important to note that most credits do not apply to the entire cost. Some only apply to the price of certain insurance coverages like comp or med pay. So when it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. Any amount of discount will cut your overall premium however.

A partial list of companies that may have these benefits may include but are not limited to:

Before buying, ask each company what discounts are available to you. All car insurance discounts might not be offered everywhere.

When might I need the advice of an agent?

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Is there coverage for injuries to my pets?
  • Am I covered when delivering products for my home-based business?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need motorclub coverage?
  • When should I drop full coverage on my 2011 Mercedes-Benz GLK-Class?
  • Does my car insurance cover rental cars?
  • Can my teen drive my company car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Mercedes-Benz GLK-Class rates are in the details

An important part of buying insurance is that you know the different types of things that help determine insurance coverage rates. When you know what positively or negatively controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Do you know you’re credit rating? – Credit rating is a large factor in calculating your insurance coverage rates. People with excellent credit tend to be more responsible as compared to drivers with poor credit. If your credit history can use some improvement, you could be paying less to insure your 2011 Mercedes-Benz GLK-Class by repairing your credit.
  • Extra add-on coverages are wasting money – There are a lot of add-on coverages that can waste your money on your GLK-Class policy. Coverages like vanishing deductibles, accident forgiveness and membership fees are some examples. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Lower rates come with age – Young drivers are statistically proven to be less responsible behind the wheel so they pay higher insurance coverage rates. Parents adding a youthful driver to your policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • Your spouse saves you money – Having a spouse helps lower the price on your insurance coverage policy. Having a spouse translates into being more mature and statistics show married couples file fewer claims.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. However, this does not mean men are WORSE drivers than women. They both tend to get into accidents at a similar rate, but the males have costlier accidents. They also get more serious tickets such as reckless driving. Youthful male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • How’s your driving record? – Only having one moving violation can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than their less careful counterparts. Drivers with dangerous tickets like DUI or reckless driving are required to submit a SR-22 form with the DMV in their state in order to prevent a license revocation.
  • Liability coverage protects you – Liability insurance will protect you if ever a court rules you are at fault for damages from an accident. Liability provides for a legal defense which can be incredibly expensive. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Theft deterrents lower rates – Driving a car with an alarm system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.

Specifics of your insurance policy

Understanding the coverages of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Collision coverages – Collision coverage pays for damage to your GLK-Class resulting from a collision 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 protects against things such as driving through your garage door, backing into a parked car, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability insurance – Liability insurance provides protection from damages or injuries you inflict on a person or their property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as repair bills for other people’s vehicles, structural damage, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses like ambulance fees, funeral costs, dental work and pain medications. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM) – This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

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. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, hail damage, hitting a bird, damage from a tornado or hurricane and fire damage. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Don’t break the bank

Affordable 2011 Mercedes-Benz GLK-Class insurance is available from both online companies and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. A few companies may not provide you the ability to get quotes online and many times these small insurance companies only sell through independent insurance agents.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage for the lowest price.

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