2010 Mercedes-Benz GLK-Class Insurance Rates

Looking for cheaper insurance rates for your Mercedes-Benz GLK-Class? Finding cheaper insurance for a Mercedes-Benz GLK-Class can be a lot of work, but you can learn these tips to save time. There are more efficient ways to buy insurance and we’ll show you the proper way to quote coverages for a Mercedes-Benz and obtain the lowest price from both online companies and local agents.

Finding the best rates is easy if you know what you’re doing. If you are insured now or are looking for a new policy, you can use these tips to find the best rates while maximizing coverage. Vehicle owners just need to know the tricks to shop on the web.

Insurance Quote Comparison

Finding a lower price on 2010 Mercedes-Benz GLK-Class insurance is surprisingly easy. Drivers just need to invest a few minutes comparing price quotes from different insurance companies. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This form saves time by eliminating repetitive form submissions to each individual insurance company. In just a few minutes this one form will return quotes from several companies. This is perfect if you don’t have a lot of time.
  2. A slightly less efficient method to obtain and compare quotes online consists of visiting each individual company website to request a price quote. For examples sake, we’ll assume you want comparison quotes from Liberty Mutual, Geico and Farmers. You would have to visit each site to input your insurance information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The hardest method to get comparison rates is driving to different agent offices. The internet can eliminate the need for a local agent unless you require the professional advice of a licensed agent. Drivers can price shop your coverage online and get advice from an agent in your area. We’ll cover that shortly.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverage limits for every quote you compare. If you compare unequal deductibles or liability limits it’s impossible to determine the best price for your Mercedes-Benz GLK-Class.

The auto insurance bait and switch

Consumers can’t ignore all the ads for car insurance savings by Allstate, Geico and Progressive. They all say the same thing that you’ll save big after switching to their company.

How do they all make the same claim? This is how they do it.

Insurance companies have a certain “appetite” for the driver they prefer to insure. For example, a driver they prefer could possibly be a mature driver, has no tickets, and has great credit. Any driver who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Drivers who don’t meet the requirements will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is “people who switch” but not “drivers who get quotes” save that much money. That’s the way companies can truthfully advertise the savings. Because of the profiling, it is so important to quote coverage with many companies. It’s impossible to know which auto insurance company will fit your personal profile best.

Why your Mercedes-Benz GLK-Class might be costing you more

An important part of buying insurance is that you know some of the elements that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

  • Don’t let your coverage lapse – Allowing your auto insurance policy to lapse is a fast way to trigger a rate increase. Not only will rates go up, failure to provide proof of insurance will get you a license revocation or jail time.
  • One company can mean more discounts – Many auto insurance companies provide better rates to customers who have multiple policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even with this discount, it’s in your best interest to compare rates to make sure you are getting the best deal.
  • Extra add-on coverages are wasting money – There are quite a few additional coverages that you can get tricked into buying when buying auto insurance. Things like personal injury protection, accidental death and motor club memberships may be wasting your money. They may seem like a good idea at first, but if you don’t need them remove them from your policy.
  • Men are more aggressive – The statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that men are worse drivers. Both sexes are in accidents in similar percentages, but the male of the species cause more damage. Men also tend to get cited for more serious violations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.

Pay less by taking advantage of discounts

Companies don’t list all their discounts in a way that’s easy to find, so we break down some of the more common and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Auto/Life Discount – Some companies give a discount if you purchase a life insurance policy as well.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break when shopping for car insurance on GLK-Class coverage.
  • Passive Restraints – Cars that have air bags or motorized seat belts may earn rate discounts up to 30%.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Bundle and Save – When you have multiple policies with one company you may save up to 20% off your total premium.
  • Government Employees – Active or retired federal employment can save as much as 8% on GLK-Class coverage with a few car insurance companies.
  • No Charge for an Accident – A handful of insurance companies will forgive one accident without raising rates if your claims history is clear for a set time period.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Early Switch Discount – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

A little note about advertised discounts, many deductions do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. Just because you may think it’s possible to get free car insurance, you won’t be that lucky.

To see a list of insurance companies with discount car insurance rates, follow this link.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique.

These are some specific questions can aid in determining whether your personal situation may require specific advice.

  • Is my teen driver covered when they drive my company car?
  • Is my trailer covered?
  • Is a fancy paint job covered?
  • Am I covered when using my vehicle for business?
  • Why is insurance for a teen driver so high?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Insurance policy coverages for a 2010 Mercedes-Benz GLK-Class

Understanding the coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and coverage can change by endorsement.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Mercedes-Benz GLK-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against claims like hitting a parking meter, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Liability insurance – This will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like repair bills for other people’s vehicles, court costs, emergency aid and structural damage. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as fire damage, damage from a tornado or hurricane, a tree branch falling on your vehicle and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage kick in for expenses such as X-ray expenses, prosthetic devices, surgery, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Shop Smart and Save

As you shop your coverage around, you should never buy poor coverage just to save money. There are a lot of situations where drivers have reduced full coverage to discover at claim time that they should have had better coverage. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

We just presented some good ideas how you can shop for 2010 Mercedes-Benz GLK-Class insurance online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from the least-expected company.

Consumers who switch companies do it for a variety of reasons including extreme rates for teen drivers, denial of a claim, policy non-renewal or lack of trust in their agent. It doesn’t matter what your reason, finding a new company can be less work than you think.

Helpful learning opportunities