Lower Your 2012 Mercedes-Benz GLK-Class Car Insurance Quotes in 2024

Have you had enough of sacrificing other expenses to insure your Mercedes-Benz every month? You have the same problem as most other drivers. Big companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with advertising and it is difficult to see through the deception and take the time to shop coverage around.

Informed consumers can save money

Many things are used when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are more transparent such as whether you are married or your commute time. The best way to find cheaper insurance coverage is to take a look at the different types of things that help calculate your premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that may result in lower premium levels.

• Women pay lower prices – Over the last 50 years, statistics have shown females are less aggressive when driving. The data does not necessarily mean that women are better drivers. Both sexes get in accidents at about the same rate, but guys tend to have higher claims. Not only are claims higher, but men receive more major tickets such as reckless driving.
• Do you have a tough occupation? – Did you know your insurance coverage rates can be affected by your occupation? Careers like fire fighters, social workers and emergency personnel tend to have higher premium rates in part from job stress and incredibly demanding work hours. Other careers like professors, students and homemakers generally pay rates lower than average for GLK-Class insurance.
• Lower prices with alarms and GPS tracking – Driving a car that has a built-in theft deterrent system can get you a discount on your insurance coverage. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart car theft.
• Younger drivers cost more – Youthful drivers have been known to be easily distracted when behind the wheel and because of this, their insurance coverage rates are much higher. Mature drivers are more cautious drivers, tend to file fewer claims and tend to be get fewer driving tickets.
• Cars with good safety ratings cost less to insure – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles result in less severe injuries and lower injury rates means your insurance company pays less and more competitive rates for policyholders. If your Mercedes-Benz scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.
• Physical damage deductibles – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Mercedes-Benz. Some instances where coverage would apply are a dented fender, damage from fire, and burglary. The deductibles state the amount of money you are required to spend before a claim is paid by your company. The more damage repair cost you’re willing to pay, the lower your rates will be for GLK-Class insurance.
• Where you live – Having an address in less populated areas of the country can be a good thing when it comes to insurance coverage. Fewer drivers means reduced accidents as well as less vandalism and auto theft. Residents of big cities tend to have traffic congestion and more time behind the wheel. Spending more time driving means a statistically higher chance of an accident.
• Know your credit score – Having a good credit history is a big factor in determining your rates. If your credit is not that good, you could potentially save money when insuring your 2012 Mercedes-Benz GLK-Class by repairing your credit. People with very good credit scores tend to be better risks to insure than those with poor credit.

Cheap insurance rates with discounts

Insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but some discounts are required to be specially asked for before you will receive the discount.

• Accident Waiver – Not necessarily a discount, but companies like Allstate, State Farm and GEICO will allow you to have one accident without the usual rate increase if your claims history is clear before the accident.
• Theft Deterrent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
• ABS and Traction Control Discounts – Cars that have anti-lock braking systems are much safer to drive so you can save 10 percent or more.
• Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
• Save with More Vehicles Insured – Drivers who insure primary and secondary vehicles on one policy can get a discount for every vehicle.
• College Student – College-age children living away from home attending college and won’t have access to an insured vehicle could get you a discount.
• Discount for New Cars – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer models.
• Claim Free – Drivers who don’t have accidents pay less as compared to frequent claim filers.

Consumers should know that most of the big mark downs will not be given to the entire cost. Some only reduce specific coverage prices like comp or med pay. Even though it appears you can get free auto insurance, you aren’t that lucky.

To see a list of companies who offer free insurance quotes, enter your zip code here.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine whether your personal situation would benefit from professional advice.

• Does my 2012 Mercedes-Benz GLK-Class need full coverage?
• Is my Mercedes-Benz GLK-Class covered if I use it for business?
• When should I not file a claim?
• Who is covered by my policy?
• Should I carry comprehensive and collision coverage?
• How high should my medical payments coverage be?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete your zip code. It’s fast, free and may give you better protection.

Specifics of your car insurance policy

Knowing the specifics of a car insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Liability – Liability coverage provides protection from damage that occurs to people or other property in an accident. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims such as pain and suffering, attorney fees, repair costs for stationary objects, loss of income and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as pain medications, X-ray expenses, doctor visits and dental work. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive car insurance – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Mercedes-Benz GLK-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, crashing into a building, colliding with another moving vehicle, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Final considerations

We covered a lot of information how to compare 2012 Mercedes-Benz GLK-Class insurance car insurance rates online. The key concept to understand is the more companies you get premium rates for, the higher your chance of finding the cheapest car insurance. Consumers may even find the lowest car insurance rates come from a small mutual company. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

While you’re price shopping online, make sure you don’t reduce needed coverages to save money. There are many occasions where an accident victim reduced liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find for the lowest price.