2017 Mercedes-Benz GLC-Class Insurance Cost in 2024 – 8 Tips for Best Prices

Trying to find the cheapest car insurance rates for your Mercedes-Benz GLC-Class? Cutting costs on Driverscar insurance is always nearly impossible for people not familiar with quoting coverage prices online. With so many insurance agents and insurers available, it can easily turn into a difficult mission to find the lowest price.

Compare auto insurance quotes

Comparing auto insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You could waste a few hours driving to local insurance agents in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many insurance companies belong to a marketplace where prospective buyers only type in their quote data once, and each participating company returns a competitive quote based on that data. This saves time by eliminating form submissions for each company.

To fill out one form to compare multiple rates now enter your zip code here.

One minor caveat to doing it this way is you are unable to specify which carriers you want pricing from. So if you prefer to choose from a list of companies to compare prices, we put together a list of low cost auto insurance companies in your area. Click to enter zip code.

Take whichever approach you prefer, but compare apples-to-apples deductibles and coverage limits for each quote you get. If you are comparing different liability limits it will be nearly impossible to make a fair rate comparison. Slightly different insurance coverages may result in a large different in cost. And when comparison shopping, making a lot of price comparisons helps you find the best rates.

Pay discount rates these eight discounts

Car insurance is expensive, but you might be missing out on some discounts to reduce the price significantly. A few discounts will be applied when you complete an application, but occasionally some discounts must be inquired about prior to getting the savings.

• Accident Forgiveness Coverage – Not necessarily a discount, but companies like State Farm and Progressive permit an accident before your rates go up if you have no claims before the accident.
• Good Student Discount – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
• Federal Government Employee – Federal government employees may qualify for a discount when you quote auto insurance on GLC-Class coverage with select insurance companies.
• Defensive Driver – Successfully completing a defensive driving class can save you 5% or more and also improve your driving technique.
• Anti-theft System – Cars and trucks that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.
• Discount for Low Mileage – Fewer annual miles on your Mercedes-Benz can qualify you for lower premium rates due to less chance of an accident.
• Homeowners Discount – Just being a homeowner may earn you a small savings since owning and maintaining a home demonstrates responsibility.
• Clubs and Organizations – Being in qualifying clubs or civic groups can get you a small discount on car insurance.

One last thing about discounts, most discount credits are not given to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, you won’t be that lucky.

To find companies who offer online car insurance quotes, enter your zip code here.

Special considerations

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Everyone’s situation is unique.

Here are some questions about coverages that may help you determine if you may require specific advice.

• What is the rate difference between pleasure use and commuting?
• Do I have coverage for damage caused while driving under the influence?
• Does my car insurance cover rental cars?
• Do I get a pro-rated refund if I cancel my policy early?
• I have good health insurance, so how much medical payments coverage do I need?
• How much can I save by bundling my policies?
• Do I need added coverage for expensive stereo equipment?
• What are the financial responsibility laws in my state?
• Should I have combined single limit or split liability limits?
• What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete your zip code.

Parts of your car insurance policy

Knowing the specifics of your car insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as damage to your Mercedes-Benz GLC-Class.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision coverage protection

This coverage will pay to fix damage to your GLC-Class from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like hitting a mailbox, colliding with another moving vehicle, damaging your car on a curb, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses such as ambulance fees, EMT expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to 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

Comprehensive insurance

This coverage pays to fix your vehicle from 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 protects against claims like damage from a tornado or hurricane, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Coverage for liability

Liability insurance protects you from damages or injuries you inflict on other’s property or people. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Save for a rainy day

Cost effective 2017 Mercedes-Benz GLC-Class insurance is definitely available from both online companies as well as from insurance agents, and you need to price shop both to get a complete price analysis. Some car insurance companies may not have online quoting and most of the time these small, regional companies provide coverage only through independent agencies.

You just learned a lot of tips how to shop for 2017 Mercedes-Benz GLC-Class insurance online. The key thing to remember is the more you quote auto insurance, the better your comparison will be. You may even find the biggest savings come from the smaller companies.

While you’re price shopping online, do not reduce coverage to reduce premium. There are many occasions where drivers have reduced physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to find the BEST coverage for the lowest price, not the least amount of coverage.