Compare 2021 Mercedes-Benz GLC-Class Insurance Rates in 2024

If you’ve never shopped for car insurance quotes online, it’s easy to get confused thanks to the huge assortment of insurers who claim to have the best insurance rates.

You should make it a habit to get comparison quotes as often as possible since rates go up and down regularly. Just because you had the best deal for GLC-Class insurance a few years ago you will most likely find a better price today. Block out anything you think you know about insurance because we’re going to demonstrate the right way to save money, get proper deductibles and limits, all at the lowest rate.

Free insurance coverage price quotes

There are a lot of ways to shop for insurance coverage, but one way is easier and takes less work. You could spend your day talking about coverages with local insurance agents in your area, or you could use online quoting to get pricing more quickly.

Most major companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each participating company can provide price quotes determined by their information. This saves time by eliminating repetitive form submissions to each company.

To find out what other companies charge enter your zip code here.

The single downside to pricing coverage this way is that consumers can’t choose which insurance companies you want to price. So if you want to choose individual companies to compare prices, we have assembled a list of low cost insurance coverage companies in your area. Click to enter zip code.

You can use whichever method you prefer to find lower rates, just make darn sure you compare exactly the same information on every price quote you get. If each company quotes different values for each quote you will not be able to determine the best price for your Mercedes-Benz GLC-Class. Slightly different coverage limits could mean much higher rates. Just remember that comparing more rates from different companies gives you a better chance of getting the best price. Some regional insurers cannot provide online rate quotes, so it’s recommended that you also compare price estimates on coverage from those companies, too.

Get cheaper rates by taking advantage of discounts

Not many people think insurance is cheap, but you might be missing out on some discounts to help offset the cost. Some of these discounts will be visible at the time of quoting, but some need to be manually applied prior to receiving the credit.

• Multiple Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you may earn 10% to 20% off each policy.
• Own a Home – Owning a home can save a few bucks because it means you have a higher level of financial diligence.
• Anti-theft Discount – Cars and trucks that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your car insurance quote.
• Federal Government Employee – Federal government employees could provide a small rate reduction for GLC-Class insurance with some insurance companies.
• Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
• ABS Brakes – Cars with anti-lock braking systems can stop better under adverse conditions and therefore earn up to a 10% discount.
• Defensive Driver Discounts – Taking part in a safe driver course may get you a small discount and easily recoup the cost of the course.
• Discounts for Cautious Drivers – Accident-free drivers can save up to 40% or more on their car insurance quote for GLC-Class insurance than drivers with accidents.
• Discounts for New Vehicles – Buying coverage on a new vehicle is cheaper since newer vehicles have better safety ratings.

Remember that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like all those discounts means the company will pay you, you aren’t that lucky.

A list of companies and their possible discounts can be found below.

• Esurance has savings for good driver, Switch & Save, anti-lock brakes, good student, Pac-12 alumni, and renters.
• The Hartford policyholders can earn discounts including vehicle fuel type, driver training, bundle, air bag, defensive driver, good student, and anti-theft.
• AAA offers discounts for education and occupation, multi-car, anti-theft, AAA membership discount, good driver, and good student.
• GEICO offers premium reductions for multi-policy, federal employee, good student, seat belt use, anti-lock brakes, and anti-theft.
• State Farm may include discounts for Drive Safe & Save, accident-free, good driver, Steer Clear safe driver discount, student away at school, multiple policy, and safe vehicle.

Before buying, ask all the companies to give you their best rates. Some of the earlier mentioned discounts might not be offered in your area. For a list of companies with discount rates, enter your zip code here.

How much insurance coverage do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions could help you determine whether or not you may require specific advice.

• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is a fancy paint job covered?
• Am I covered when using my vehicle for business?
• Do I need roadside assistance coverage?
• Am I getting all the discounts available?
• Do I have coverage when making deliveries for my home business?
• Do all my vehicles need collision coverage?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Smart consumers know how to find car insurance cheaper

The best way to find cheaper car insurance is to take a look at some of the things that are used to determine your car insurance rates. If you have a feel for what determines premiums, this enables you to make decisions that could help you find lower car insurance prices. Multiple criteria are used in the calculation when you get a price on insurance. A few of the factors are predictable such as your driving history, but other factors are more transparent such as your marital status or how financially stable you are.

• Low stress job equals lower prices – Did you know your career choice can influence rates? Jobs such as military generals, social workers and stock brokers usually pay the highest average rates due to high stress levels and long work days. On the other hand, occupations such as scientists, athletes and the unemployed generally pay rates lower than average for GLC-Class insurance.
• Safer vehicles cost less to insure – Cars with high safety ratings tend to be cheaper to insure. These vehicles protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates.
• Discounts for auto and home policies – Many car insurance companies will give lower prices to buyers that buy multiple policies in the form of a multi-policy discount. The discount can be ten percent or more. Even if you’re getting this discount you may still want to get quotes from other companies to help ensure you have the lowest rates.
• Improve your credit score – A driver’s credit score factor in calculating your car insurance rates. People that have good credit tend to file fewer claims and have better driving records than drivers with lower credit scores. Therefore, if your credit score leaves room for improvement, you may save money insuring your 2021 Mercedes-Benz GLC-Class by improving your credit score.
• Don’t cancel your car insurance policy without a new one in place – Having an insurance coverage lapse will be a sure-fire way to pay more for car insurance. In addition to paying higher premiums, failure to provide proof of insurance might get you a fine, jail time, or a revoked license.

Insurance coverage breakdown

Understanding the coverages of your policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for medical payments – Med pay and PIP coverage pay for bills like chiropractic care, rehabilitation expenses and nursing services. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz GLC-Class.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability insurance – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability insurance covers claims such as loss of income, pain and suffering and attorney fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This coverage covers damage to your GLC-Class from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.

Comprehensive coverages – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, damage from flooding, damage from getting keyed, hitting a deer and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Have the Midas touch

There are still a few companies who do not offer rates over the internet and most of the time these smaller companies sell through independent agents. Budget-friendly insurance coverage is attainable on the web and also from your neighborhood agents, and you should compare rates from both to have the best selection.

When you buy car insurance online, you should never reduce needed coverages to save money. In many cases, drivers have reduced collision coverage only to find out that it was a big mistake. Your strategy should be to buy enough coverage at the lowest possible cost, but do not skimp to save money.

Consumers change insurance companies for many reasons like questionable increases in premium, high rates after DUI convictions, policy cancellation or denial of a claim. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.