2010 Mercedes-Benz GLK-Class Insurance Rates
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UPDATED: Mar 10, 2020
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Trying to find the cheapest insurance coverage rates for your Mercedes-Benz GLK-Class? Are you sick and tired of robbing Peter to pay Paul to pay your car insurance bill each month? You are no different than many other drivers.
You have so many insurers to buy insurance from, and though it is a good thing to have multiple companies, having more car insurance companies makes it harder to adequately compare rates.
You should make it a habit to check insurance coverage prices yearly because prices change regularly. Even if you got the best deal for GLK-Class coverage a year ago you can probably find a lower rate today. You can find a lot of misleading information regarding insurance coverage on the web, but with this article, you’re going to get some great ways to reduce your insurance coverage bill.
Finding affordable coverage is not rocket science. If you are paying for car insurance now, you should be able to lower your premiums substantially using this strategy. But vehicle owners need to learn how big insurance companies compete online and use this information to your advantage.
How much can you save with discounts?
Companies offering auto insurance don’t list every available discount in a way that’s easy to find, so we break down some of the more common and the harder-to-find insurance savings.
- Braking Control Discount – Cars that have steering control and anti-lock brakes are safer to drive and therefore earn up to a 10% discount.
- Discount for Life Insurance – Select insurance companies reward you with a break if you buy auto and life insurance together.
- Club Memberships – Participating in a professional or civic organization is a good way to get lower rates on your policy for GLK-Class coverage.
- Bundle and Save – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
- Passive Restraint Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.
- New Car Discount – Buying coverage on a new vehicle can cost up to 25% less compared to insuring an older model.
- Homeowners Pay Less – Owning a house may earn you a small savings because owning a home is proof that your finances are in order.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
Drivers should understand that some of the credits will not apply to your bottom line cost. Most only cut specific coverage prices like comp or med pay. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky.
Companies that may offer some of the above discounts may include but are not limited to:
Check with every prospective company what discounts are available to you. All car insurance discounts might not apply in every state.
Mercedes-Benz GLK-Class rate determination is complex
An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that can help you get big savings.
Listed below are some of the factors used by your company to calculate your rates.
- High crash test scores lower rates – Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates. If your Mercedes-Benz earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
- Rates may be lower depending on your job – Careers like real estate brokers, architects and dentists are shown to have the highest average rates in part from stressful work requirements and lots of time spent at work. Other occupations such as scientists, historians and retirees pay the least for GLK-Class coverage.
- Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you if ever a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to insuring for physical damage coverage, so buy as much as you can afford.
- Multi-policy discounts can save money – Some insurers provide better rates to customers who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you may still want to compare rates to make sure you are getting the best deal. Drivers may still find better rates by insuring with multiple companies.
- Poor driving leads to higher costs – Your driving record has a big impact on rates. Careful drivers receive lower rates than people who have multiple driving citations. Even one citation can boost insurance rates by twenty percent. Drivers who get severe violations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
- Lower rates come with age – Mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Youthful drivers are statistically proven to get distracted easily in a vehicle therefore car insurance rates are much higher.
- Rural vs Urban Areas – Being located in less populated areas is a positive aspect when it comes to car insurance. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. More time on the road means more change of being in an accident.
- Special features that cut premiums – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.
How much car insurance do I need?
When choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might point out whether you would benefit from an agent’s advice.
- Should I drop comprehensive coverage on older vehicles?
- Is my 2010 Mercedes-Benz GLK-Class covered for flood damage?
- Where can I get insurance after a DUI in my state?
- Does my 2010 Mercedes-Benz GLK-Class qualify for pleasure use?
- Why do I need rental car insurance?
- Does my insurance cover damage caused when ticketed for reckless driving?
- How can I get high-risk coverage after a DUI?
- Can I afford low physical damage deductibles?
- Is my nanny covered when driving my vehicle?
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If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier
Parts of your car insurance policy
Knowing the specifics of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on most car insurance policies.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for hospital visits, doctor visits and prosthetic devices. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist (UM/UIM)
Your UM/UIM coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mercedes-Benz GLK-Class.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.
Liability coverage will cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.
This coverage 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 claims like fire damage, theft, rock chips in glass and damage from a tornado or hurricane. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Auto collision coverage
This coverage covers damage to your GLK-Class resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as backing into a parked car, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Better coverage you can count on
In this article, we covered a lot of ways to shop for 2010 Mercedes-Benz GLK-Class insurance online. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the best prices are with the least-expected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as State Farm and Allstate.
When trying to cut insurance costs, it’s not a good idea to buy less coverage just to save a little money. There are too many instances where someone sacrificed liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to find the BEST coverage at the best price, not the least amount of coverage.
Additional insurance coverage information can be read at these links:
- Child Safety Seats (Insurance Information Insitute)
- Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Collision Coverage (Liberty Mutual)
- Older Drivers FAQ (iihs.org)
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