Cheapest 2013 Mercedes-Benz GLK-Class Insurance Rates in 2023

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Trying to find cheaper auto insurance rates for your Mercedes-Benz GLK-Class? No one enjoys paying for auto insurance, particularly when they are paying too much.

Because there are so many insurance companies to choose from, it can be diffult for consumers to pick the cheapest provider.

Finding the best rates is quite easy. Just about every vehicle owner who carries insurance will most likely be able to save money. Although consumers benefit from understanding how big insurance companies sell insurance online because it can help you find the best coverage.

Your Mercedes-Benz GLK-Class insurance rate is a complex equation

It’s important that you understand some of the elements that play a part in calculating the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to big savings.

  • Better crash test results mean better rates – Vehicles with high crash test scores can get you lower premiums. The safest vehicles protect occupants better and better occupant protection means lower claim amounts and thus lower rates. If your Mercedes-Benz scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Low deductibles can be expensive – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, is used to repair damage to your Mercedes-Benz. A few examples of covered claims are running into the backend of another car, collision with an animal, or theft. Physical damage deductibles are how much you are required to spend before your insurance coverage pays a claim. The more expense you have to pay, the less your company will charge you for insurance on GLK-Class coverage.
  • Older drivers pay less – Mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teen drivers are statistically proven to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher.
  • A clean driving record saves money – Drivers with clean records get better rates than people who have multiple driving citations. Only having one moving violation may increase your cost twenty percent or more. Drivers who have severe citations such as hit and run, DWI or reckless driving convictions may need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.

Lower rates by qualifying for discounts

Car insurance companies don’t always publicize every discount in an easy-to-find place, so the following is a list of some of the best known and the more hidden ways to save on car insurance.

  • Homeowners Pay Less – Owning a house can help you save on car insurance because maintaining a house requires personal responsibility.
  • Good Student Discount – Performing well in school can earn a discount of 20% or more. This discount can apply up to age 25.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could save 15% off your medical payments premium.
  • Defensive Driving Course – Taking a course in driver safety could save 5% or more depending on where you live.
  • Resident Student – Kids in college who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.

It’s important to understand that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So despite the fact that it appears you can get free auto insurance, car insurance companies aren’t that generous.

To see a list of insurers offering car insurance discounts, click here to view.

Car insurance is unique, just like you

When buying adequate coverage for your vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. These are some specific questions could help you determine if your situation would benefit from an agent’s advice.

  • Why do I need rental car insurance?
  • Should I rate my 2013 Mercedes-Benz GLK-Class as pleasure use or commute?
  • Is a blown tire covered by insurance?
  • Can I afford to pay high deductible claims out of pocket?
  • When would I need additional glass coverage?
  • I have a DUI can I still get coverage?
  • Why is insurance for a teen driver so high?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Insurance coverage specifics

Understanding the coverages of a insurance policy aids in choosing the right coverages for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance kick in for bills for things like rehabilitation expenses, surgery and chiropractic care. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

Collision insurance covers damage to your GLK-Class resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as sideswiping another vehicle, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2013 Mercedes-Benz GLK-Class.

Since 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.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, damage from a tornado or hurricane, a broken windshield and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability coverage protects against things such as emergency aid, structural damage and attorney fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

More choices the merrier

You just read quite a bit of information on how to get a better price on 2013 Mercedes-Benz GLK-Class insurance. The key concept to understand is the more providers you compare, the better your comparison will be. You may even find the best price on insurance coverage is with a smaller regional carrier. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

Cost effective insurance can be purchased from both online companies and also from your neighborhood agents, so compare prices from both to get a complete price analysis. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Even more information is available in these articles:

Use our FREE quote tool to compare rates now!

Frequently Asked Questions

When can I cancel my policy?

You can typically cancel your insurance policy at any time. However, it is important to consider the consequences of canceling coverage, such as potential gaps in protection and the impact on future insurance rates. It is recommended to consult with your insurance provider before canceling your policy.

Is pleasure use cheaper than using my 2013 Mercedes-Benz SL-Class to commute?

Insurance rates can be influenced by various factors, including the purpose for which you use your vehicle. Pleasure use, which typically involves less frequent driving and lower mileage, may be associated with lower insurance rates compared to using your vehicle for daily commuting. However, rates can vary depending on your location and other individual factors, so it is advisable to obtain quotes from insurance providers to determine the specific impact on your premiums.

Will my rates increase for filing one claim?

Filing a claim can potentially impact your insurance rates. If you file a claim for an at-fault accident or an incident that is covered by your policy, it may result in an increase in your premiums upon policy renewal. However, the specific impact on your rates can vary depending on your insurance provider and your claims history. It is recommended to discuss this with your insurance company for accurate information.

How can I get my company to pay me more for my totaled car?

When your car is totaled, the insurance company will typically offer you the actual cash value (ACV) of the vehicle, which is based on its market value at the time of the accident. If you believe that the offered amount is insufficient, you can try negotiating with the insurance company by providing evidence of higher values, such as recent comparable sales or maintenance records showing the vehicle’s exceptional condition. It may also be helpful to consult with a professional appraiser or seek legal advice, if necessary.

Am I covered if I break a side mirror?

Coverage for a broken side mirror can depend on the specifics of your insurance policy. If you have comprehensive coverage, it may cover the cost of repairing or replacing the side mirror, subject to any applicable deductibles. However, if you only have liability coverage, which generally doesn’t cover damages to your own vehicle, you may need to pay for the repairs out of pocket. It is recommended to review your policy or contact your insurance provider for clarification on your coverage.

Can I pay claims out-of-pocket if I buy high deductibles?

If you choose a higher deductible for your insurance policy, it means you will have to pay more out-of-pocket before your insurance coverage kicks in. You can certainly choose to pay for smaller claims out-of-pocket if they fall below your deductible amount. However, it is important to consider your financial situation and the potential savings on premiums when deciding on deductible amounts. Remember that insurance is designed to protect you from significant financial burdens, so higher deductibles should be manageable for you in case of larger claims.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles