How Much Does 2012 Mercedes-Benz GLK-Class Car Insurance Cost?

Trying to find cheaper auto insurance rates for your Mercedes-Benz GLK-Class? Searching for cheaper insurance for a Mercedes-Benz GLK-Class can be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to compare auto insurance rates so we’re going to tell you the proper way to quote coverages on a Mercedes-Benz and get the lowest price.

Auto Insurance Prices

Effectively comparing auto insurance prices can take hours if you don’t utilize the best way to get rate quotes. You could waste a few hours talking about coverages with insurance agencies in your area, or you can utilize the web to get prices fast.

Most major companies enroll in a system that allows shoppers to only type in their quote data once, and each company returns a rated price determined by their information. This saves time by eliminating quotation requests to each individual auto insurance company. To get comparison pricing now click to open in new window.

One minor caviat to getting quotes like this is you cannot specify which companies you will receive quotes from. So if you prefer to choose specific providers to compare prices, we put together a list of companies who write auto insurance in your area. Click here to view list.

Which method you use is up to you, but double check that you are using identical quote information with every price quote. If each company quotes mixed coverages you will not be able to make an equal comparison.

Do drivers who switch really save $453 a year?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of 21st Century, Allstate and State Farm. All the ads make an identical promise that you’ll save big if you switch your coverage to them.

How do they all claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the driver that is profitable for them. For example, a driver they prefer might be between the ages of 40 and 55, has no prior claims, and has great credit. A propective insured who meets those qualifications will get the preferred rates and is almost guaranteed to cut their rates substantially.

Consumers who don’t qualify for this ideal profile will have to pay higher premiums and this can result in the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everybody who quotes” save that much. That is how companies can truthfully advertise the way they do.

Because of the profiling, you should get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on Mercedes-Benz GLK-Class insurance.

Some factors that can determine what Mercedes-Benz GLK-Class insurance costs

An important part of buying insurance is that you know the factors that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

  • Special features that cut premiums – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Multi-policy discounts can save money – The majority of insurers provide better rates to people who carry more than one policy. It’s known as a multi-policy discount. Discounts can be five, ten or even twenty percent. Even though this discount sounds good, you still need to shop around to verify if the discount is saving money. Consumers may find better rates by buying insurance from more than one company.
  • Safe vehicles cost less to insure – Safer cars can get you lower premiums. Safer cars have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If the Mercedes-Benz GLK-Class is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Proper usage rating affects rates – The more you drive in a year’s time the higher your rates will be. The majority of insurers price each vehicle’s coverage based on their usage. Vehicles left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. An improperly rated GLK-Class may be costing you. Make sure your auto insurance policy is showing the correct driver usage.
  • Being married is a good thing – Being married actually saves money when buying auto insurance. Having a significant other means you’re more mature than a single person and it’s statistically proven that drivers who are married are more cautious.

Take discounts and save

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Most are applied when you get a quote, but a few must be asked for before you get the savings. If you aren’t receiving every discount available, you’re paying more than you need to.

  • Discount for Life Insurance – Larger companies have better rates if you take out a life insurance policy as well.
  • Sign Online – Some insurance companies will give a small break just for signing your application online.
  • No Charge for an Accident – Some insurance companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. This discount can apply well after school through age 25.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% off your PIP or medical payments premium.
  • Safety Course Discount – Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
  • College Student – Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

A little note about advertised discounts, most discounts do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you would end up receiving a 100% discount, car insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Check with every prospective company which discounts you may be entitled to. Some discounts may not apply in your state.

Which policy gives me the best coverage?

When it comes to buying the best auto insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique.

These are some specific questions can help discover whether you will benefit from professional help.

  • Can I rent a car in Mexico?
  • Is my dog or cat covered if injured in an accident?
  • Am I missing any policy discounts?
  • Is business property covered if stolen from my car?
  • Is my 2012 Mercedes-Benz GLK-Class covered for flood damage?
  • What are the financial responsibility laws in my state?
  • Are there companies who specialize in insuring high-risk drivers?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverages available on your insurance policy

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are identical to your policy’s liability coverage.


This will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as medical services, legal defense fees and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like sustaining damage from a pot hole, colliding with a tree and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from flooding, falling objects, damage from getting keyed and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for prosthetic devices, X-ray expenses and surgery. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Final considerations

In this article, we presented many ideas to lower your 2012 Mercedes-Benz GLK-Class insurance rates. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a smaller regional carrier.

Drivers who switch companies do it for many reasons like unfair underwriting practices, an unsatisfactory settlement offer, not issuing a premium refund or even delays in responding to claim requests. Whatever your reason, switching companies is actually quite simple.

Affordable insurance can be bought online and with local insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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