2014 Mercedes-Benz GLK-Class Insurance Cost in 2024 – 5 Tricks for Best Prices

Trying to find lower auto insurance rates? Buyers have lots of choices when searching for the best price on Mercedes-Benz GLK-Class insurance. You can either spend your time struggling with agents getting price quotes or save time using the internet to make rate comparisons. There are both good and bad ways to find auto insurance online so we’re going to tell you the best way to compare rates for a new or used Mercedes-Benz and locate the lowest possible price either online or from local insurance agents.

It’s a good idea to do rate comparisons at least once a year due to the fact that insurance prices trend upward over time. Even if you got the lowest price for GLK-Class coverage six months ago you may be paying too much now. Forget all the misinformation about auto insurance because I’m going to teach you one of the quickest ways to lower your annual insurance bill.

Finding affordable coverage is quite easy. If you currently have car insurance, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to know the best way to shop online.

Earn discounts on auto insurance

Auto insurance is not an enjoyable expense, but you might find some hidden discounts that you may not even know about. Certain discounts will be triggered automatically when you complete an application, but less common discounts must be inquired about before you get the savings.

• Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
• No Accidents – Good drivers with no accidents pay less in comparison to bad drivers.
• Save with a New Car – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer models.
• Multi-policy Discount – If you have multiple policies with one insurance company you could earn a discount of over 10 percent off each policy depending on the company.
• Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, it just doesn’t work that way.

Companies that may offer policyholders most of the discounts above possibly include:

• Farm Bureau
• Liberty Mutual
• State Farm
• Auto-Owners Insurance
• GEICO
• SAFECO

Before you buy a policy, ask every company which discounts they offer. Some of the discounts discussed earlier may not be available everywhere. To see companies with the best discounts, enter your zip code here.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation could use an agent’s help.

• Do I need rental car coverage?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• If my 2014 Mercedes-Benz GLK-Class is totaled, can I afford another vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• Should I buy additional glass protection?
• How much can I save by bundling my policies?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out your zip code. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance 101

Understanding the coverages of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be ambiguous and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses for dental work, hospital visits, rehabilitation expenses and chiropractic care. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix 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 can pay for claims like a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

Collision coverage covers damage to your GLK-Class from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a mailbox, scraping a guard rail and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Liability auto insurance

This coverage can cover damage that occurs to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability insurance covers claims like repair costs for stationary objects, funeral expenses and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz GLK-Class.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important.

A little work can save a LOT of money

Affordable 2014 Mercedes-Benz GLK-Class insurance can be found from both online companies as well as from insurance agents, so you need to quote auto insurance with both in order to have the best chance of saving money. Some insurance providers may not have internet price quotes and usually these smaller providers prefer to sell through independent agents.

In this article, we presented a lot of ways to lower your 2014 Mercedes-Benz GLK-Class insurance prices. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from the smaller companies.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped liability coverage limits and discovered at claim time that it was a big error on their part. Your objective should be to purchase plenty of coverage at the best possible price.