Locating the cheapest insurance for your Mercedes-Benz GLK350 can normally be an all-consuming task, but you can follow our auto insurance buying tips and make it easy.
There is a right way and a wrong way to shop for auto insurance so you’re going to learn the proper way to price shop coverage for your Mercedes-Benz and find the cheapest rates.
It’s important to take a look at other company’s rates periodically due to the fact that insurance rates go up and down regularly. Even if you think you had the best deal for GLK350 coverage a year ago there is a good chance you can find better rates now. So forget all the misinformation about auto insurance because you’re going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.
Mercedes-Benz GLK350 insurance rates are influenced by…
Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. Understanding what influences your rates empowers consumers to make smart changes that could result in better auto insurance rates.
- Please use or commuting – The more you drive every year the more you’ll pay to insure your vehicle. Most companies apply a rate based on their usage. Cars not used for work or commuting get more affordable rates compared to those used for work or business. Ask your agent if your auto insurance policy is rated on the correct driver usage. Incorrect usage on your GLK350 can cost quite a bit.
- Older drivers pay less – Teenage drivers have a tendency to get distracted easily when driving so they pay higher auto insurance rates. If you’ve ever had to add a teen driver to your auto insurance policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and get fewer tickets.
- Marriage brings a discount – Having a spouse can actually save you money on auto insurance. Having a significant other is viewed as being more responsible and statistics show married couples file fewer claims.
- Your car’s features help determine rates – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart car theft.
- Safe vehicles cost less to insure – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and lower injury rates translates into savings for insurance companies and thus lower rates. If your Mercedes-Benz has ratings of a minimum 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.
- Men are more aggressive – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Women and men tend to get into accidents at a similar rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as reckless driving.
Compare Auto Insurance Costs
Shopping for lower auto insurance rates can be a daunting task if you don’t understand the best way to get rate quotes. You can waste a few hours (or days) driving to agents in your area, or you could use the web to get rate comparisons in just a few minutes.
Most of the larger companies are enrolled in a marketplace that enables customers to enter their policy data once, and every company provides a quote determined by their information. This eliminates the need for form submissions to each company.
To submit your quote information now, click here to open in new window.
The only downside to getting quotes like this is you cannot specify which carriers you will receive quotes from. So if you want to select from a list of companies to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.
It doesn’t matter which method you choose, just be sure to compare the exact same quote information for each price quote. If your comparisons have different liability limits you can’t possibly determine the best price for your Mercedes-Benz GLK350.
Misconceptions in auto insurance advertisements
Consumers can’t ignore all the ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings if you switch to their company.
How does each company make almost identical claims? This is how they do it.
All the different companies can use profiling for the right customer they prefer to insure. An example of a driver they prefer could be between 30 and 50, a clean driving record, and has a short commute. A customer getting a price quote who matches those parameters receives the best rates and is almost guaranteed to save a lot of money.
Potential insureds who don’t measure up to the “perfect” profile must pay a higher premium and ends up with business not being written. The ads state “customers who switch” not “everyone that quotes” save that much money. That’s why insurance companies can claim big savings.
This illustrates why drivers must get quotes from several different companies. It’s impossible to know which auto insurance company will have the lowest rates.
Save money by taking advantage of these discounts
The cost of insuring your cars can be expensive, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be inquired about in order for you to get them. If they aren’t giving you every credit you deserve, you’re paying more than you need to.
- Sign Online – Certain companies give back up to $50 for buying your policy digitally online.
- Homeowners Pay Less – Simply owning a home can save you money because maintaining a house requires personal responsibility.
- Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last until age 25.
- Save over 55 – Older drivers may receive a small decrease in premiums for GLK350 coverage.
- Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
- Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
- Low Mileage – Driving fewer miles can earn discounted rates on garaged vehicles.
- Driver’s Ed – Cut your cost by having your teen driver enroll in driver’s education in school.
- Pay Now and Pay Less – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
Consumers should know that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will cut your premiums.
For a list of providers with the best auto insurance discounts, click here.
When should I use an insurance agent?
When buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique.
For example, these questions might point out whether you might need professional guidance.
- Does my liability insurance cover pulling a trailer or camper?
- Am I covered if I wreck a rental car?
- Will my rates increase for filing one claim?
- Will I lose any money if I cancel my policy before it expires?
- Am I covered by my spouse’s policy after a separation?
- When would I need rental car insurance?
- Do I really need UM/UIM coverage?
- Are split liability limits better than a combined single limit?
- Does my Mercedes-Benz GLK350 qualify for pleasure use?
If you can’t answer these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.
Final thoughts
You just read many tips how you can save on Mercedes-Benz GLK350 insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best prices are with some of the lesser-known companies.
Drivers switch companies for any number of reasons including high prices, questionable increases in premium, high rates after DUI convictions and even policy non-renewal. It doesn’t matter what your reason, choosing a new insurance company is not as difficult as it may seem.
Cheap Mercedes-Benz GLK350 insurance can be bought online and with local insurance agents, and you need to price shop both to get a complete price analysis. There are still a few companies who do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.
