View 2017 Mercedes-Benz GLC-Class Car Insurance Rates

Are you tired of being strong-armed each month for auto insurance? You are no different than the majority of other people.

Many insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute best rate

It’s a great practice to shop coverage around on a regular basis because prices tend to go up over time. Even if you think you had the lowest quotes on GLC-Class coverage on your last policy a different company probably has better rates today. There is lot of inaccurate information about auto insurance on the internet, but by reading this article, you’re going to learn some excellent ideas to reduce your auto insurance bill.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this information. Finding the best rates is quite easy. But car owners benefit from understanding how the larger insurance companies market on the web and apply this information to your search.

Informed drivers save money

Lots of things are part of the equation when premium rates are determined. Some are pretty understandable such as your driving history, but other factors are more transparent such as your marital status or your financial responsibility.

The factors shown below are a few of the “ingredients” utilized by car insurance companies to help set rates.

• Cheaper auto insurance rates with safer cars – Safer cars can get you lower premiums. Vehicles built for safety reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims which can result in lower premiums.
• High physical damage deductibles equal low rates – Insurance for physical damage, also called ‘full coverage’, covers your vehicle from damage. A few examples of covered claims are a dented fender, damage from fire, and rolling your vehicle. The deductibles you choose tell how much you are willing to pay in the event of a claim. The larger the amount you’re willing to pay, the bigger discount you will receive on GLC-Class coverage.
• Liability insurance preserves assets – The liability section of your policy will provide protection if a court rules you are at fault for an accident. This coverage provides legal defense starting from day one. Liability insurance is quite affordable compared to other policy coverages, so insureds should have plenty of protection for their assets.
• Bundling policies can get discounts – Most larger insurers apply discounts for people that have more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. Even if you already get this discount, it’s still a good idea to compare rates to make sure you are getting the best deal. You may still save more without the discount even if you have your coverage with different companies
• Your employer can affect prices – Jobs such as doctors, social workers and dentists are shown to have higher average rates attributed to stressful work requirements and lots of time spent at work. Other jobs like professors, athletes and performers generally pay rates lower than average on GLC-Class coverage.
• Avoid unnecessary extra coverages – Insurance companies have many optional add-on coverages that sound like a good idea at the time when buying auto insurance. Insurance for vanishing deductibles, accidental death, and term life insurance could be just wasting money. These coverages may sound good when you first buy your policy, but if you don’t need them eliminate them to save money.
• Prevent coverage lapses – Letting your insurance expire is a fast way to increase your renewal premiums. In addition to paying higher premiums, getting caught without coverage might get you a revoked license or a big fine. You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• More mileage equals more premium – The more you drive annually the more you’ll pay to insure it. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Vehicles that do not get driven very much qualify for better rates compared to those used for work or business. Verify your auto insurance coverage states the correct driver usage. An incorrectly rated GLC-Class is just wasting money.

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How to shop insurance online

There are several ways you can shop for insurance but there is one way that is easier and takes less work. You can waste a few hours (or days) talking to insurance companies in your area, or you could use online quotes to get prices fast.

Most major companies are enrolled in a marketplace that allows shoppers to send in one quote, and at least one company provides a quote. This saves time by eliminating quote requests to each individual insurance company. To find out how much you can save on insurance click to open in new window.

One minor caviat to getting quotes like this is you can’t choose which carriers to get pricing from. If you would rather choose from a list of companies for rate comparison, we put together a list of the cheapest insurance companies in your area. View list of insurance companies.

Compare rates however you want, just do your best to enter the same coverage information on every price quote you get. If you have differing limits it will be impossible to make an equal comparison. Having just a slight variation in insurance coverages or limits can make a big difference in price. And when quoting insurance, remember that comparing a large number of companies helps improve the odds of finding more affordable rates.

These discounts can lower your insurance rates

Some insurance providers don’t list the complete list of policy discounts very clearly, so the below list has some of the more common and also the more inconspicuous ways to save on insurance.

• 55 and Retired – Older drivers may receive a small decrease in premiums on GLC-Class coverage.
• Active Service Discounts – Being on active duty in the military could be rewarded with lower rates.
• Multiple Vehicles – Buying coverage for multiple vehicles with the same insurance company can get a discount on all vehicles.
• Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may earn rate discounts of 20% or more.
• Life Insurance – Some insurance companies give a lower premium rate if you buy some life insurance too.
• Organization Discounts – Participating in certain professional organizations could earn you a nice discount on your bill.
• Responsible Driver Discount – Insureds without accidents can save as much as half off their rates on GLC-Class coverage than less cautious drivers.
• Online Discount – Many insurance companies will give you a small discount for buying your policy digitally online.

Remember that many deductions do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will definitely lower your insurance premiums.

A list of insurance companies and some of their more popular discounts are detailed below.

• Geico offers discounts including seat belt use, good student, emergency military deployment, air bags, defensive driver, and multi-vehicle.
• MetLife may have discounts that include multi-policy, good driver, accident-free, defensive driver, claim-free, and good student.
• State Farm discounts include driver’s education, multiple policy, Steer Clear safe driver discount, accident-free, and good student.
• Progressive may include discounts for online signing, online quote discount, multi-vehicle, multi-policy, and good student.
• Mercury Insurance may offer discounts for age of vehicle, multi-car, location of vehicle, good student, and type of vehicle.
• 21st Century includes discounts for early bird, anti-lock brakes, driver training, student driver, and teen driver.
• Allstate has discounts for good payer, passive restraint, 55 and retired, auto/life discount, and good student.

It’s a good idea to ask each company to give you their best rates. All car insurance discounts might not be offered on policies in your area. If you would like to view insurance companies with discount insurance rates, click this link.

Different people need different auto insurance coverages

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions can help discover whether you might need professional guidance.

• Should I drop comprehensive coverage on older vehicles?
• What is roadside assistance coverage?
• What exactly is covered by my policy?
• When do I need to add a new car to my policy?
• Are my tools covered if they get stolen from my vehicle?
• Is pleasure use cheaper than using my 2017 Mercedes-Benz GLC-Class to commute?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

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Specific coverage details

Understanding the coverages of insurance can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on most insurance policies.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2017 Mercedes-Benz GLC-Class.

Since many drivers carry very low liability coverage limits, 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. Most of the time the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments – Med pay and PIP coverage pay for short-term medical expenses such as doctor visits, surgery, EMT expenses and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

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

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like bail bonds, legal defense fees and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, hitting a deer and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Take this to the bank

We just showed you many ideas to save on 2017 Mercedes-Benz GLC-Class insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding inexpensive car insurance. You may even discover the lowest premium rates are with a company that doesn’t do a lot of advertising. They often have lower prices on specific markets as compared to the big name companies such as State Farm or Progressive.

While you’re price shopping online, you should never buy less coverage just to save a little money. There are too many instances where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the small savings ended up costing them much more. Your objective should be to buy enough coverage for the lowest price, but do not skimp to save money.

More tips and info about car insurance can be found in the articles below:

• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Auto Insurance 101 (About.com)

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