Cheap 2018 Mercedes-Benz GLC-Class Insurance Rates

Searching for cheaper insurance rates? Consumers have options when looking for the best price on Mercedes-Benz GLC-Class insurance. You can either spend your time calling around to compare prices or leverage the internet to get rate quotes.

There is a right way and a wrong way to compare insurance rates so you’re going to learn the proper way to quote coverages for a Mercedes-Benz and get the lowest possible price.

If you have a current car insurance policy or are looking for a new policy, you can learn to cut your premiums while maximizing coverage. The purpose of this article is to instruct you on the best way to quote coverages and some tricks to saving. Drivers only need an understanding of the proper way to get comparison quotes on the web.

How insurance providers determine Mercedes-Benz GLC-Class insurance premiums

One of the most helpful ways to save on car insurance is to to have a grasp of the factors that help determine your premiums. If you have some idea of what positively or negatively impacts your premiums, this enables you to make decisions that can help you get lower premium levels. Lots of factors are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving history, but others are less obvious such as your credit history or your commute time.

• Youthful drivers pay higher premiums – Beginning drivers are proven to be inattentive when at the wheel of a vehicle so car insurance rates are higher. Adding a teenage driver onto your car insurance can be quite pricey. More experienced drivers are more cautious drivers, are lower risk to insure and are safer drivers.
• Add-on coverages you don’t use – Insurance companies have many optional add-on coverages that can add up when buying car insurance. Add-on coverages like coverage for rental cars, better glass coverage, and Farm Bureau memberships may not be needed and are just wasting money. They may sound like good ideas when you first buy your policy, but your money might be better spent on other coverage so think about removing them and cutting costs.
• Good drivers pay less – Drivers who don’t get tickets tend to pay less for car insurance as compared to careless drivers. Having just one ticket may increase your cost by as much as thirty percent. Drivers who have gotten careless tickets such as DWI, reckless driving or hit and run convictions may find that they have to to submit a SR-22 form with the DMV in their state in order to prevent their license from being revoked.
• Drivers with excellent credit save on car insurance – Having a good credit rating can be an important factor in determining what you pay. People with excellent credit tend to file fewer claims and have better driving records than those with lower ratings. If your credit is low, you could save money insuring your 2018 Mercedes-Benz GLC-Class by spending a little time repairing your credit.
• Insurance claims cost money – If you tend to file frequent claims, you shouldn’t be surprised to get higher premiums or even policy non-renewal. Car insurance companies provide better rates to people who do not file claims often. Auto insurance is meant to be used in the event of the large, substantial claims.

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Earn discounts to get lower-cost insurance coverage quotes

Properly insuring your vehicles can get expensive, but companies offer discounts to help bring down the price. Certain discounts will be applied at the time you complete a quote, but occassionally some discounts must be specially asked for before they will apply.

• Accident-Free Discounts – Drivers with accident-free driving histories can save substantially as compared to insureds who have frequent claims or accidents.
• Driving Data Discount – Insureds who allow data collection to track where and when they drive through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they are good drivers.
• Discount for Home Ownership – Owning a home can earn you a little savings because maintaining a house shows financial diligence.
• Multiple Vehicles – Drivers who insure all your vehicles on one policy could earn a price break for each car.
• Anti-lock Brake System – Cars equipped with ABS or steering control are much safer to drive so companies give up to a 10% discount.
• Bundled Policy Discount – If you can bundle your home and auto insurance with the same insurance company you could save at least 10% off all policies.
• Service Members Pay Less – Being deployed in the military may lower your premium rates slightly.
• Passive Restraints and Air Bags – Options like air bags can qualify for discounts as much as 30%.
• One Accident Forgiven – This one is not really a discount per se, but a few companies such as Allstate and Geico will allow you to have one accident without getting socked with a rate hike if you are claim-free for a particular time prior to the accident.

Consumers should know that most discount credits are not given to your bottom line cost. A few only apply to individual premiums such as medical payments or collision. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

A few popular companies and their offered discounts are shown below.

• American Family offers discounts including TimeAway discount, good driver, accident-free, early bird, bundled insurance, multi-vehicle, and Steer into Savings.
• Farm Bureau discounts include safe driver, multi-vehicle, good student, multi-policy, youthful driver, and driver training.
• State Farm has discounts for multiple policy, passive restraint, accident-free, student away at school, good driver, and good student.
• Travelers offers premium reductions for student away at school, payment discounts, save driver, good student, and hybrid/electric vehicle.
• The Hartford has savings for vehicle fuel type, anti-theft, driver training, defensive driver, and good student.
• Geico may offer discounts for emergency military deployment, membership and employees, federal employee, good student, anti-theft, and defensive driver.
• Progressive policyholders can earn discounts including multi-policy, good student, online signing, continuous coverage, homeowner, and multi-vehicle.

If you need lower rates, check with each company the best way to save money. Some of the earlier mentioned discounts may not be offered in your area. To see providers with significant discounts, click here.

Ads can be misleading

Consumers can’t ignore all the ads that promise big savings for switching by companies like 21st Century, Allstate and State Farm. They all tend to make the same promise that drivers will save a bundle if you move your coverage to them.

How does each company offer drivers better rates?

Most companies have a certain “appetite” for the type of driver that earns them a profit. For example, a profitable customer should be over the age of 50, has had continuous coverage, and drives a car with an anti-theft system. Any new insured that fits those parameters will get low auto insurance rates and will probably save a lot if they switch.

Potential insureds who don’t meet those standards will see a higher premium with the end result being the customer buying from a different company. The trick companies use is to say “people who switch” not “everyone that quotes” save the amount stated. That’s why companies can make it sound like they have such great auto insurance rates.

This really drives home the point why you really need to get price quotes at each policy renewal. Because you cannot predict with any certainty which company will have better rates than you’re paying now.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Everyone’s needs are different.

For instance, these questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Where can I get insurance after a DUI in my state?
• When should I not file a claim?
• Do I need PIP coverage since I have good health insurance?
• Does my personal policy cover me when driving out-of-state?
• Is my dog or cat covered if injured in an accident?
• Will I be non-renewed for getting a DUI or other conviction?
• How do I insure my teen driver?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and may give you better protection.

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Insurance coverages explained

Learning about specific coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from flooding, hitting a bird and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses like prosthetic devices, hospital visits, ambulance fees, chiropractic care and doctor visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Collision insurance

This coverage covers damage to your GLC-Class caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like hitting a parking meter, crashing into a ditch, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Mercedes-Benz GLC-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability

This will cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, medical expenses, emergency aid and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as large an amount as possible.

Knowledge is power

We just showed you many ideas to shop for 2018 Mercedes-Benz GLC-Class insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding cheap car insurance. You may be surprised to find that the lowest car insurance rates are with an unexpected company.

Cheaper insurance is available on the web in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these regional carriers provide coverage only through independent agents.

When you buy car insurance online, don’t be tempted to reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage and learned later that they should have had better coverage. Your goal is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Additional information is located below:

• Rollover Crash FAQ (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)

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