Compare 2017 Mercedes-Benz GLC-Class Car Insurance Rates

Searching for better car insurance rates for your Mercedes-Benz GLC-Class? Shopping for cheaper car insurance is rather challenging for buying their car insurance online. With a ridiculous number of online companies, how can people possibly compare them all to find better rates?

It’s a good habit to do rate comparisons before your policy renews because prices trend upward over time. Even if you think you had the best quotes for GLC-Class coverage on your last policy you will most likely find a better rate today. Forget all the misinformation about car insurance because you’re about to learn one of the best ways to eliminate unnecessary coverages and save money.

If you are paying for car insurance now, you will be able to lower your premiums substantially using this information. Shopping for the lowest cost auto insurance is simple if you know the tricks. But consumers must know how the larger insurance companies market insurance on the web and take advantage of how the system works.

Shop auto insurance online

Effectively comparing auto insurance prices can be exhausting if you don’t know the fastest way to get free quotes. You could waste a few hours talking about coverages with insurance agencies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

Many popular insurance companies belong to an insurance system that enables customers to only type in their quote data once, and each participating company returns a competitive quote based on the submitted data. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click here to open in new window.

One minor caviat to getting quotes like this is buyers cannot specifically choose the providers to receive prices from. So if you prefer to pick specific providers to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just do your best to use equivalent quote data for each quote you get. If you use different deductibles it will be impossible to decipher which rate is best. Slightly different coverage limits may result in large price differences. Keep in mind that having more price comparisons helps increase your odds of locating lower pricing. Not every company provides prices over the internet, so you also need to get rates from the smaller companies as well.

Lower rate quotes with discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to help bring down the price. Some of these disounts will be visible at the time you complete a quote, but a few must be asked about before you get the savings.

  • Claim-Free Discount – Good drivers with no accidents get the best auto insurance rates when compared with drivers with a long claim history.
  • Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings as much as 30%.
  • Discount for Low Mileage – Keeping the miles down on your Mercedes-Benz can earn better prices on cars that stay parked.
  • Good Student – Maintaining excellent grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
  • Homeowners Savings – Just being a homeowner can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • Save with a New Car – Putting insurance on a new car may earn a small discount compared to insuring an older model.
  • Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.

As a sidenote, some of the credits will not apply to all coverage premiums. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free auto insurance policy, it’s just not the way it works. But any discount will help reduce your policy premiums.

Larger auto insurance companies and a selection of discounts can be found below.

  • The Hartford may include discounts for defensive driver, air bag, driver training, vehicle fuel type, bundle, and good student.
  • American Family includes discounts for mySafetyValet, good driver, bundled insurance, multi-vehicle, and good student.
  • Progressive policyholders can earn discounts including good student, continuous coverage, homeowner, online signing, and online quote discount.
  • Travelers offers discounts including save driver, new car, early quote, IntelliDrive, and hybrid/electric vehicle.
  • Farmers Insurance discounts include distant student, multi-car, pay in full, early shopping, youthful driver, and bundle discounts.
  • USAA offers discounts for good student, vehicle storage, family discount, loyalty savings, and annual mileage.
  • Liberty Mutual has savings for hybrid vehicle, new vehicle discount, preferred payment discount, new graduate, good student, multi-policy, and newly retired.

It’s a good idea to ask each company which discounts you qualify for. Some discounts might not be offered in your area. If you would like to choose from a list of insurance companies with the best discounts, click here to view.

How to lower your insurance rates

One of the most helpful ways to save on car insurance is to to have a grasp of some of the factors that help determine the level of your policy premiums. If you understand what determines base rates, this enables you to make decisions that may reward you with much lower annual insurance costs. Multiple criteria are taken into consideration when pricing auto insurance. Most are fairly basic such as your driving history, but other factors are less apparent like your vehicle usage or your financial responsibility.

  • Stay claim-free and lower prices – If you are a frequent claim filer, you can look forward to either higher rates or even cancellation. Insurance companies award better rates to drivers who are not frequent claim filers. Your insurance policy is intended to be relied upon for claims that pose a financial burden.
  • Liability protection – The liability coverage on your policy will provide protection in the event that you are found liable for an accident. This coverage provides legal defense which can cost thousands of dollars. It is affordable coverage compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Lower car insurance rates with alarm systems – Owning a car that has a built-in theft deterrent system can help lower your rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft.
  • Insurance rates in urban areas – Residing in a small town may provide you with better prices if you are looking for the lowest rates. Fewer drivers translates into fewer accidents as well as less vandalism and auto theft. People in densly populated areas have to deal with traffic congestion and more time behind the wheel. More time commuting means higher likelihood of an accident.

What is the best insurance coverage?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no cookie cutter policy. Every situation is different.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • Is my 2017 Mercedes-Benz GLC-Class covered for flood damage?
  • Should I have a commercial auto policy?
  • When should I not file a claim?
  • Are rental cars covered under my policy?
  • How high should deductibles be on a 2017 Mercedes-Benz GLC-Class?
  • Where can I get insurance after a DUI in my state?
  • Does my 2017 Mercedes-Benz GLC-Class need full coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Be skeptical of insurance ads

Popular insurance providers such as 21st Century, Allstate and State Farm regularly use ads in print and on television. They all state the claim that people will save if you move your policy. How does every insurance company give you a better price?

All the different companies have specific criteria for the type of insured that will add to their bottom line. For instance, this type of risk profile should be a married male, is a homeowner, and chooses high deductibles. A propective insured that matches those criteria will qualify for the lowest car insurance rates and will also save a lot if they switch.

People who fall short of those standards will probably have to pay a more expensive rate and this results in the prospect going elsewhere. The ads state “customers who switch” not “all people who quote” save that much money. That is how companies can truthfully make the claims of big savings. This really emphasizes why it’s extremely important to get auto insurance quotes from several different companies. It is impossible to predict which company will fit your personal profile best.

Auto insurance coverage information

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverages – Collision insurance pays for damage to your GLC-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, colliding with another moving vehicle, rolling your car and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for immediate expenses for dental work, prosthetic devices, surgery, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverage – This provides protection from damage or injury you incur to other people or property by causing an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as legal defense fees, court costs, bail bonds and medical services. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, hitting a bird, damage from a tornado or hurricane, hitting a deer and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz GLC-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Have money to burn

When buying insurance coverage, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to buy the best coverage you can find at the lowest possible cost but still have enough coverage for asset protection.

Low-cost 2017 Mercedes-Benz GLC-Class insurance can be found from both online companies and from local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not provide online rate quotes and many times these regional insurance providers sell through independent agencies.

In this article, we covered quite a bit of information on how to lower your 2017 Mercedes-Benz GLC-Class insurance prices. The key concept to understand is the more providers you compare, the higher the chance of saving money. Drivers may discover the most savings is with some of the lesser-known companies.

Much more information about car insurance is available below: