1999 Mercedes-Benz CL-Class Car Insurance Rates

Looking for better insurance rates? Shoppers have many options when shopping for affordable Mercedes-Benz CL-Class insurance. You can either spend your time struggling with agents getting price quotes or utilize the internet to get rate quotes.

There is a right way and a wrong way to buy insurance and we’ll show you the best way to get price quotes for a Mercedes-Benz and obtain the lowest possible price.

Free car insurance rate quotes

There are a lot of ways to shop for car insurance, but there is one way that is less labor-intensive and much quicker. You can spend your afternoon discussing policy coverages with local insurance agents in your area, or you could use online quotes to get the quickest rates.

Many companies participate in an industry program that enables customers to enter their coverage request one time, and each participating company can give them a price based on that data. This prevents consumers from doing repetitive form submissions for every car insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The single downside to using this type of system is that you can’t choose which insurance companies you want to price. If you prefer to choose from a list of companies to compare prices, we have a listing of the cheapest car insurance companies in your area. Click to view list.

How you compare quotes is your choice, just make sure you use the same deductibles and coverage limits for every company. If the quotes have different liability limits then you won’t be able to make a fair comparison for your Mercedes-Benz CL-Class.

Beware of misleading insurance coverage ads

Consumers can’t get away from all the ads for the lowest price insurance coverage from companies such as State Farm and Allstate. All the ads convey the message of big savings if you switch your policy.

How can each company charge lower premium rates? This is the way they can do it.

All companies have underwriting criteria for the type of customer that will add to their bottom line. For example, a profitable risk profile could be between the ages of 30 and 50, is a homeowner, and drives a car with an anti-theft system. Someone who matches those parameters receive the lowest rate quotes and have a good chance to pay quite a bit less when switching companies.

Insureds who don’t measure up to the ideal profile must pay more expensive rates with the end result being business not being written. If you pay attention, the ads say “people who switch” not “everybody who quotes” save the amount stated. This is how insurance companies can advertise the way they do.

This illustrates why you should quote coverage with many companies. It is just not possible to predict the company that will have the lowest prices for your situation.

Are you qualifying for every discount?

Some companies don’t always list every discount they offer very clearly, so here is a list a few of the more common and the more hidden auto insurance savings.

  • Federal Employees – Active or retired federal employment could provide a small rate reduction for CL-Class coverage with some auto insurance companies.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Mercedes-Benz may enable drivers to earn substantially lower rates.
  • Organization Discounts – Joining qualifying clubs or civic groups could qualify you for a break on your next auto insurance statement.
  • Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts can receive discounts up to 30%.

It’s important to understand that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, that’s just not realistic. But any discount will positively reduce the premium cost.

Large auto insurance companies and some of their more popular discounts are outlined below.

  • American Family may have discounts that include early bird, TimeAway discount, bundled insurance, mySafetyValet, air bags, accident-free, and defensive driver.
  • State Farm discounts include good driver, anti-theft, student away at school, Steer Clear safe driver discount, defensive driving training, and safe vehicle.
  • 21st Century offers discounts including homeowners, teen driver, good student, student driver, automatic seat belts, and early bird.
  • Travelers includes discounts for multi-policy, student away at school, home ownership, IntelliDrive, payment discounts, new car, and save driver.
  • GEICO has discounts for driver training, five-year accident-free, emergency military deployment, anti-theft, anti-lock brakes, federal employee, and multi-vehicle.

If you need affordable insurance coverage quotes, ask every prospective company which credits you are entitled to. Some of the earlier mentioned discounts may not apply in your area. To locate insurers offering auto insurance discounts, click here.

When in doubt talk to an agent

When it comes to buying the best insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

For instance, these questions might help in determining if you could use an agent’s help.

  • I have a DUI can I still get coverage?
  • When can I cancel my policy?
  • How can I find cheaper teen driver insurance?
  • Is my 1999 Mercedes-Benz CL-Class covered for flood damage?
  • Am I covered when driving in Canada or Mexico?
  • Are rock chip repairs covered?
  • What is UM/UIM insurance?
  • Which is better, split liability limits or combined limits?
  • Should I drop comprehensive coverage on older vehicles?

If you can’t answer these questions then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills for pain medications, X-ray expenses, dental work, nursing services and ambulance fees. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision – This will pay to fix damage to your CL-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, sustaining damage from a pot hole and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Liability – This will cover injuries or damage you cause to a person or their property. This coverage protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like legal defense fees, loss of income, court costs, repair bills for other people’s vehicles and structural damage. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, vandalism and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Be a penny pincher

We just presented many ideas to shop for 1999 Mercedes-Benz CL-Class insurance online. The most important thing to understand is the more you quote insurance coverage, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from a small local company.

Consumers change insurance companies for a variety of reasons including questionable increases in premium, unfair underwriting practices, not issuing a premium refund or being labeled a high risk driver. Whatever your reason, finding a new company is actually quite simple.

Cost effective 1999 Mercedes-Benz CL-Class insurance can be sourced from both online companies in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not offer internet price quotes and most of the time these smaller providers only sell coverage through independent agents.

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