Compare 1999 Mercedes-Benz CLK-Class Insurance Rates

Want lower auto insurance rates for your Mercedes-Benz CLK-Class? Did you come to the realization that you have an overpriced auto insurance policy? Trust us when we tell you you’re not alone. Since you have so many different company options, it’s difficult to locate a more affordable company.

Consumers need to compare rates before your next renewal because prices tend to go up over time. Despite the fact that you may have had the lowest rates on CLK-Class coverage at your last renewal there may be better deals available now. You’ll find a ton of advice on auto insurance on the web, but in just a couple of minutes you can learn some good information on how to lower your auto insurance premiums.

Components of your Mercedes-Benz CLK-Class insurance premiums

Smart consumers have a good feel for the rating factors that aid in calculating the level of your policy premiums. If you know what determines base rates, this helps enable you to make changes that will entitle you to better insurance rates.

  • More annual miles equals more premium – The more miles you rack up on your Mercedes-Benz each year the higher the price you pay to insure it. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Cars and trucks that are left in the garage can be on a lower rate level than cars that get driven a lot. A policy that improperly rates your CLK-Class can cost quite a bit. Verify your insurance policy states the proper vehicle usage, because improper ratings can cost you money.
  • Responsible drivers pay better rates – A bad driving record can have a huge impact on auto insurance premiums. Drivers who don’t get tickets get better prices than people who have multiple driving citations. Having a single speeding ticket could increase your next policy renewal substantially. Drivers unfortunate enough to have severe violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state’s licensing department in order to legally drive a vehicle.
  • Incidental coverages you don’t need – Insurance policies have a lot of additional coverages that you can buy if you aren’t careful. Things like rental car coverage, high-cost glass coverage, and Farm Bureau memberships could be just wasting money. These coverages may sound good when deciding what coverages you need, but if they’re wasting money eliminate them to save money.
  • Optional features impact rates – Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Advanced theft deterrents such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help prevent car theft.
  • Save money with excellent credit – Having a bad credit history factor in calculating your premium rate. Drivers who have excellent credit tend to file fewer claims and have better driving records as compared to drivers with lower credit scores. Therefore, if your credit is not that good, you could pay less to insure your 1999 Mercedes-Benz CLK-Class by spending a little time repairing your credit.
  • Where you reside is a factor – Residing in smaller towns and rural areas of the country may provide you with better prices when buying insurance. People who live in big cities have more aggressive driving styles and longer commutes to work. Less people living in that area means less chance of accidents and a lower car theft rate.

Save money with these insurance coverage discounts

Some insurance providers don’t always list every available discount very clearly, so below is a list some of the more common in addition to some of the lesser obvious discounts you could be receiving when you buy insurance online.

  • Auto/Home Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you may earn approximately 10% to 15%.
  • Telematics Devices – Insureds who allow data collection to spy on driving patterns by using a telematics device such as Progressive’s Snapshot may see discounts if their driving habits are good.
  • Discount for Good Grades – Getting good grades can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Full Payment Discount – By paying your entire bill at once instead of monthly or quarterly installments you may have a lower total premium amount.

A quick disclaimer, most credits do not apply the the whole policy. Most only apply to individual premiums such as liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride.

To find insurance companies that provide some of the discounts listed above, click here to view.

Auto insurance can get complicated

When it comes to buying proper insurance coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions may help highlight whether or not you would benefit from professional advice.

  • What are the financial responsibility laws in my state?
  • Am I covered when driving someone else’s vehicle?
  • Is my 1999 Mercedes-Benz CLK-Class covered for flood damage?
  • Am I missing any policy discounts?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • How much liability insurance is required?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Car insurance 101

Learning about specific coverages of your policy can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by car insurance companies.

Medical costs insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like X-ray expenses, funeral costs and doctor visits. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Auto collision coverage

This coverage will pay to fix damage to your CLK-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like damaging your car on a curb, backing into a parked car, colliding with a tree and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability auto insurance

This can cover damage that occurs to other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like repair costs for stationary objects, structural damage, funeral expenses and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CLK-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a deer, theft and fire damage. The highest amount 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.

Coverage on a shoestring budget

In this article, we covered a lot of tips how to shop for 1999 Mercedes-Benz CLK-Class insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding affordable insurance. You may even discover the most savings is with a small local company. Smaller companies may have significantly lower prices on certain market segments compared to the large companies like State Farm, GEICO and Nationwide.

Cheaper insurance coverage is attainable from both online companies and from local insurance agents, so you should compare both to have the best rate selection. Some companies may not provide the ability to get quotes online and most of the time these smaller companies only sell through independent agencies.

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