Compare 2000 Mercedes-Benz CLK-Class Insurance Rates

Want the cheapest car insurance rates for your Mercedes-Benz CLK-Class? Do you get exhausted from not being able to scrape enough together to buy car insurance? You have the same problem as many other drivers. Big-name insurance companies like Progressive, State Farm and GEICO all promote huge savings with fancy advertisements and it is difficult to not get sucked in by the cute commercials and do the work needed to find the best deal.

These discounts can lower your insurance quotes

Insurance can be pricey, but discounts can save money and there are some available to help offset the cost. Many discounts should be triggered when you get a quote, but less common discounts must be specifically requested in order for you to get them.

  • Organization Discounts – Belonging to a civic or occupational organization may earn a discount on your bill.
  • Homeowners Savings – Being a homeowner may trigger a policy discount on insurance due to the fact that maintaining a home is proof that your finances are in order.
  • More Vehicles More Savings – Buying insurance for primary and secondary vehicles on the same insurance policy can reduce the rates for all insured vehicles.
  • Save with a New Car – Insuring a new car is cheaper due to better safety requirements for new vehicles.
  • Federal Government Employee – Federal government employees could provide a small rate reduction for CLK-Class coverage with certain companies.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying in monthly installments you can avoid the installment charge.
  • Auto/Life Discount – Not all insurance companies offer life insurance, but some may give you better rates if you take out life insurance from them.
  • Discount for Low Mileage – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
  • Distant Student – who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
  • Discounts for Safe Drivers – Insureds who avoid accidents may receive a discount up to 45% for CLK-Class coverage compared to accident prone drivers.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

Companies that possibly offer these benefits include:

If you are trying to find the cheapest auto insurance quotes, ask all the companies which discounts you qualify for. Some of the discounts discussed earlier may not apply to policyholders everywhere. For a list of insurance companies that offer multiple discounts, follow this link.

Components of your Mercedes-Benz CLK-Class insurance costs

Smart consumers have a good feel for the different types of things that play a part in calculating auto insurance rates. If you understand what controls the rates you pay, this allows you to make good choices that could help you find lower rates. Lots of factors are considered when pricing auto insurance. Most are fairly basic like a motor vehicle report, but some are less apparent such as your marital status or your vehicle rating.

  • Stay claim-free and save – Auto insurance companies provide lower rates to people who do not file claims often. If you are the type of insured that files lots of claims you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is designed for the bigger claims that can’t be paid out-of-pocket.
  • Defend yourself with liability protection – The liability section of your policy will provide protection if ever you are responsible for causing personal injury or damage in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. This coverage is very inexpensive compared to other policy coverages, so do not skimp.
  • Cut prices and deter theft – Owning a car with a theft deterrent system can save you some money. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all hinder auto theft and help lower rates.
  • Tickets are costly – Good drivers pay lower auto insurance prices than people who have multiple driving citations. Having just one ticket may increase your cost to the point where it’s not affordable. Drivers unfortunate enough to have severe citations such as reckless driving or DUI may face state-mandated requirements to maintain a SR-22 with their state motor vehicle department in order to continue driving.
  • Remove unneeded extra coverages – There are a ton of additional coverages that sound like a good idea at the time when buying auto insurance. Insurance for things like vanishing deductibles, death and dismemberment, and extra life insurance coverage are some examples. These may sound like a good investment when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.
  • Big cities have higher premiums – Having an address in smaller towns and rural areas of the country is a positive aspect if you are looking for the lowest rates. Fewer drivers means less chance of accidents. Urban drivers have more road rage incidents and longer commutes to work. Higher commute times means a statistically higher chance of an accident.

Different people need different insurance coverages

When buying adequate coverage, there is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance should reflect that Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.

  • Where can I find high-risk insurance?
  • Am I covered when using my vehicle for business?
  • What is no-fault insurance?
  • Is upholstery damage covered by car insurance?
  • Are all vehicle passengers covered by medical payments coverage?
  • Do I need rental car coverage?
  • Do I need more liability coverage?
  • Does my personal policy cover me when driving out-of-state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of insurance companies in your area. It is quick, free and you can get the answers you need.

Ads can be misleading

Consumers can’t avoid all the ads that claim the cheapest prices from the likes of Progressive, Allstate and GEICO. All the companies make the same claim that drivers will save a bundle if you change your policy.

How can each company claim to save you money?

Insurance coverage companies give the best rates for the type of customer that will generate a profit. A good example of a preferred risk might have to be between 25 and 40, has a clean driving record, and chooses high deductibles. A customer who fits those characteristics receive the lowest rate quotes and therefore will save quite a bit of money when switching.

Potential insureds who do not fit the ideal profile will probably have to pay higher prices and this results in the prospect going elsewhere. The ads say “people who switch” but not “everyone who gets a quote” save money. That is how companies can truthfully make claims like that. That is why you should compare many company’s prices. It is just not possible to predict with any certainty which company will have the best premium rates for your profile.

Specific coverage details

Having a good grasp of a auto insurance policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your 2000 Mercedes-Benz CLK-Class.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims such as driving through your garage door, colliding with another moving vehicle, crashing into a building, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Auto liability insurance

Liability insurance protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as loss of income, funeral expenses and emergency aid. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for nursing services, rehabilitation expenses, doctor visits and pain medications. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

In the end, you save

A few companies may not offer online rate quotes smaller providers prefer to sell through independent agencies. Budget-conscious 2000 Mercedes-Benz CLK-Class insurance is available on the web as well as from independent agents, and you need to comparison shop both to get a complete price analysis.

When trying to cut insurance costs, it’s a bad idea to skimp on coverage in order to save money. Too many times, someone dropped physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The goal is to find the BEST coverage at the lowest possible cost but still have enough coverage for asset protection.

In this article, we presented a lot of information how to compare 2000 Mercedes-Benz CLK-Class insurance rates online. It’s most important to understand that the more providers you compare, the better your chances of lowering your auto insurance rates. Consumers may even find the lowest rates are with some of the lesser-known companies. Some small companies may only write in your state and offer lower auto insurance rates as compared to the big name companies such as Allstate, GEICO and Progressive.

Much more information about car insurance is located below: