Lower Your 2003 Mercedes-Benz CLK-Class Car Insurance Quotes

Searching for lower insurance rates for your Mercedes-Benz CLK-Class? Did budget coverage turn out to be overpriced insurance? It’s quite common and you’re not the only one. There are many auto insurance companies to choose from, and even though it’s nice to have multiple companies, having more car insurance companies makes it harder to find the best rates for your vehicles.

You should make it a habit to compare premium rates on a regular basis because insurance rates change quite often. Even if you think you had the best premium rates for CLK-Class coverage on your last policy you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re going to learn the best methods to reduce your cost while increasing coverage.

Discounts to earn cheap insurance rates

Some insurance providers do not advertise all possible discounts in an easy-to-find place, so we break down both well-publicized and also the lesser-known credits available to bring down your rates.

Accident Forgiveness – Not necessarily a discount, but certain companies will let one accident slide without getting socked with a rate hike as long as you don’t have any claims for a set time period.
Safety Restraint Discount – Requiring all passengers to use their safety belts could save 15% off the medical payments premium.
Theft Deterent – Cars and trucks that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
Defensive Driver Discount – Passing a course in safe driver may get you a small discount and also improve your driving technique.
Smart Student Discounts – Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
Discount for Life Insurance – Larger insurance carriers have better premium rates if you take out some life insurance in addition to your auto policy.
Renewal Discounts – Select larger companies give a discount for signing up prior to the expiration date on your current policy. It can save you around 10%.
Drivers Education – Teen drivers should complete a driver education course in high school.
ABS Braking Discount – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
Distant Student Discount – Kids who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears you can get free auto insurance, nobody gets a free ride.

If you would like to see a list of insurance companies who offer cheap insurance quotes, click here.

How to buy car insurance online

Cutting your car insurance rates is a fairly straight forward process. Just invest a little time getting comparison quotes to find the company with the cheapest auto insurance quotes. This can be accomplished in just a few minutes using one of these methods.

The most efficient method consumers can make multiple comparisons is an all-inclusive rate comparison (click to open form in new window). This style of form saves time by eliminating separate forms for each company you want a rate for. In just a few minutes this one form will get you rate comparisons instantly.
A more time consuming way to analyze rates is to take the time to go to each individual company website to complete a price quote. For example, we’ll pretend you want comparison quotes from Progressive, Esurance and Travelers. To get each rate you have to spend time going to each site individually and type in your information over and over, which is why the first method is quicker.
For a list of companies in your area, click here.

The approach you take is up to you, just ensure you are comparing apples-to-apples coverage limits for each price quote. If you have differing limits then you won’t be able to decipher which rate is best.

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Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Each situation is unique so this has to be addressed. These are some specific questions could help you determine if your insurance needs could use an agent’s help.

How high should deductibles be on a 2003 Mercedes-Benz CLK-Class?
What is covered by UM/UIM coverage?
Am I covered when delivering products for my home-based business?
Does coverage extend to my business vehicle?
What discounts do I qualify for?
Do I need motorclub coverage?
Should I buy more coverage than the required minimum liability coverage?
If my pet gets injured in an accident are they covered?
Do I need an umbrella policy?
Should I carry comprehensive and collision coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance 101

Understanding the coverages of car insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the usual coverages found on most car insurance policies.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses such as X-ray expenses, nursing services, doctor visits and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as a broken windshield, hitting a bird and falling objects. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CLK-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Liability

Liability insurance can cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things such as loss of income, structural damage and medical expenses. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Collision protection

Collision insurance covers damage to your CLK-Class resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as rolling your car, scraping a guard rail, colliding with a tree, backing into a parked car and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

More comparisons equals lower rates

We just presented quite a bit of information on how to lower your 2003 Mercedes-Benz CLK-Class insurance prices. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the lowest prices come from some of the lesser-known companies. They may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate, GEICO and Progressive.

When buying insurance coverage, do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced uninsured motorist or liability limits to discover at claim time that it was a big error on their part. Your aim should be to get the best coverage possible at the lowest possible cost while still protecting your assets.

Low-cost 2003 Mercedes-Benz CLK-Class insurance is possible on the web and also from your neighborhood agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies do not offer online price quotes and many times these smaller companies provide coverage only through independent agents.

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