2006 Mercedes-Benz CLS-Class Insurance Quotes

Want lower car insurance rates for your Mercedes-Benz CLS-Class? Are you a victim of an expensive car insurance policy? Trust us when we tell you you’re not the only one.

Insurance companies such as State Farm, GEICO and Farmers Insurance promote their brand names with catchy ads and consumers find it hard to separate fact from fiction and effectively compare rates to find the best deal.

It’s smart to price shop coverage as often as possible due to the fact that insurance prices go up and down regularly. Just because you had the lowest price for CLS-Class coverage on your last policy you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate how to use the internet to find great coverage at a great price.

How to buy insurance online

To find the best insurance quotes, there are several ways of comparing rate quotes from all the different companies. The easiest way to find affordable Mercedes-Benz CLS-Class insurance rates is to jump online and get quotes. This is very easy and can be done in several different ways.

  • The most efficient method consumers can analyze rates is a comparison rater form (click to open form in new window). This form keeps you from doing separate quotes for every prospective company. One form submission compares rates from many national carriers.
  • A slightly less efficient method to compare rate quotes is spending the time to visit each company’s website and get a separate price quote. For examples sake, we’ll pretend you want to compare prices for Auto-Owners, Esurance and State Farm. In order to get each rate, you would have to visit each site to enter your coverage information, which is why first method is reommended.

    For a handy list of car insurance company links in your area, click here.

  • The least efficient way to compare price quotes to and from local insurance agencies. The ability to get quotes online has made agencies unnecessary unless your situation requires the professional guidance that can only be provided by a licensed insurance agent. Although, it is possible price shop your coverage online and get advice from an agent in your area.

The approach you take is up to you, just try to keep exactly the same coverage limits on every price quote you get. If you have different limits and deductibles on each one then you won’t be able to make a fair comparison for your Mercedes-Benz CLS-Class. Even a minor difference in insurance coverages could throw off the whole comparison. Keep in mind that comparing all the rates in your area helps improve the odds of finding the best price.

Do you qualify for discounts?

Insurance can be prohibitively expensive, but there may be some discounts to help bring down the price. Most are applied when you purchase, but less common discounts must be specifically requested prior to receiving the credit.

  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.
  • Low Mileage Discounts – Maintaining low annual mileage may allow you to get lower rates on the low mileage vehicles.
  • Seat Belts Save – Requiring all passengers to use their safety belts could save 15% on the premium charged for medical payments and/or PIP.
  • Distant Student – who live away from home to go to college and do not take a car to college may be able to be covered for less.
  • Renewal Discounts – Select companies give a discount for switching to them before your current policy expires. The savings is around 10%.

Please keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

Popular car insurance companies and their offered discounts can be read below.

  • State Farm discounts include student away at school, anti-theft, driver’s education, safe vehicle, accident-free, multiple policy, and good student.
  • GEICO offers discounts including driver training, membership and employees, air bags, federal employee, anti-theft, and defensive driver.
  • Progressive offers discounts for good student, multi-policy, online signing, continuous coverage, online quote discount, multi-vehicle, and homeowner.
  • 21st Century has discounts for anti-lock brakes, defensive driver, automatic seat belts, air bags, teen driver, 55 and older, and student driver.
  • American Family includes discounts for accident-free, good student, multi-vehicle, bundled insurance, and good driver.
  • The Hartford may offer discounts for defensive driver, bundle, anti-theft, good student, driver training, and air bag.
  • AAA policyholders can earn discounts including anti-theft, education and occupation, pay-in-full, multi-policy, good student, and good driver.

If you need affordable insurance quotes, ask each company to apply every possible discount. A few discounts may not apply in your area. To find insurance companies with discount rates, click this link.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing coverage, there is no single plan that fits everyone. Every situation is different so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Are rental cars covered under my policy?
  • Does my insurance cover a custom paint job?
  • Can I make deliveries for my home business?
  • Who is covered when they drive my 2006 Mercedes-Benz CLS-Class?
  • Is my teenager covered with friends in the car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What can I do if my company won’t pay a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of car insurance companies in your area.

Mercedes-Benz CLS-Class insurance rate factors

Many factors are used in the calculation when premium rates are determined. Some of the criteria are obvious such as your driving history, but other factors are not quite as obvious like your continuous coverage or your financial responsibility.

  • Raise deductibles and save – Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers your vehicle from damage. Some instances where coverage would apply would be a broken windshield, vandalism, and windstorm damage. Your deductibles are how much you are willing to pay if a claim is determined to be covered. The more you pay before a claim is paid (deductible), the lower your rates will be for CLS-Class coverage.
  • Cheaper rates after marriage – Having a spouse can actually save you money when buying insurance. It translates into being more stable financially it has been statistically shown that married drivers tend to have fewer serious accidents.
  • Compare rates if you bundle your policies – Most insurance companies provide a discount to policyholders that have more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. If you currently are using one company, it’s still a good idea to compare other insurance prices to verify if the discount is saving money. It’s possible to still find better rates by insuring with multiple companies.
  • Always keep your coverage in force – Having a lapse in insurance coverage is a fast way to trigger a rate increase. Not only will you pay more, failure to provide proof of insurance could earn you a steep fine or even jail time. You will then be forced to file a SR-22 with your state motor vehicle department.

Learn about insurance coverages for a 2006 Mercedes-Benz CLS-Class

Having a good grasp of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like colliding with another moving vehicle, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability car insurance

Liability insurance will cover damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which stand for $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 insurance covers things such as bail bonds, medical services and court costs. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like prosthetic devices, EMT expenses and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, theft, rock chips in glass, falling objects and fire damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage on a shoestring budget

When you buy insurance online, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced collision coverage only to discover later that it was a big mistake. Your goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

Discount 2006 Mercedes-Benz CLS-Class insurance can be purchased online as well as from independent agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer rates over the internet and usually these regional carriers provide coverage only through local independent agencies.

Additional detailed information is available by following these links: