Lower Your 2007 Mercedes-Benz CLK-Class Insurance Rates

Searching for better insurance coverage rates for your Mercedes-Benz CLK-Class? Locating better insurance prices for your Mercedes-Benz CLK-Class can normally be a painful process, but you can learn a few tricks to find lower rates. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the best way to get price quotes for a new or used Mercedes-Benz and find the best price possible either online or from local insurance agents.

Smart consumers take time to get comparison quotes every six months due to the fact that insurance rates are constantly changing. If you had the best deal for CLK-Class coverage last year the chances are good that you can find a lower price today. Forget anything you know (or think you know) about insurance coverage because you’re going to get a crash course in the best methods to save on insurance coverage.

Affordable insurance quotes online

Reducing your 2007 Mercedes-Benz CLK-Class insurance rates is an easy way to save money. You just need to spend a few minutes on the computer comparing price quotes provided by online insurance companies. It’s really simple and can be done using a couple different methods.

One of the fastest ways to find low rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for separate quotes to each individual insurance company. Just one form gets you price quotes direct from many companies. It’s definitely the quickest method.

A less efficient way to get quotes online requires you to visit each company website and repeat the quote process again and again. For example, we’ll pretend you want to compare rates from Liberty Mutual, GEICO and American Family. To find out each rate you need to spend time going to each site individually to enter the same coverage data repeatedly, which is why most consumers use the first method.

For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make sure you use identical coverages for every quote you compare. If you use differing limits you will not be able to determine the lowest rate for your Mercedes-Benz CLK-Class.

Discounts for affordable auto insurance quotes

Auto insurance is not inexpensive, but there could be significant discounts that can dramatically reduce your bill. Some trigger automatically when you get a quote, but once in a while a discount must be manually applied prior to getting the savings. If you do not double check each discount possible, you’re just leaving money on the table.

  • Own a Home and Save – Owning a home may earn you a small savings because owning a home means you have a higher level of financial diligence.
  • Paper-free Discount – A few larger companies provide a small discount for signing up on your computer.
  • Bundle and Save – If you combine your auto and homeowners policies and insure them with the same company you could save at least 10% off all policies.
  • Early Signing – A few insurance companies allow discounts for renewing your policy before your current expiration date. You can save around 10% with this discount.
  • Telematics Data – Policyholders that allow data collection to spy on vehicle usage by using a telematic data system such as Progressive’s Snapshot might get better premium rates as long as the data is positive.
  • Driver’s Education for Students – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. If you do the math and it seems like you could get a free auto insurance policy, you’re out of luck.

Some companies who may offer these discounts include:

If you want inexpensive car insurance quotes, ask every prospective company what discounts are available to you. All car insurance discounts may not apply in every state. To view insurance companies that offer the discounts shown above, click here to view.

Why you might pay inflated rates

One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that aid in calculating your policy premiums. When you know what positively or negatively controls the rates you pay, this enables informed choices that can earn you cheaper rates. Lots of things are taken into consideration when pricing auto insurance. Some are obvious such as traffic violations, but others are not as apparent like where you live or how safe your car is.

  • Increase coverage deductibles and save – Comp and collision deductibles define the amount you are required to pay if a covered claim is submitted. Physical damage insurance, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. Some coverage claims are rearending another vehicle, vandalism, and damage caused by road hazards. The higher the amount the insured has to pay upfront, the less money you will pay for car insurance for CLK-Class coverage.
  • Never let your car insurance policy lapse – Driving without insurance coverage in place can get you a ticket and your next policy will cost more because you let your coverage lapse. In addition to paying higher premiums, getting caught without coverage could result in fines or a revoked license. You may have to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Younger drivers cost more – More experienced drivers are viewed as being more responsible, statistically cause fewer accidents .Teen drivers have a tendency to be careless and easily distracted when driving with friends therefore car insurance rates are much higher.
  • Driving citations increase premiums – Attentive drivers get better prices as compared to those with violations. Even one driving citation could increase your next policy renewal to the point where it’s not affordable. Drivers who have received multiple violations such as reckless driving or DUI may need to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to continue driving.
  • Your job can affect prices – Do you work in a high-stress field? Occupations like judges, executives and financial analysts tend to pay the highest rates due to high stress and lengthy work days. On the flip side, careers like scientists, historians and homemakers have lower than average premiums for CLK-Class coverage.
  • City traffic equals higher prices – Having an address in smaller towns and rural areas of the country is a good thing when talking about car insurance. Less people means fewer accidents. People who live in big cities regularly have more traffic problems and longer commute times. More time behind the wheel translates into higher accident risk.
  • Annual mileage impacts prices – The more you drive your Mercedes-Benz each year the higher your rates will be. Almost all companies apply a rate based on how the vehicle is used. Cars that do not get driven very much receive better premium rates as compared to vehicles used primarily for driving to work. Having an incorrect usage rating on your CLK-Class is throwing money out the window. Ask your agent if your policy shows how each vehicle is driven, because it can save money.
  • Guys pay more for insurance – Over the last 50 years, statistics have shown that females take fewer risks when driving. The data does not necessarily mean that women are BETTER drivers than men. Men and women have at-fault accidents at about the same rate, but men tend to have higher claims. In addition to higher claims, males also get cited for more serious violations like DUI and reckless driving. Male teenagers are several times more likely to be in an accident so it costs more to insure them.

You may need specialized car insurance coverage

When buying the best car insurance coverage for your vehicles, there really is no cookie cutter policy. Everyone’s needs are different.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Is my ex-spouse still covered by my policy?
  • When can I cancel my policy?
  • Why do I only qualify for high-risk insurance?
  • Should I put collision coverage on all my vehicles?
  • Do I need to file an SR-22 for a DUI in my state?
  • Does car insurance cover theft of personal property?
  • Is my 2007 Mercedes-Benz CLK-Class covered for flood damage?
  • Should I waive the damage coverage when renting a car?
  • How much liability insurance is required?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads for the lowest price insurance coverage from the likes of State Farm, GEICO and Progressive. All the ads have a common claim about how much you will save just by switching your policy.

How do they all charge less that you’re paying now? You have to listen carefully.

All the different companies have a certain “appetite” for the right customer that will not have excessive claims. For example, this type of risk profile might be married and over the age of 30, has a clear driving record, and drives a lower-performance vehicle. Any person that meets those criteria is entitled to the best price and will most likely save money with a new company.

Insureds who do not match these criteria may receive higher prices and this results in the customer buying from a different company. If you pay close attention to the ads, they say “customers who switch” but not “everyone who gets a quote” save that much when switching. This is how insurance companies can make the claims of big savings. This emphasizes why drivers must quote coverage with many companies. It is impossible to predict the company that will fit you best based on your risk profile.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and coverage can change by endorsement.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for immediate expenses for prosthetic devices, nursing services and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your CLK-Class resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, rolling your car, backing into a parked car, crashing into a building and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Liability auto insurance – This protects you from injuries or damage you cause to other people or property that is your fault. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, court costs, loss of income, legal defense fees and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, vandalism and damage from getting keyed. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay 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, their limits can quickly be used up. So UM/UIM coverage is very important.

Saving money makes a lot of cents

We covered a lot of techniques to reduce 2007 Mercedes-Benz CLK-Class insurance premium rates online. It’s most important to understand that the more companies you get prices for, the more likely it is that you will get a better rate. You may even discover the lowest premium rates come from a lesser-known regional company.

People leave their current company for a number of reasons such as not issuing a premium refund, questionable increases in premium, high prices and policy cancellation. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

A few companies do not provide online price quotes and many times these regional insurance providers prefer to sell through independent agents. Low-cost 2007 Mercedes-Benz CLK-Class insurance can be bought both online and also from your neighborhood agents, and you should be comparing both to have the best rate selection.

Additional car insurance information can be found at the links below