2008 Mercedes-Benz CLS-Class Car Insurance Cost – 8 Ideas for Best Prices

Shoppers have a choice when shopping for the best price on Mercedes-Benz CLS-Class insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to make rate comparisons. There is a right way and a wrong way to shop for insurance and we’ll show you the quickest way to quote coverages for a new or used Mercedes-Benz and find the cheapest rates.

Smart consumers take time to price shop coverage yearly because prices change quite often. Despite the fact that you may have had the best rates for CLS-Class insurance six months ago you can probably find a better premium rate now. Ignore everything you know about insurance because we’re going to show you one of the best ways to save money, get proper coverage and the best rates.

If you have a current insurance coverage policy or need new coverage, you can use these tips to get lower rates while maintaining coverages. This information will familiarize you with the best way to quote coverages and some tips to save money. Vehicle owners only need an understanding of the proper methods to get comparison quotes online.

Finding auto insurance

There are multiple methods to compare auto insurance quotes, but one way is less labor-intensive and much quicker. You can spend countless hours talking to insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.

Most of the larger companies belong to a marketplace where insurance shoppers submit their information once, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote forms to each individual auto insurance company.

To participate in this free quote system, click here to start a free quote.

The only downside to comparing rates this way is buyers cannot specifically choose which companies you will receive quotes from. If you prefer to choose individual companies to compare rates, we put together a list of the cheapest auto insurance companies in your area. View list of insurance companies.

The method you choose is up to you, but double check that you are using identical coverage information for each comparison quote. If each company quotes different liability limits you can’t possibly make a fair rate comparison.

More affordable rates with these eight car insurance discounts

Car insurance can cost a lot, but there may be some discounts that can dramatically reduce your bill. Certain discounts will be applied at quote time, but a few must be asked about prior to getting the savings.

  • Use Seat Belts – Drivers who require all occupants to use a seat belt can save a little on the premium charged for medical payments and/or PIP.
  • Discounts for Federal Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for CLS-Class insurance with certain companies.
  • Sign Early and Save – Some car insurance companies give discounts for switching policies before your current policy expires. Ten percent is about the average savings.
  • Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
  • Memberships – Joining a civic or occupational organization can get you a small discount on car insurance.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
  • Drive Safe and Save – Accident-free drivers may save up to 50% more for CLS-Class insurance than drivers with accidents.
  • Military Discounts – Being deployed with a military unit could trigger a small discount.

It’s important to note that most of the big mark downs will not be given the the whole policy. The majority will only reduce the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, it doesn’t quite work that way.

A few popular companies and their offered discounts are included below.

  • GEICO discounts include good student, membership and employees, air bags, multi-vehicle, multi-policy, anti-theft, and military active duty.
  • SAFECO includes discounts for accident prevention training, teen safe driver, homeowner, teen safety rewards, safe driver, multi-car, and anti-theft.
  • State Farm policyholders can earn discounts including anti-theft, multiple autos, defensive driving training, accident-free, and student away at school.
  • MetLife has savings for good student, multi-policy, good driver, claim-free, and defensive driver.
  • 21st Century may offer discounts for good student, air bags, homeowners, automatic seat belts, and driver training.
  • Progressive offers discounts including multi-policy, online signing, good student, continuous coverage, homeowner, online quote discount, and multi-vehicle.

If you need lower rates, check with each company which discounts you may be entitled to. Depending on the company, some discounts might not be offered on policies in your state. To find insurers offering car insurance discounts, click this link.

Insurance coverage can get complicated

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Each situation is unique.

For instance, these questions might help in determining whether or not you might need an agent’s assistance.

  • Am I covered when pulling a rental trailer?
  • Which is better, split liability limits or combined limits?
  • Do I have coverage if my license is suspended?
  • Should I bundle my homeowners policy with my auto?
  • Do I need more liability coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is extra glass coverage worth it?
  • Are rental cars covered under my policy?
  • Do I need rental car coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Misconceptions in car insurance advertisements

Drivers can’t get away from all the ads that claim the best rates from companies such as Progressive, Allstate and GEICO. All the ads state the claim that people will save if you get a free insurance quote and switch your policy.

It sounds good, but how can they all charge you less for auto insurance? This is the way they can do it.

Companies have specific guidelines for the type of customer they prefer to insure. A good example of a preferred risk might have to be between 25 and 40, has a clear driving record, and the vehicle is rated for pleasure use. Anyone who fits that profile will get a cheap rate quote and will save when they switch companies.

Insureds who fall outside those standards must pay higher prices which translates to the customer buying from someone else. If you listen closely, the ads state “people that switch” but not “everyone who gets a quote” save money. This is how insurance companies can claim big savings. This really illustrates why you need to get a wide range of price quotes. It is impossible to predict which company will be your best fit.

Auto insurance coverages

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Collision insurance

This will pay to fix damage to your CLS-Class 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 coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, sustaining damage from a pot hole, hitting a mailbox and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Uninsured or underinsured 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. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CLS-Class.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Liability coverages

This provides protection from injuries or damage you cause to a person or their property in an accident. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

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. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims like legal defense fees, emergency aid and loss of income. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, damage from flooding, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for doctor visits, ambulance fees, chiropractic care, pain medications and EMT expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Shop smart and save

While you’re price shopping online, never sacrifice coverage to reduce premiums. In many cases, someone dropped liability coverage limits and learned later that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage at the best possible price, but do not sacrifice coverage to save money.

In this article, we presented many ways to compare 2008 Mercedes-Benz CLS-Class insurance premium rates online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding the cheapest insurance. You may even discover the lowest premium rates come from the least-expected company.

Some car insurance companies do not offer online rate quotes and most of the time these regional carriers provide coverage only through local independent agents. Lower-priced 2008 Mercedes-Benz CLS-Class insurance can be found online as well as from insurance agents, so you need to compare both to have the best selection.

Much more information about car insurance can be found on the following sites: