How Much Does 2012 Mercedes-Benz CL-Class Insurance Cost?

Are you drained from sacrificing other expenses to keep your car insured? Your situation is no different than most other drivers.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with TV and radio ads and it can be hard to see through the deception and find the best price available.

Cheaper insurance coverage rates with discounts

Car insurance is not cheap, but you can get discounts that can help lower your rates. Some discounts will apply when you complete an application, but lesser-known reductions have to be inquired about prior to receiving the credit.

  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen so companies will give you a small discount.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on CL-Class coverage depending on your insurance coverage provider.
  • Military Rewards – Being on active deployment in the military could mean lower rates.
  • Auto/Home Discount – If you combine your auto and homeowners policies with one insurance company they may give you a discount of at least 10 to 15 percent or more.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower rates due to less chance of an accident.
  • Telematics Devices – Policyholders that allow data collection to study driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may get a rate reduction if they show good driving skills.
  • E-sign Discounts – A handful of insurance coverage companies will give you a small discount for completing your application on their website.

One thing to note about discounts is that many deductions do not apply to the entire cost. Most only cut individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, that’s just not realistic.

Popular insurance coverage companies and their possible discounts are outlined below.

  • GEICO may offer discounts for emergency military deployment, five-year accident-free, defensive driver, membership and employees, driver training, and anti-theft.
  • Auto-Owners Insurance offers premium reductions for multi-policy, teen driver, air bags, safe vehicle, good student, company car, and anti-lock brakes.
  • American Family policyholders can earn discounts including bundled insurance, mySafetyValet, good driver, early bird, multi-vehicle, and accident-free.
  • Esurance may include discounts for online shopper, anti-theft, DriveSense, multi-policy, multi-car, safety device, and homeowner.
  • Progressive has savings for good student, multi-vehicle, online quote discount, continuous coverage, homeowner, and multi-policy.
  • State Farm includes discounts for good student, good driver, anti-theft, accident-free, and safe vehicle.
  • AAA offers discounts for good driver, education and occupation, good student, AAA membership discount, and anti-theft.

If you need lower rates, check with each company how many discounts you can get. Discounts may not be offered in your area.

How to compare car insurance quotes

When comparison shopping, there are several ways to compare rate quotes from many car insurance companies in your state. The best method to find the lowest 2012 Mercedes-Benz CL-Class rates is to use the internet to compare rates. This is quite simple and can be completed using a couple different methods.

  1. The most efficient method consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This quick form keeps you from doing repetitive form entry for each company you want a rate for. A single, simple form gets rate comparisons instantly.
  2. A more difficult way to compare rate quotes consists of going to the website for each individual company to complete a price quote. For sake of this example, let’s say you want comparison quotes from Nationwide, 21st Century and Progressive. In order to get each rate, you would have to go to every website and punch in your information repeatedly, which can take a lot of time.

    To view a list of companies in your area, click here.

Take whichever approach you prefer, but do your best to enter exactly the same information on every price quote you get. If each company quotes unequal deductibles or liability limits you can’t possibly make a fair comparison for your Mercedes-Benz CL-Class. Having just a slight variation in insurance coverages or limits may cause a big price difference. And when quoting car insurance, remember that comparing more rates from different companies will improve the odds of getting a lower rate.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there isn’t really a “best” method to buy coverage. Every situation is different so your insurance should reflect that For instance, these questions may help highlight whether or not you would benefit from professional advice.

  • What is an SR-22 filing?
  • What exactly is covered by my policy?
  • Do all my vehicles need collision coverage?
  • What is roadside assistance coverage?
  • Can my teen drive my company car?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • When do I need to add a new car to my policy?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance policy coverages for a 2012 Mercedes-Benz CL-Class

Knowing the specifics of your auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverages offered by auto insurance companies.

Coverage for collisions

This pays for damage to your CL-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, backing into a parked car, scraping a guard rail, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, pain medications and chiropractic care. They can be utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like falling objects, vandalism and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers claims such as pain and suffering, loss of income, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Protection from uninsured/underinsured drivers

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz CL-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Get your money’s worth

As you prepare to switch companies, it’s not a good idea to sacrifice coverage to reduce premiums. There are too many instances where consumers will sacrifice full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to buy the best coverage you can find at the best cost while still protecting your assets.

Affordable 2012 Mercedes-Benz CL-Class insurance is attainable from both online companies and from local agencies, and you should compare rates from both to have the best rate selection. Some insurance companies do not provide rate quotes online and usually these regional carriers only sell coverage through independent agents.

More detailed auto insurance information can be read by following these links: