2012 Mercedes-Benz CLS-Class Insurance Rates – 6 Tips to Save

Searching for lower insurance coverage rates for your Mercedes-Benz CLS-Class? Do you think you bought an overpriced insurance coverage policy? Don’t feel bad because you’re not alone. Insurance companies such as Progressive, State Farm and GEICO constantly bombard you with ad campaigns and consumers find it hard to see through the deception and do the work needed to find the best deal.

If you have insurance now or are looking for a new policy, you will benefit by learning to reduce the price you pay and still get good coverage. Finding affordable coverage is not rocket science. Drivers just need to understand how to compare prices on the web.

These six discounts can lower your auto insurance quotes

Companies do not advertise every discount in a way that’s easy to find, so we researched both the well known and also the lesser-known ways to save on auto insurance. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

  • No Claim Discounts – Good drivers with no accidents pay less when compared to drivers who are more careless.
  • No Charge for an Accident – Not a discount per se, but a few companies such as Liberty Mutual and GEICO will let one accident slide without the usual rate increase if you have no claims for a certain period of time.
  • Drive Safe and Save – Accident-free drivers can save as much as half off their rates on CLS-Class coverage compared to rates paid by drivers with frequent claims.
  • Senior Discount – Mature drivers can possibly qualify for a small discount on rates on CLS-Class coverage.
  • Discount for Home Ownership – Owning a house may trigger a policy discount on auto insurance because maintaining a house demonstrates responsibility.
  • Onboard Data Collection – People who choose to allow their company to track driving habits by installing a telematics device like Allstate’s Drivewise could save a few bucks as long as the data is positive.

Discounts save money, but please remember that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you could get a free auto insurance policy, you won’t be that lucky. But any discount will positively reduce your policy premium.

Popular auto insurance companies and a summarized list of policyholder discounts are shown below.

  • The Hartford may include discounts for good student, driver training, bundle, anti-theft, and vehicle fuel type.
  • American Family offers discounts for bundled insurance, TimeAway discount, defensive driver, air bags, good driver, accident-free, and good student.
  • Progressive may have discounts that include continuous coverage, online signing, multi-policy, good student, online quote discount, and homeowner.
  • Travelers has discounts for home ownership, multi-policy, hybrid/electric vehicle, student away at school, new car, early quote, and save driver.
  • Farmers Insurance offers premium reductions for switch companies, mature driver, business and professional, distant student, good student, teen driver, and pay in full.
  • USAA offers discounts including good student, multi-policy, family discount, military installation, and safe driver.
  • Liberty Mutual includes discounts for preferred payment discount, new move discount, multi-policy, new graduate, and multi-car.

If you need inexpensive auto insurance quotes, ask every insurance company to apply every possible discount. A few discounts might not apply in every state.

Different people need different insurance coverages

When choosing adequate coverage for your personal vehicles, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Should I waive the damage coverage when renting a car?
  • Does my policy cover me when driving someone else’s vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • When should I not file a claim?
  • Am I missing any policy discounts?
  • When can I cancel my policy?
  • How can I get my company to pay me more for my totalled car?
  • Does my medical payments coverage pay my health insurance deductible?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Auto insurance coverage information

Learning about specific coverages of a car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average car insurance policy.

Auto liability insurance

This coverage can cover damage that occurs to a person or their property. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as court costs, loss of income, repair costs for stationary objects, medical services and emergency aid. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CLS-Class.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like vandalism, damage from a tornado or hurricane and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage pays for damage to your CLS-Class resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as sideswiping another vehicle, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like surgery, X-ray expenses, nursing services and dental work. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Get your money’s worth

As you prepare to switch companies, you should never reduce coverage to reduce premium. There are too many instances where someone dropped full coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at an affordable rate, but do not sacrifice coverage to save money.

Lower-priced 2012 Mercedes-Benz CLS-Class insurance can be bought on the web in addition to many insurance agents, so you need to quote auto insurance with both to have the best selection. Some insurance companies don’t offer online price quotes and these smaller providers work with independent agents.

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