View 2014 Mercedes-Benz CL-Class Insurance Rates

Trying to find better car insurance rates for your Mercedes-Benz CL-Class? Having to pay for expensive Mercedes-Benz CL-Class insurance can consume your checking account and put the squeeze on your family’s finances. Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare car insurance companies to find the best rate

It’s smart to get comparison quotes occasionally because car insurance rates change quite often. Despite the fact that you may have had the best deal on CL-Class coverage at your last renewal there may be better deals available now. Forget anything you know (or think you know) about car insurance because you’re about to learn the best methods to properly buy coverages while reducing your premium.

If you are insured now or are shopping for new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is not that difficult. Drivers only need to know the most efficient way to compare prices on the web.

Get affordable rates with these insurance discounts

Auto insurance companies don’t necessarily list all possible discounts very clearly, so the next list breaks down some of the more common as well as the least known credits available to lower your premiums when you buy auto insurance online.

  • Multiple Policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of up to 20% and get you the cheapest auto insurance.
  • Responsible Driver Discounts – Insureds without accidents can save up to 40% or more on their auto insurance quote on CL-Class coverage compared to rates paid by drivers with frequent claims.
  • Low Mileage – Driving less could qualify for lower insurancerates due to less chance of an accident.
  • Discounts for Government Workers – Having worked for a branch of the government can save as much as 8% on CL-Class coverage depending on your company.
  • Drivers Education – It’s a good idea to have your young drivers enroll and complete driver’s education if it’s offered in school.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a auto insurance quote.
  • Switch and Save Discount – A few companies allow discounts for buying a policy early. Ten percent is about the average savings.

Just know that most discount credits are not given to the entire cost. A few only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

A few companies that have some of the discounts shown above may include but are not limited to:

Double check with each company how you can save money. Discounts might not apply in your area. To locate insurers that offer discounts, click here.

Lower your insurance prices

It’s important that you understand the different types of things that go into determining car insurance rates. When you understand what controls the rates you pay, this helps enable you to make changes that can help you get lower premium levels. Many different elements are part of the equation when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are more obscure such as your credit history and annual miles driven.

The list below includes most of the major factors car insurance companies consider when setting prices.

  • Guys pay more for insurance coverage – Statistics demonstrate females are less aggressive when driving. It does not mean men are WORSE drivers than women. They both are responsible for accidents in similar percentages, but the men tend to have more serious accidents. Not only are claims higher, but men get ticketed for serious violations like driving under the influence (DUI).
  • Annual mileage and car insurance prices – The higher the miles on your Mercedes-Benz in a year’s time the higher your rates will be. Many insurance companies apply a rate determined by how the vehicle is used. Cars and trucks that sit idle most of the time cost less to insure compared to those used for work or business. It’s a good idea to make sure your declarations sheet reflects the correct usage for each vehicle, because it can save money. Incorrect rating for your CL-Class is throwing money out the window.
  • Getting married reduces risk – Getting married may earn you lower rates compared to being single. Having a spouse demonstrates that you tend to be less irresponsible and it’s statistically proven that married couples file fewer claims.
  • Physical damage deductibles are a factor – Physical damage deductibles define the amount you are required to pay if you file a covered claim. Coverage for physical damage, also called ‘full coverage’, protects your car from damage. A few examples of covered claims could be colliding with a stationary object, damage caused by hail, and damage caused by road hazards. The more of the claim you are required to pay out-of-pocket, the lower your rates will be on CL-Class coverage.

Insurance can get complicated

When it comes to choosing the right insurance coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that For instance, these questions can help discover whether you could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When do I need to add a new car to my policy?
  • When should I drop full coverage on my 2014 Mercedes-Benz CL-Class?
  • Do I need rental car coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • When should I buy a commercial auto policy?

If you can’t answer these questions but a few of them apply, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Switch companies and save? Really?

Consumers can’t get away from all the ads that promise big savings by companies like GEICO, State Farm and Progressive. They all make the same claim of big savings after switching your coverage.

It sounds good, but how can they all charge less that you’re paying now? Just pay attention to how they say it.

Insurance providers are able to cherry pick for the type of driver that earns them a profit. For example, a profitable customer might have to be over the age of 35, owns their home, and has a short commute. A propective insured that matches those criteria gets the lowest car insurance rates and will most likely save when switching.

Potential insureds who don’t meet this stringent profile will probably have to pay higher prices and ends up with the prospect going elsewhere. The wording the ads use say “drivers that switch” not “everyone who quotes” can save as much as they claim. That’s the way companies can truthfully lure you into getting a quote.

Each company has different criteria, so you really need to compare many company’s prices. Because you never know which auto insurance company will have the lowest rates.

Auto insurance coverages explained

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverages found on the average auto insurance policy.

Liability car insurance

This coverage can cover damage or injury you incur to other’s property or people. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like repair bills for other people’s vehicles, funeral expenses and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as driving through your garage door, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for immediate expenses such as doctor visits, surgery, nursing services, ambulance fees and hospital visits. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CL-Class.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, fire damage, hail damage and theft. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Better coverage you can count on

When shopping online for auto insurance, make sure you don’t buy less coverage just to save a little money. There are many occasions where consumers will sacrifice collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to buy a smart amount of coverage at a price you can afford and still be able to protect your assets.

Throughout this article, we presented a lot of techniques to save on 2014 Mercedes-Benz CL-Class insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding the cheapest auto insurance. You may even discover the most savings is with some of the smallest insurance companies. They may only write in your state and offer lower premium rates as compared to the big name companies such as Allstate, GEICO and Progressive.

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