Compare 2014 Mercedes-Benz CLA-Class Insurance Rates

Consumers have options when looking for affordable Mercedes-Benz CLA-Class insurance. You can either spend your time driving around to get rate comparisons or leverage the internet to get rate quotes. There are both good and bad ways to compare insurance coverage rates so you’re going to learn the absolute fastest way to compare rates for a Mercedes-Benz and get the lowest possible price either online or from local insurance agents.

How to lower your insurance cost

Finding a lower price on 2014 Mercedes-Benz CLA-Class insurance can be relatively painless. Consumers just need to take time to compare rate quotes from online providers. It’s super easy and can be done by using one of the methods below.

  1. The single most time-saving way to find the lowest comparison rates is a comparison rater form click to view form in new window. This method eliminates the need for separate quote forms for each company you want a rate for. One quote request gets rate comparisons from all major companies. Recommended for those who want to invest the least amount of time.
  2. A harder way to get comparison quotes is to manually visit each individual company website and go through the quote process again. For example, we’ll assume you want to see prices from Auto-Owners, Farmers and American Family. To get each rate you have to visit each site and enter your information, and that’s why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

Take whichever approach you prefer, but be certain you are entering nearly identical deductibles and coverage limits with each company. If you enter mixed coverages it’s impossible to get a fair rate comparison.

What insurance coverages do I need?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different.

For example, these questions may help you determine whether you would benefit from professional advice.

  • Do I have newly-aquired coverage?
  • Is pleasure use cheaper than using my 2014 Mercedes-Benz CLA-Class to commute?
  • Does my insurance cover my expensive audio equipment?
  • Should I have a commercial auto policy?
  • Am I covered if I drive in a foreign country?
  • If I drive on a suspended license am I covered?
  • Does my 2014 Mercedes-Benz CLA-Class qualify for pleasure use?
  • Is motorclub coverage worth it?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage considerations

Knowing the specifics of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz CLA-Class.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, a broken windshield and hitting a bird. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for bills for things like nursing services, hospital visits and chiropractic care. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Auto liability

Liability insurance can cover damage or injury you incur to a person or their property in an accident. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like repair bills for other people’s vehicles, legal defense fees and court costs. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, driving through your garage door, backing into a parked car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.