Compare 2015 Mercedes-Benz CLA-Class Car Insurance Rates

Wish you could get out of an expensive insurance policy? Don’t feel bad because many consumers feel financially strained by their insurance policy.

Lots of auto insurance companies contend for your insurance dollar, so it can be very hard to choose a insurer to get the best rates possible.

You should take the time to get comparison quotes yearly since rates fluctuate regularly. Just because you had the best deal on CLA-Class insurance a couple years back you can probably find a better price now. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to find the best coverage while lowering your premiums.

Affordable insurance coverage

Most larger insurance companies make it easy to get pricing direct online. Getting online quotes doesn’t take a lot of time because it’s just a matter of typing in your coverage information on the page. Behind the scenes, their rating system automatically retrieves your driving and credit reports and gives you a price quote based on many factors. This makes it easy to compare insurance prices but the work required to visit multiple sites and type in your information gets old quite quickly. But it’s also necessary to have as many quotes as possible in order to get the lowest price.

A better way to get multiple rate quotes requires only one form to get prices from many companies. The form is fast, eliminates repetitive work, and makes quoting online much more efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. It takes less than 15 minutes and may save quite a bit of money.

In order to get comparison pricing now, click here and fill out the form. If you have coverage now, it’s recommended you input deductibles and limits just like they are on your policy. Doing this assures you are getting rate comparison quotes for similar coverage.

Auto insurance quotes and discounts

Auto insurance is neither fun to buy or cheap, but there are discounts available that many people don’t even know exist. Some trigger automatically at the time of purchase, but some discounts are required to be manually applied in order for you to get them.

  • Full Payment Discount – By paying your entire bill at once instead of making monthly payments you could save up to 5%.
  • Discount for Multiple Policies – If you combine your auto and home policies with one insurance company you may save approximately 10% to 15%.
  • Homeowners Savings – Just being a homeowner can get you a discount since home ownership requires personal responsibility.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • No Charge for an Accident – but a handful of insurance companies will let one accident slide without the usual rate increase so long as you are claim-free prior to being involved in the accident.

A little disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. Despite the appearance that having all the discounts means you get insurance for free, you aren’t that lucky.

If you would like to see a list of companies that offer many of these discounts, click this link.

Situations that may require an agent’s advice

When it comes to buying the best insurance coverage, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions could help you determine if you would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • Should I have combined single limit or split liability limits?
  • What is UM/UIM insurance?
  • Does coverage extend to Mexico or Canada?
  • Should I drop comprehensive coverage on older vehicles?
  • Does insurance cover damages from a DUI accident?
  • Do I need motorclub coverage?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverage specifics

Knowing the specifics of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on the average insurance policy.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, fire damage, rock chips in glass and a broken windshield. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability coverage – This coverage provides protection from damage or injury you incur to people or other property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles, court costs, emergency aid and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

UM/UIM Coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for bills for prosthetic devices, X-ray expenses, surgery and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – Collision coverage will pay to fix damage to your CLA-Class resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as rolling your car, scraping a guard rail, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.