Cheaper 2016 Mercedes-Benz CLA-Class Car Insurance Rates

If you’re new to shopping for auto insurance quotes online, it’s easy to get overwhelmed thanks to the huge assortment of online insurance coverage companies and websites who all claim to have the lowest rates.

The quickest method to compare rate quotes is to understand most larger insurance companies will pay a fee to give rate comparisons. All you need to do is provide details such as how your vehicles are used, the make and model of your vehicles, if the car is leased, and level of coverage desired. Your rating data gets sent immediately to many highly-rated insurers and you receive quotes instantly to find the best rate.

To check 2016 Mercedes-Benz CLA-Class insurance prices now, click here and find out if you can get cheaper insurance.

Do I need special coverages?

When choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that might point out whether your personal situation would benefit from an agent’s advice.

  • Do I need special endorsements for business use of my vehicle?
  • Am I covered if I hit my neighbor’s mailbox?
  • Am I covered when pulling a rental trailer?
  • Am I getting all the discounts available?
  • Is my custom paint covered by insurance?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if hit by an uninsured driver?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.

Learn about insurance coverages for a Mercedes-Benz CLA-Class

Learning about specific coverages of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are set the same as your liablity limits.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like pain medications, hospital visits, chiropractic care, X-ray expenses and doctor visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

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

Comprehensive coverage pays for claims like damage from a tornado or hurricane, a tree branch falling on your vehicle, falling objects, theft and fire damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage – This coverage will pay to fix damage to your CLA-Class resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, crashing into a building, rolling your car, sustaining damage from a pot hole and scraping a guard rail. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Liability coverages – This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like emergency aid, attorney fees and pain and suffering. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.