Lower Your 2016 Mercedes-Benz CLS-Class Car Insurance Quotes

Looking for better auto insurance rates for your Mercedes-Benz CLS-Class? Expensive Mercedes-Benz CLS-Class insurance can overdraw your bank account and force you to cut corners elsewhere. Getting a rate comparison can lower your rates and help to make sure you’re not throwing money away.

Multiple insurers compete for your hard-earned dollar, and it can be difficult to compare rates and get the best coverage at the best rate

Smart consumers take time to check auto insurance prices before your policy renews because auto insurance prices are rarely the same from one policy term to another. Just because you found the best rate on CLS-Class coverage six months ago you may be paying too much now. Block out anything you think you know about auto insurance because you’re about to find out the best methods to find the best coverage while lowering your premiums.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these techniques. Buying car insurance is quite easy. But consumers must understand the way companies sell insurance online because it can help you find the best coverage.

How to get car insurance quotes

There are a lot of ways to compare car insurance prices but one way is easier and takes less work. You can spend your afternoon driving to insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Most of the best insurance companies belong to a marketplace that enables customers to complete one form, and every company returns a rated price determined by their information. This prevents consumers from doing quote requests to every company.

To find out how much you can save on car insurance click here to open in new window.

The one downside to using this type of form is you can’t choose the providers to receive prices from. So if you want to choose specific insurance companies to request quotes from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Compare rates however you want, just compare identical coverage limits and deductibles for each comparison quote. If you are comparing different values for each quote it will be impossible to determine the best price for your Mercedes-Benz CLS-Class. Even a minor difference in insurance coverages could skew the results. It’s important to know that more quotes helps improve the odds of finding a better price. Some regional insurers cannot provide online rate quotes, so you should also compare price estimates on coverage from those companies, too.

Insurance companies offer lots of discounts

The cost of insuring your cars can be expensive, but you may find discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time of purchase, but less common discounts must be specifically requested prior to receiving the credit.

Home Ownership Discount – Simply owning a home can earn you a little savings since home ownership shows financial diligence.
Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10% off your insurance quote.
Discount for Multiple Policies – If you can bundle your home and auto insurance and insure them with the same company you could save up to 20% and get you cheap insurance.
Membership in Organizations – Being in a civic or occupational organization could trigger savings on your policy.
Telematics Data – Drivers who agree to allow their company to scrutinize driving manner remotely like Allstate’s Drivewise might see lower rates if their driving habits are good.
Seat Belts Save – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the personal injury premium cost.
Multi-Vehicle Discounts – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.

Remember that most discounts do not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you could get a free insurance policy, you’re out of luck.

A few companies that may offer quotes with most of the discounts above include:

Before you buy a policy, ask each insurance company which discounts you may be entitled to. Some of the earlier mentioned discounts may not apply to policyholders in every state. To see a list of insurers with discount rates, click here.

Do I just need basic coverages?

When buying coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight if your insurance needs might need professional guidance.

What are the best liability limits?
Am I covered when driving someone else’s vehicle?
Will my insurance pay for OEM parts?
Does my liability insurance cover pulling a trailer or camper?
Why do I only qualify for high-risk insurance?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Is upholstery damage covered by car insurance?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Cut insurance costs with these tips

Many factors are used when you quote your car insurance policy. Some are obvious like your driving record, but other factors are more obscure like your vehicle usage or how financially stable you are.

A lcoverage lapse is a bad thing – Having a lapse in insurance coverage can be a quick way to drive up your policy premiums. In addition to paying higher premiums, failure to provide proof of insurance may result in a fine, jail time, or a revoked license.
Discounts for married couples – Your spouse may cut your premiums on your insurance coverage policy. Marriage is viewed as being more stable financially and insurance companies like that being married results in fewer claims.
High coverage deductibles save money – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercedes-Benz. Some examples of claims that would be covered could be a dented fender, damage from fire, and windstorm damage. The deductibles you choose tell how much you are required to spend out-of-pocket before your insurance coverage pays a claim. The higher the amount you are required to pay out-of-pocket, the less money you will pay for insurance coverage on CLS-Class coverage.
Better drivers pay less – Drivers who don’t get tickets pay lower auto insurance prices than people who have multiple driving citations. Even a single speeding ticket can bump up the cost by as much as twenty percent. Drivers who have flagrant violations such as reckless driving or DUI might be required by their state to submit a SR-22 form with their state’s licensing department in order to continue driving.
Credit rating impact insurance coverage prices – Credit history can be a huge factor in determining what you pay. Therefore, if your credit history is not that good, you may save money insuring your 2016 Mercedes-Benz CLS-Class by improving your credit score. Insureds with very good credit scores tend to be less risk to insure than drivers with lower ratings.

Can switching companies really save?

Big name companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads advertise claims that people will save just by switching your coverage. How do they all give you a better price?

Many companies quote their best rates for the right customer that will most likely be profitable. One example of a preferred risk could be a married female, has few claims, and the vehicle is rated for pleasure use. Anyone who meets those qualifications gets the lowest prices and therefore will save a lot if they switch.

Potential customers who are not a match for the “perfect” profile will be charged higher prices and this results in the customer not buying. If you pay attention, the ads say “drivers that switch” not “everyone that quotes” save that much when switching. This is how insurance companies can confidently make those statements.

This illustrates why you should get a wide range of price quotes. It’s not possible to predict which insurance coverage company will have better premium rates than you’re paying now.

Auto insurance 101

Understanding the coverages of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, fire damage, falling objects, theft 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.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz CLS-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.

Liability coverages

This can cover damages or injuries you inflict on people or other property by causing an accident. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like court costs, repair bills for other people’s vehicles, funeral expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for short-term medical expenses like chiropractic care, EMT expenses and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with a tree, damaging your car on a curb, hitting a parking meter and crashing into a ditch. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Quote more, save more

In this article, we presented a lot of tips how to get a better price on 2016 Mercedes-Benz CLS-Class insurance. It’s most important to understand that the more price quotes you have, the higher your chance of finding cheap insurance. Drivers may discover the lowest premium rates come from the least-expected company. These smaller insurers often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

As you restructure your insurance plan, it’s a bad idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage and found out when filing a claim that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at the best price while still protecting your assets.