2017 Mercedes-Benz CLA-Class Car Insurance Cost – 10 Tips for Best Prices

Looking for better car insurance rates for your Mercedes-Benz CLA-Class? Locating lower priced car insurance can be somewhat intimidating for drivers who are new to comparing rates on the internet. With so many options of insurers to choose from, how can anyone efficiently compare them all to find cheaper car insurance prices?

This information will let you in on the best way to quote coverages and some tips to save money. If you have car insurance now, you should be able to cut costs considerably using this strategy. Nevertheless, car owners do need to know the way insurance companies market on the web and use this information to your advantage.

Get cheap rates with these ten discounts

Not many people think insurance is cheap, but companies offer discounts that can help lower your rates. A few discounts will automatically apply at the time you complete a quote, but a few need to be specifically requested before you will receive the discount. If you don’t get every credit available, you are just wasting money.

  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save 10% or more off the PIP or medical payment premium.
  • Government Employees – Simply working for the federal government can save as much as 8% on CLA-Class coverage with some auto insurance companies.
  • Discount for New Cars – Buying insurance on a new vehicle can be considerably cheaper since newer models have better safety ratings.
  • Multi-line Discount – Some insurance companies give a lower rate if you buy life insurance from them.
  • Auto/Home Discount – If you insure your home and vehicles with the same company you could earn a discount of approximately 10% to 15%.
  • Student Driver Training – Reduce the cost of insurance for teen drivers by having them take driver’s ed class in high school.
  • Responsible Driver Discount – Safe drivers can get discounts for up to 45% lower rates on CLA-Class coverage as compared to drivers with claims.
  • Onboard Data Collection – Insureds who allow their auto insurance company to study driving habits by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they show good driving skills.
  • Accident Waiver – but companies like Allstate and Progressive will let one accident slide before raising your premiums if you have no claims prior to the accident.
  • Accident Free – Insureds with no claims or accidents can earn big discounts in comparison with bad drivers.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as comp or med pay. Despite the appearance that it’s possible to get free car insurance, you’re out of luck.

If you would like to choose from a list of auto insurance companies with the best discounts, click this link.

How much is insurance?

The are a couple different ways to compare rate quotes from different insurance companies. The best way to compare rates is to perform an online rate comparison. This can be done in just a few minutes using one of these methods.

Experts agree that the best way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This style of form saves time by eliminating separate quotes for each price estimate. Filling out one form gets rate comparisons from multiple companies. It’s definitely the quickest method.

Another way to find better pricing requires a trip to each company’s website and go through the quote process again. For example, let’s assume you want comparison quotes from Auto-Owners, Safeco and Liberty Mutual. To get rate quotes you would need to go to each individual site and type in your information over and over, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

The least efficient and most time consuming method to comparison shop to each insurance agency near you. Comparing rates online eliminates this option unless you prefer the professional advice that only a licensed agent can provide. If you prefer, some companies allow you to compare the best prices online and still use a local agent.

Whichever method you choose, make sure you use identical quote information for each comparison quote. If your comparisons have different values for each quote it will be next to impossible to determine which company has the best rates. Quoting even small variations in insurance coverages or limits could skew the results. Keep in mind that more quotes increases your odds of finding more affordable rates.

What is the best insurance coverage?

When choosing coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions can aid in determining if your situation could use an agent’s help.

  • Do I pay less if my vehicle is kept in my garage?
  • What is no-fault insurance?
  • Is a blown tire covered by insurance?
  • Why do I need rental car insurance?
  • Is my babysitter covered when using my vehicle?
  • Am I covered when driving on a suspended license?
  • Should I have combined single limit or split liability limits?
  • Where can I find DUI or SR-22 insurance?
  • What is the minimum liability in my state?
  • Is business equipment covered while in my vehicle?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Insurance specifics

Understanding the coverages of your insurance policy can help you determine appropriate coverage for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

This provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2017 Mercedes-Benz CLA-Class.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses like EMT expenses, nursing services, prosthetic devices and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Collision coverage

This covers damage to your CLA-Class resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as rolling your car, hitting a mailbox, driving through your garage door, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Liability coverage

This protects you from damage that occurs to other people or property by causing an accident. It protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, medical services, court costs, loss of income and bail bonds. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, hitting a deer, a tree branch falling on your vehicle and a broken windshield. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

A little work can save a LOT of money

When shopping online for insurance, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced liability limits or collision coverage only to regret they didn’t purchase enough coverage. The goal is to buy enough coverage for the lowest cost but still have enough coverage for asset protection.

Insureds leave their current company for many reasons like extreme rates for teen drivers, denial of a claim, unfair underwriting practices or even not issuing a premium refund. No matter why you want to switch, finding a great new company is actually quite simple.

We just presented a lot of techniques to compare 2017 Mercedes-Benz CLA-Class insurance car insurance rates online. The key thing to remember is the more price quotes you have, the better likelihood of getting the cheapest insurance. You may be surprised to find that the best car insurance rates are with a small mutual company.

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