2017 Mercedes-Benz CLS-Class Insurance Quotes – 9 Policy Discounts

Locating cheaper insurance for a Mercedes-Benz CLS-Class can be difficult, but you can use the following methods to save time. There is a better way to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages on a Mercedes-Benz and obtain the lowest possible price from local insurance agents and online providers.

More affordable rates with these nine discounts

Insuring your vehicles can cost a lot, but there may be some discounts that many consumers don’t even know exist. Certain discounts will be applied when you get a quote, but lesser-known reductions have to be manually applied prior to receiving the credit.

  • Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can actually save on your bill.
  • Life Insurance – Larger insurance carriers have lower insurance coveragerates if you buy auto and life insurance together.
  • Anti-lock Brake System – Vehicles with ABS braking systems or traction control can stop better under adverse conditions and earn discounts up to 10%.
  • Senior Citizen Rates – If you qualify as a senior citizen, you could receive a small discount on rates for CLS-Class coverage.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Good Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates for CLS-Class coverage than their less cautious counterparts.
  • Resident Student – Older children who live away from home at college and do not have a car may qualify for this discount.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course as it will make them better drivers and lower rates.
  • Low Miles Discount – Driving less could qualify for better premium rates on cars that stay parked.

Consumers should know that most of the big mark downs will not be given to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. Even though the math looks like you would end up receiving a 100% discount, it just doesn’t work that way.

The best insurance coverage companies and some of the discounts include:

  • GEICO may include discounts for anti-lock brakes, multi-policy, good student, seat belt use, defensive driver, military active duty, and emergency military deployment.
  • Mercury Insurance has savings for annual mileage, low natural disaster claims, accident-free, anti-theft, good driver, ease of repair, and type of vehicle.
  • Farmers Insurance may have discounts that include business and professional, teen driver, homeowner, early shopping, good student, and electronic funds transfer.
  • Auto-Owners Insurance offers premium reductions for multiple vehicles, paid in full, safe vehicle, student away at school, company car, mature driver, and group or association.
  • Liberty Mutual discounts include safety features, good student, hybrid vehicle, newly retired, and new graduate.
  • SAFECO may offer discounts for bundle discounts, accident prevention training, drive less, anti-theft, safe driver, and multi-car.
  • Progressive policyholders can earn discounts including good student, multi-policy, continuous coverage, homeowner, multi-vehicle, online signing, and online quote discount.
  • USAA offers discounts including defensive driver, multi-policy, new vehicle, military installation, vehicle storage, multi-vehicle, and loyalty savings.

Double check with all the companies which credits you are entitled to. Savings may not apply in your area. If you would like to choose from a list of companies who offer discounts, click this link.

Compare auto insurance rates

The majority of larger companies such as Allstate, GEICO and Progressive allow consumers to get coverage prices from their websites. This process is easy for anyone because you just enter as requested by the quote form. After you submit the form their quoting system will obtain credit information and your driving record and returns a price based on the data you entered.

Online price quotes simplifies rate comparisons, but the time it takes to visit different websites and type in the same information is not the best way to spend an afternoon. But it’s very important to have as many quotes as possible if you want to find the best price possible.

Isn’t there an easier way to compare rates?

An easier way to locate the lowest prices requires only one form to return rates from several different companies. The form is fast, eliminates form submissions, and makes price shopping online much more efficient. Immediately after submitting the form, it gets priced and you can choose any or none 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. The whole process can be completed in a matter of minutes and you will know how your current rates stack up.

In order to find out what other companies charge, click here and fill out the form. If you have your current policy handy, we recommend you input deductibles and limits exactly as shown on your declarations page. This guarantees you’re receiving a price comparison based on the exact same insurance coverage.

What is the best car insurance coverage?

When buying the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For example, these questions might point out if you may require specific advice.

  • Why do I need rental car insurance?
  • What can I do if my company won’t pay a claim?
  • Does liability extend to a camper or trailer?
  • Do I need higher collision deductibles?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Car insurance 101

Having a good grasp of your policy helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be confusing and coverage can change by endorsement.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, a tree branch falling on your vehicle, fire damage, a broken windshield and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – Liability coverage provides protection from injuries or damage you cause to other people or property by causing 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. Your policy might show liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims such as bail bonds, medical expenses, funeral expenses, medical services and court costs. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills for X-ray expenses, EMT expenses, funeral costs and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your CLS-Class caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims like hitting a parking meter, sustaining damage from a pot hole, rolling your car, colliding with a tree and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

In Summary

Throughout this article, we presented a lot of information how to lower your 2017 Mercedes-Benz CLS-Class insurance car insurance rates. The most important thing to understand is the more companies you get premium rates for, the better your chances of lowering your premium rates. You may even find the lowest car insurance rates come from some of the lesser-known companies.

Cheap 2017 Mercedes-Benz CLS-Class insurance is definitely available online as well as from independent agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance coverage companies may not have the ability to get a quote online and most of the time these smaller companies work with local independent agents.

Drivers who switch companies do it for many reasons like an unsatisfactory settlement offer, denial of a claim, extreme rates for teen drivers and being labeled a high risk driver. It doesn’t matter what your reason, finding a new insurance coverage company is less work than it seems.

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