Cheaper 2003 Mercedes-Benz CLK-Class Car Insurance Rates

Want cheaper insurance coverage rates for your Mercedes-Benz CLK-Class? Comparing insurance coverage rates online is challenging if you have never used quoting online. But don’t let that discourage you because we’re going to show you how.

You should make it a habit to do rate comparisons quite often due to the fact that insurance rates change regularly. Even if you got the best rates on CLK-Class insurance on your last policy you can probably find a better price now. Ignore everything you know about insurance coverage because you’re about to learn one of the quickest ways to properly buy coverages while reducing your premium.

Do you qualify for a discount?

Companies offering auto insurance do not advertise every discount very clearly, so we break down some of the best known and the harder-to-find car insurance savings.

  • Government Employees – Active or retired federal employment could cut as much as 10% off on CLK-Class insurance depending on your company.
  • Organization Discounts – Participating in a qualifying organization could qualify you for a break on car insurance on CLK-Class insurance.
  • Early Signing – A few companies offer discounts for buying a policy before your current policy expires. This can save 10% or more.
  • Seat Belt Usage – Requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Bundle and Save – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Military Discounts – Having a family member in the military could be rewarded with lower premiums.
  • Homeowners Pay Less – Owning a home can help you save on car insurance because maintaining a house demonstrates responsibility.
  • No Claims – Drivers who don’t have accidents pay less as compared to frequent claim filers.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as comprehensive or collision. So when it seems like you could get a free car insurance policy, you won’t be that lucky.

For a list of insurance companies offering car insurance discounts, click here.

Cheap Car Insurance Comparisons

Comparing car insurance rates can take hours if you don’t utilize the most efficient way. You could waste a few hours driving to local insurance agents in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many popular insurance companies participate in an industry program that allows shoppers to submit their information once, and each company then gives them pricing for coverage. This saves time by eliminating form submissions for each company you want a rate for.

To access this free quoting program, click to open in new window.

The single downside to using this type of system is that consumers can’t choose the providers you want to price. If you prefer to choose specific providers to compare prices, we have a listing of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just double check that you are using apples-to-apples coverage limits with every price quote. If you use different deductibles it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages could mean much higher rates. Keep in mind that more quotes helps you find a lower rate.

Mercedes-Benz CLK-Class insurance premiums are calculated by many factors

Consumers need to have an understanding of some of the elements that go into determining car insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that may reward you with big savings.

  • The more you drive the more you pay – The more you drive in a year the higher your rates will be. Almost all companies rate vehicles determined by how the vehicle is used. Cars and trucks used primarily for pleasure use qualify for better rates than those used for commuting. If your policy improperly rates your CLK-Class may be wasting your money. Double check that your car insurance policy properly reflects the correct driver usage.
  • Do you have a high stress job? – Occupations such as judges, architects and accountants tend to have higher rates than average attributed to stressful work requirements and lots of time spent at work. On the flip side, occupations such as actors, athletes and retirees receive lower rates on CLK-Class insurance.
  • How credit affects car insurance rates – Credit history is a important factor in determining what you pay for car insurance. If your credit history is not that good, you could potentially save money when insuring your 2003 Mercedes-Benz CLK-Class by spending a little time repairing your credit. Consumers who have high credit scores tend to be less risk to insure as compared to drivers with lower credit scores.
  • Men pay higher rates – Statistics show that men are more aggressive behind the wheel. However, don’t assume that women are BETTER drivers than men. Both sexes are in accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets such as reckless driving.

What coverages do I need?

When buying adequate coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions could help you determine if your situation might need professional guidance.

  • When should I buy a commercial auto policy?
  • How high should my uninsured/underinsured coverage be in my state?
  • If I drive on a suspended license am I covered?
  • How can I get high-risk coverage after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Is motorclub coverage worth it?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Detailed coverages of your car insurance policy

Knowing the specifics of your policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz CLK-Class.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability – Liability insurance will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU against other people’s claims. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability insurance covers things like pain and suffering, loss of income, bail bonds, structural damage and legal defense fees. How much coverage you buy is your choice, but consider buying as much as you can afford.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like nursing services, pain medications, X-ray expenses and prosthetic devices. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as theft, damage from a tornado or hurricane, hitting a bird and falling objects. The highest amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things like driving through your garage door, crashing into a ditch and hitting a mailbox. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Do the work, save more money

We just covered a lot of ways to reduce 2003 Mercedes-Benz CLK-Class insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the most savings is with the smaller companies.

Cheaper insurance is possible from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best selection. Some companies do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

Consumers change insurance companies for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, poor customer service or even denial of a claim. Whatever your reason, finding a new insurance company can be easier than you think.

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