Save on 2009 Mercedes-Benz CLK-Class Car Insurance Quotes

Want better car insurance rates for your Mercedes-Benz CLK-Class? Overpriced Mercedes-Benz CLK-Class insurance can drain your personal savings and force you to prioritize other expenses. Comparison shopping is free and is an excellent way to tighten up your finances.

Insurance companies such as Geico and Progressive increase brand awareness with catchy ads and it can be hard to see past the corporate glitz and do the work needed to find the best deal.

It’s a good idea to compare rates before your policy renews since insurance rates tend to go up over time. Even if you think you had the lowest price for CLK-Class coverage a couple years back other companies may now be cheaper. So just ignore everything you know about car insurance because I’m going to teach you one of the quickest ways to find better rates and still maintain coverage.

How to Compare Insurance Coverage

Comparing insurance coverage rates can take time and effort if you don’t know the easiest way. You could spend your day talking about coverages with local insurance agents in your area, or you can stay home and use online quotes to maximize your effort.

Many popular insurance companies enroll in a system that allows shoppers to complete one form, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for quotation requests to each company.

To enter your information into the quoting system, click to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which carriers you want to price. If you wish to select individual companies to compare, we put together a list of low cost insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, be sure to compare identical information with every price quote. If you compare different limits and deductibles on each one you will not be able to truly determine the lowest rate. Slightly different coverage limits may result in large price differences. Just remember that having more price comparisons helps locate the best price.

Verify you’re getting all your discounts

Companies offering auto insurance don’t list all available discounts in an easy-to-find place, so we break down some of the best known as well as the least known ways to save on insurance coverage.

  • No Charge for an Accident – Certain companies allow you one accident before raising your premiums if you are claim-free for a set time period.
  • Drive Safe and Save – Drivers who avoid accidents can get discounts for up to 45% lower rates for CLK-Class coverage than drivers with accidents.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts up to 30%.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy qualifies for this discount.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Sign Online – A few companies give back up to $50 for buying a policy and signing up online.
  • Use Seat Belts – Requiring all passengers to use a seat belt can save 10% or more off your PIP or medical payments premium.

Keep in mind that most discount credits are not given to the overall cost of the policy. The majority will only reduce specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

To see a list of providers with discount insurance coverage rates, follow this link.

When should I talk to an agent?

When it comes to choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight whether or not you will benefit from professional help.

  • Why do I need rental car insurance?
  • Am I covered when using my vehicle for business?
  • Should I buy full coverage?
  • Is my custom paint covered by insurance?
  • Does my 2009 Mercedes-Benz CLK-Class qualify for pleasure use?
  • Does liability extend to a camper or trailer?
  • Are all vehicle passengers covered by medical payments coverage?
  • Does my insurance cover my expensive audio equipment?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

What determines your Mercedes-Benz CLK-Class insurance premium

Smart consumers have a good feel for the factors that play a part in calculating the rates you pay for insurance coverage. Knowing what determines base rates allows you to make educated decisions that may reward you with big savings.

  • What are your deductibles? – Physical damage insurance, also known as collision and other-than-collision, protects your Mercedes-Benz from damage. Some examples of claims that would be covered could be a windshield shattered by a rock, collision with an animal, or theft. The deductibles are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount the insured has to pay upfront, the lower your rates will be for CLK-Class coverage.
  • Multi-policy discounts can save money – The majority of insurers will award you with lower prices to policyholders who carry more than one policy in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare other company rates to verify if the discount is saving money. Consumers may find better rates by insuring with multiple companies.
  • Pay less if you’re married – Being married actually saves money on insurance coverage. Marriage usually means you are more mature and responsible and it’s statistically proven that being married results in fewer claims.
  • Older drivers pay less – Mature drivers are more cautious drivers, tend to cause fewer accidents and receive fewer citations. Teen drivers have a tendency to be careless and easily distracted in a vehicle therefore insurance coverage rates are much higher.

Car insurance policy coverages for a Mercedes-Benz CLK-Class

Learning about specific coverages of your policy aids in choosing which coverages you need for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring. These are the usual coverages offered by car insurance companies.

Comprehensive car insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, falling objects, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as 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.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like chiropractic care, X-ray expenses, rehabilitation expenses, doctor visits and surgery. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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

Collision coverage protects against claims such as colliding with another moving vehicle, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to bring the cost down.

Liability coverages – This coverage can cover damage that occurs to people or other property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability insurance covers things like attorney fees, repair bills for other people’s vehicles, emergency aid and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Save your cold hard cash

When shopping online for car insurance, it’s not a good idea to buy poor coverage just to save money. In many cases, someone sacrificed full coverage and learned later that it was a big error on their part. The ultimate goal is to find the BEST coverage at an affordable rate, not the least amount of coverage.

Discount 2009 Mercedes-Benz CLK-Class insurance is available both online and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

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