Cheap 2017 Mercedes-Benz CLS-Class Insurance Quotes

Shoppers have a choice when shopping for affordable Mercedes-Benz CLS-Class insurance. You can either waste hours contacting agents getting price quotes or use the internet to make rate comparisons. There are more efficient ways to shop for auto insurance and we’ll show you the quickest way to get price quotes for a new or used Mercedes-Benz and find the cheapest rates from both online companies and local agents.

Consumers should take time to do price comparisons every six months since insurance prices tend to go up over time. Just because you had the lowest rate on CLS-Class insurance a year ago there is a good chance you can find better premium rates now. Block out anything you think you know about auto insurance because you’re going to learn how to use the internet to find better rates and still maintain coverage.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you should be able to save some money using these methods. Vehicle owners just need to learn the most efficient way to compare company rates online.

Save money with these insurance coverage discounts

Insurance can be prohibitively expensive, but you can get discounts that may help make it more affordable. Some of these disounts will be visible when you get a quote, but some need to be specially asked for prior to receiving the credit.

  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and earn discounts up to 10% off your auto insurance quote.
  • Onboard Data Collection – People who choose to allow their insurance company to scrutinize driving habits remotely such as Snapshot from Progressive or Drivewise from Allstate might see lower rates as long as the data is positive.
  • Distant College Student Discount – Any of your kids who are attending college and do not have a car can receive lower rates.
  • Claim-Free Discount – Drivers who stay claim-free are rewarded with significantly better rates on auto insurance quote in comparison with policyholders that have many claims.
  • Homeowners Discount – Just owning your own home can help you save on insurance coverage because it requires personal responsibility.
  • Senior Citizen Discount – Mature drivers may receive reduced rates on CLS-Class insurance.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up may be able to save a few bucks off PIP or medical payments premium.
  • New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • First Accident Forgiveness – Not necessarily a discount, but certain companies permit an accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Safety Course Discount – Taking time to complete a driver safety class can save you 5% or more and also improve your driving technique.

Remember that some of the credits will not apply to the entire cost. Most only cut individual premiums such as liability, collision or medical payments. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

Companies that may include these discounts may include but are not limited to:

When getting free auto insurance quotes, it’s a good idea to every company how you can save money. A few discounts may not apply in your state. For a list of insurance coverage companies with discount rates, click this link.

How do car insurance companies determine Mercedes-Benz CLS-Class insurance costs?

Consumers need to have an understanding of some of the elements that come into play when calculating your premiums. When you know what positively or negatively controls the rates you pay, this allows you to make good choices that may result in lower auto insurance prices.

  • Bundle policies and save money – Most larger companies give lower prices to people that have more than one policy. It’s known as a multi-policy discount. Even with this discount applied, drivers will still want to get quotes from other companies to verify if the discount is saving money. You may still be able to save even more than the discount by splitting coverages up.
  • Bad credit will cost you – Having a bad credit rating is a big factor in determining what you pay. Drivers with good credit tend to be better drivers and file fewer claims than those with lower credit ratings. If your credit rating is not that good, you could pay less to insure your 2017 Mercedes-Benz CLS-Class by taking the time to improve your credit score.
  • Only buy what you need – Policies have additional coverages that you can buy if you aren’t careful. Things like vanishing deductibles, accidental death, and additional equipment coverage could be just wasting money. They may seem good when discussing your needs, but your needs may have changed so remove them and pocket the money.
  • Older drivers pay less – Young drivers are proven to be easily distracted when behind the wheel and because of this, their auto insurance rates are much higher. If you’ve ever had to add a first-time driver to your auto insurance policy will cause a huge premium hike. Older people are more cautious drivers, tend to file fewer claims and get fewer tickets.
  • Marriage is a factor – Getting married may save some money on your policy. Marriage usually means you are more mature and responsible and insurance companies like that being married results in fewer claims.
  • Too many insurance claims and you’ll pay more – If you file a lot of claims you can expect either higher rates or even cancellation. Car insurance companies generally give better rates to insureds that do not abuse their auto insurance. Your car insurance is meant to be used in the event of major claims that would cause financial hardship.
  • Safeguard your assets with liability protection – Your policy’s liability coverage provides coverage in the event that you are found to be at fault for an accident. Liability insurance provides legal defense starting from day one. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Never go without auto insurance – Not having insurance is not a good idea and your next policy will cost more because you let your coverage have a gap. And not only will your rates increase, the inability to provide proof of insurance can result in a revoked license or a big fine.

Insurance coverage can get complicated

When buying the best insurance coverage coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether your personal situation may require specific advice.

  • What if I total my 2017 Mercedes-Benz CLS-Class and owe more than it’s worth?
  • Which is better, split liability limits or combined limits?
  • Why does it cost so much to insure a teen driver?
  • What are the best liability limits?
  • Do I need roadside assistance coverage?
  • Are my friends covered when driving my 2017 Mercedes-Benz CLS-Class?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle, vandalism, hail damage and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – This provides protection from damage that occurs to a person or their property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

It consists of three 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 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as bail bonds, structural damage, loss of income, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things such as rolling your car, colliding with another moving vehicle, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, dental work and funeral costs. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Shop Smart and Save

Drivers switch companies for a number of reasons such as delays in paying claims, questionable increases in premium, extreme rates for teen drivers or an unsatisfactory settlement offer. Regardless of your reason, finding a great new company is easier than you think.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. Too many times, an insured cut full coverage only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at an affordable rate, not the least amount of coverage.

We’ve covered some good ideas how you can save on 2017 Mercedes-Benz CLS-Class insurance. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. Drivers may discover the most savings is with a small mutual company.

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