2000 Mercedes-Benz CL-Class Car Insurance Quotes – 9 Ideas for Cheaper Rates

Searching for lower auto insurance rates for your Mercedes-Benz CL-Class? Feel like you’re a prisoner to high-priced auto insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their auto insurance policy. Lots of insurance companies contend for your insurance dollar, and it can be difficult to compare rates and get the definite best rates possible.

If you are insured now or need new coverage, you can follow these tips to find the best rates and still get good coverage. Choosing the best insurance company for you is quite easy. Consumers only need an understanding of the most effective way to find the lowest price online.

Insurance Coverage Comparisons

There are a variety of methods you can shop for 2000 Mercedes-Benz CL-Class insurance coverage but one way is easier and takes less work. You could spend your day discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Many popular insurance companies belong to an insurance system where prospective buyers enter their coverage request one time, and every company then returns a price quote for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To use this form to compare 2000 Mercedes-Benz CL-Class insurance rates click here (opens in new window).

The only drawback to using this type of form is you are unable to specify which insurance companies you will receive quotes from. So if you want to select specific providers to request quotes from, we have a page of low cost insurance coverage companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using apples-to-apples quote information for every quote you compare. If you compare different liability limits then you won’t be able to decipher which rate is best.

Be sure to get all your discounts

Companies offering auto insurance don’t list every available discount very well, so we break down some of the best known and the harder-to-find discounts you could be receiving. If you don’t get every credit available, you are throwing money away.

  • Organization Discounts – Belonging to certain professional organizations may earn a discount when shopping for car insurance on CL-Class insurance.
  • Drive Less and Save – Fewer annual miles on your Mercedes-Benz could be rewarded with a substantially lower rate.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education in school.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Drive Safe and Save – Safe drivers can pay as much as 50% less on CL-Class insurance than drivers with accident claims.
  • Employee of Federal Government – Active or retired federal employment may qualify you for a discount on CL-Class insurance with certain companies.
  • Accident Waiver – Some insurance companies will allow you to have one accident before raising your premiums if you are claim-free for a set time period.
  • Life Insurance – Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • Defensive Driver – Successfully completing a defensive driving course could possibly earn you a 5% discount if you qualify.

Consumers should know that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like having all the discounts means you get insurance for free, you’re out of luck.

Car insurance companies that may offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering which discounts you may be entitled to. All car insurance discounts might not be offered everywhere.

How do I know if I need professional advice?

When it comes to buying the right insurance coverage for your vehicles, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether your personal situation might need an agent’s assistance.

  • Does my personal policy cover me when driving out-of-state?
  • Are my friends covered when driving my car?
  • What is medical payments coverage?
  • When can I cancel my policy?
  • When can my company non-renew my policy?
  • Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages available from car insurance companies.


Liability coverage will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others. It does not 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. As an example, you may have policy 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 a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as emergency aid, funeral expenses and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision insurance

This covers damage to your CL-Class caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a parking meter, driving through your garage door, scraping a guard rail, backing into a parked car and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection 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 2000 Mercedes-Benz CL-Class.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, falling objects and fire damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for expenses like hospital visits, EMT expenses, prosthetic devices and pain medications. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be a money saver!

In this article, we presented some good ideas how you can lower your 2000 Mercedes-Benz CL-Class insurance rates. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with the smaller companies. They often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

Discount insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both to have the best chance of lowering rates. Some insurance companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

Even more information is available at these sites: