Save on 2002 Mercedes-Benz CLK-Class Insurance Quotes

Looking for lower auto insurance rates? Shoppers have lots of choices when shopping for affordable Mercedes-Benz CLK-Class insurance. They can either waste time calling around to compare prices or save time using the internet to find the lowest rates. There is a better way to compare auto insurance rates and we’ll show you the proper way to compare rates for your Mercedes-Benz and locate the best price possible from local insurance agents and online providers.

It’s a good habit to check auto insurance prices yearly because prices trend upward over time. Even if you think you had the best rates on CLK-Class coverage last year you will most likely find a better rate today. So block out anything you think you know about auto insurance because you’re going to get a crash course in the only way to save money, get proper coverage and the best rates.

If you are insured now or are shopping for new coverage, you can learn to find better prices while maintaining coverages. This article will introduce you to how car insurance quotes work and some tricks to saving. Drivers just need to understand the proper way to shop online.

Comprehensive Car Insurance Comparison

There are a variety of methods to shop for 2002 Mercedes-Benz CLK-Class car insurance, but some are less time-consuming than others. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you could save time and use the internet for quick rates.

Most major companies belong to a marketplace where insurance shoppers send in one quote, and at least one company can give them a price for coverage. This eliminates the need for quote forms for each company.

To find out how much you’re overpaying now click here to start a free quote.

The single downside to doing it this way is buyers cannot specifically choose which companies to get quotes from. If you would rather choose specific insurance companies to compare rates, we have a listing of companies who write car insurance in your area. Click to view list.

Which method you use is up to you, but make darn sure you compare exactly the same coverages and limits with each company. If you use different liability limits it will be very difficult to make an equal comparison.

Get lower rates on Mercedes-Benz CLK-Class insurance

Companies that sell car insurance don’t necessarily list every discount very clearly, so here is a list both well-publicized and the more hidden savings tricks you should be using. If you’re not getting every credit possible, you’re paying more than you need to.

  • Pay Now and Pay Less – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Safe Driver Discount – Safe drivers can get discounts for up to 45% lower rates on CLK-Class coverage than their less cautious counterparts.
  • Discount for New Cars – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount on CLK-Class coverage depending on your company.
  • Passive Restraint Discount – Vehicles equipped with air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Military Rewards – Having a family member in the military could mean lower rates.
  • Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company could earn a price break for each car.

Drivers should understand that most discounts do not apply to the entire cost. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates you can get free auto insurance, it just doesn’t work that way.

For a list of companies with discount insurance rates, click this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Is my custom paint covered by insurance?
  • Does my insurance cover my expensive audio equipment?
  • Who is covered by my policy?
  • Can my teen drive my company car?
  • Do I need medical payments coverage since I have good health insurance?
  • When should I not file a claim?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Impacting insurance rates for a Mercedes-Benz CLK-Class

Smart consumers have a good feel for some of the elements that play a part in calculating your insurance coverage rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that could result in lower insurance coverage prices.

Shown below are a partial list of the pieces companies use to determine premiums.

  • Frequent insurance coverage claims increase rates – Auto insurance companies award discounts to policyholders who do not file claims often. If you tend to file frequent claims, you can look forward to higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
  • Drive a safer car and pay less – Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If your Mercedes-Benz earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Bump up deductibles to save – The deductibles define the amount you are required to spend in the event of a claim. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply could be running into the backend of another car, damage caused by hail, and burglary. The more expense you are required to pay out-of-pocket, the less your company will charge you for insurance on CLK-Class coverage.
  • Special features that cut premiums – Choosing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart your car from being stolen.
  • Don’t cancel a policy without a new one in place – Having an insurance coverage lapse is a fast way to trigger a rate increase. And not only will your rates increase, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license.
  • Extra coverages can waste money – There are many extra coverages you can purchase on your insurance coverage policy. Things like personal injury protection, better glass coverage and additional equipment coverage are some examples. These may sound like a good investment initially, but now you might not need them so remove them from your policy.
  • Do you have a high stress job? – Careers like real estate brokers, business owners and stock brokers have the highest rates in part from high stress and long work days. On the other hand, occupations like pilots, students and retirees get better rates on CLK-Class coverage.
  • Older drivers pay less – Young drivers tend to be less responsible in a vehicle so insurance coverage rates are higher. Mature drivers tend to be more responsible, statistically cause fewer accidents and tend to be better behind the wheel.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be ambiguous and coverage can change by endorsement.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as damaging your car on a curb, colliding with a tree, sustaining damage from a pot hole and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, hitting a deer, falling objects and vandalism. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like funeral costs, nursing services, X-ray expenses, surgery and prosthetic devices. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz CLK-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability car insurance

Liability coverage can cover damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like medical services, structural damage, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a personal decision, but buy higher limits if possible.

Be a smart shopper

Drivers change insurance companies for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, questionable increases in premium or being labeled a high risk driver. Regardless of your reason, choosing a new insurance company can be easy and end up saving you some money.

In this article, we covered some good ideas how to shop for 2002 Mercedes-Benz CLK-Class insurance online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising.

When shopping online for insurance coverage, it’s not a good idea to skimp on critical coverages to save a buck or two. In many instances, an accident victim reduced full coverage only to regret at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at an affordable rate.

More information is available at the links below