2003 Mercedes-Benz CL-Class Insurance Quotes – 7 Tips for Best Rates

Trying to find cheaper car insurance rates for your Mercedes-Benz CL-Class? No one in their right mind likes having to buy car insurance, particularly when the price is too high.

Since consumers have many companies and agents to choose from, it is hard for the average consumer to choose the best insurance company.

You need to shop coverage around every six months due to the fact that insurance rates are variable and change quite frequently. Despite the fact that you may have had the best rates on CL-Class insurance on your last policy there is a good chance you can find better rates now. There is too much inaccurate information about car insurance on the web, but by reading this article, you’re going to learn some excellent ideas to reduce your car insurance bill.

Pay less for 2003 Mercedes-Benz CL-Class insurance

Insurance can be prohibitively expensive, buy you may qualify for discounts to help offset the cost. Some trigger automatically at the time of purchase, but some must be asked for prior to receiving the credit.

  • Homeowners Discount – Being a homeowner may trigger a auto insurance policy discount because maintaining a house requires personal responsibility.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.
  • Save over 55 – If you qualify as a senior citizen, you may receive better auto insurance rates on CL-Class insurance.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • No Claims – Drivers who don’t have accidents can save substantially compared to bad drivers.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.

It’s important to understand that many deductions do not apply the the whole policy. Some only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurers with the best auto insurance discounts, follow this link.

Tailor your coverage to you

When buying the best auto insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. For example, these questions may help highlight if your situation might need professional guidance.

  • Should I buy more coverage than the required minimum liability coverage?
  • Do I need replacement cost coverage on my 2003 Mercedes-Benz CL-Class?
  • What is an SR-22 filing?
  • Should I sign the liability waiver when renting a car?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need higher collision deductibles?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Parts of your insurance policy

Having a good grasp of a insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Shown next are typical coverage types found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Mercedes-Benz CL-Class.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.

Collision coverage

This coverage pays for damage to your CL-Class from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance pay for expenses such as prosthetic devices, chiropractic care, EMT expenses, surgery and X-ray expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage

This will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like fire damage, hitting a bird and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for liability

Liability insurance protects you from damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like repair costs for stationary objects, pain and suffering and emergency aid. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.

Affordable insurance is out there

Discount 2003 Mercedes-Benz CL-Class insurance is available on the web and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

We’ve covered many tips how you can compare insurance prices online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers could even find that the most savings is with a company that doesn’t do a lot of advertising. They can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

Additional detailed information can be read by following these links: