How Much Does 2006 Mercedes-Benz CLK-Class Insurance Cost?

Having to pay for overpriced Mercedes-Benz CLK-Class insurance can dwindle your bank account and put the squeeze on your family’s finances. Doing a price comparison is free and is an excellent way to tighten up your finances.

Having so many companies to choose from, it’s nearly impossible to choose the lowest cost provider.

Choosing the best insurance company for you is not rocket science. In a nutshell, every driver who shops for auto insurance will most likely be able to find lower rates. But drivers need to learn the way companies price online insurance and apply this information to your search.

Save with discounts on Mercedes-Benz CLK-Class insurance

Auto insurance companies don’t necessarily list all available discounts very well, so the following is a list of both well-publicized and the more hidden ways to save on auto insurance.

  • Drivers Education – Have your child complete a driver education course in high school.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Anti-theft System – Anti-theft and alarm systems help deter theft and earn discounts up to 10%.
  • Accident Forgiveness – Certain companies will allow you to have one accident without raising rates if your claims history is clear for a particular time prior to the accident.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount for CLK-Class coverage with certain companies.
  • Life Insurance – Larger companies have a break if you buy a life insurance policy as well.
  • Save over 55 – If you’re over the age of 55, you may qualify for reduced rates for CLK-Class coverage.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most only apply to specific coverage prices like comp or med pay. So when the math indicates you would end up receiving a 100% discount, you won’t be that lucky.

For a list of insurance companies who offer auto insurance discounts, click here to view.

Auto Insurance Prices Online

The are a couple different ways of comparing rates from auto insurance companies in your area. The recommended way to compare 2006 Mercedes-Benz CLK-Class insurance prices is to use the internet to compare rates. This is very easy and can be done in just a few minutes using one of these methods.

  1. The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison click here to open form in new window. This type of form eliminates the need for repetitive form entry to each individual auto insurance company. Taking the time to complete one form will return quotes from several companies.
  2. A more time consuming way to obtain and compare quotes online requires a visit to each individual company website to complete a price quote. For instance, we’ll pretend you want to compare rates from Allstate, 21st Century and Liberty Mutual. To get rate quotes you would need to go to every website and enter your policy data, which is why the first method is more popular.

    For a list of links to insurance companies in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverages and limits for each price quote. If the quotes have mixed coverages you can’t possibly find the best deal for your Mercedes-Benz CLK-Class. Having just a slight variation in coverage limits can make a big difference in price. It’s important to know that comparing a large number of companies will increase your chances of finding the best rates.

Tailor your coverage to you

When buying proper insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions could help you determine if your insurance needs would benefit from professional advice.

  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Should I have a commercial auto policy?
  • What exactly is covered by my policy?
  • Am I covered if I crash into my own garage door?
  • Should I waive the damage coverage when renting a car?
  • Is upholstery damage covered by car insurance?
  • How can I get my company to pay me more for my totalled car?
  • When do I need to add a new car to my policy?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance companies in your area.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Collision – This coverage pays for damage to your CLK-Class resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like colliding with another moving vehicle, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – This provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Mercedes-Benz CLK-Class.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for chiropractic care, EMT expenses and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability auto insurance – This provides protection from damages or injuries you inflict on a person or their property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t 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. As an example, you may have liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as legal defense fees, court costs, repair costs for stationary objects, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Save your cold hard cash

Low-cost 2006 Mercedes-Benz CLK-Class insurance is definitely available from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best chance of saving money. Some car insurance companies don’t offer you the ability to get quotes online and these regional insurance providers work with independent agents.

In this article, we covered a lot of techniques to reduce insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the most savings is with the smaller companies. They can often provide lower rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped collision coverage and found out when filing a claim that it was a big mistake. Your strategy should be to buy a smart amount of coverage at the best price while still protecting your assets.

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