How Much Does 2008 Mercedes-Benz CL-Class Car Insurance Cost?

Finding the cheapest insurance for your Mercedes-Benz CL-Class can be a painful process, but you can use a few tricks to find lower rates. There is a better way to shop for auto insurance and we’ll show you the quickest way to price shop coverage for a new or used Mercedes-Benz and find the cheapest rates from local insurance agents and online providers.

You should take the time to compare prices yearly since rates change quite often. Just because you found the best rates on CL-Class insurance two years ago other companies may now be cheaper. There is a lot of wrong information about auto insurance online, so by reading this article, you’re going to learn some great ideas on how to slash your auto insurance rates.

Choosing the best insurance company for you is easy if you know what you’re doing. If you have a policy now or are shopping for new coverage, you can use this information to reduce the price you pay and possibly find even better coverage. Drivers only need an understanding of the most efficient way to compare price quotes on the web.

How to reduce Mercedes-Benz CL-Class insurance rates

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so here is a list both the well known and the more hidden car insurance savings. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Save with a New Car – Putting insurance coverage on a new car can save up to 30% due to better safety requirements for new cars.
  • Discount for Good Grades – Performing well in school can earn a discount of 20% or more. The good student discount can last up until you turn 25.
  • College Student – Youth drivers who live away from home and do not have a car may be able to be covered for less.
  • Multi-car Discount – Having more than one vehicle on one policy qualifies for this discount.
  • Senior Citizens – Mature drivers may be able to get reduced rates on CL-Class insurance.
  • Defensive Driving Course – Taking part in a course in driver safety can save you 5% or more if your company offers it.
  • Drivers Education – Have your child enroll in driver’s education if it’s offered in school.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% on CL-Class insurance with select insurance companies.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break on car insurance on CL-Class insurance.

It’s important to note that most of the big mark downs will not be given the the whole policy. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

For a list of companies with the best car insurance discounts, click this link.

These factors can influence what you pay for Mercedes-Benz CL-Class insurance

It’s important that you understand some of the elements that help determine your insurance coverage rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in big savings.

  • Equipment add-ons that lower insurance coverage rates – Driving a car with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Lower miles equals lower premium – The more you drive in a year’s time the higher your rate. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks left parked in the garage receive lower rates as compared to vehicles used primarily for driving to work. Make sure your insurance coverage policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your CL-Class may be costing you.
  • Multiple policies with one company can save – Most insurers will give a discount to customers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even with this discount, it’s still a good idea to compare other company rates to make sure you are getting the best deal.
  • Increase deductibles and save – Physical damage deductibles define the amount you are willing to pay out-of-pocket before your insurance coverage pays a claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims would be running into the backend of another car, damage from fire, or theft. The higher the amount you have to pay, the less your insurance coverage will be on CL-Class insurance.

Tailor your coverage to you

When it comes to choosing coverage, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine if your situation will benefit from professional help.

  • Why does it cost so much to insure a teen driver?
  • How much liability do I need to cover my assets?
  • Why do I only qualify for high-risk insurance?
  • Do I pay less for low miles?
  • What discounts do I qualify for?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I really need UM/UIM coverage?
  • Will my insurance pay for OEM parts?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and you can get the answers you need.

Switch companies and save? Really?

Drivers get pounded daily by advertisements for cheaper car insurance from the likes of Progressive, Allstate and Geico. All the ads have a common claim that you can save if you move your coverage to them.

How can each company say the same thing? It’s all in the numbers.

All companies can use profiling for the driver that earns them a profit. A good example of a desirable insured might be profiled as over the age of 50, insures multiple vehicles, and has a short commute. Any driver who fits that profile is entitled to the best price and is almost guaranteed to save when switching.

Drivers who don’t qualify for these standards must pay higher rates which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully state the savings. This illustrates why you absolutely need to get as many comparisons as possible. It’s impossible to know which car insurance company will provide you with the cheapest Mercedes-Benz CL-Class insurance rates.

Coverage specifics

Having a good grasp of your insurance policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for bills such as nursing services, funeral costs, doctor visits and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision protection

This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, crashing into a building, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CL-Class.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.


This protects you from injuries or damage you cause to a person or their property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for claims such as court costs, legal defense fees, emergency aid and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive insurance

This covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, theft, falling objects and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Smart shoppers get results

Budget-conscious 2008 Mercedes-Benz CL-Class insurance is definitely available online and also from your neighborhood agents, so compare prices from both to get a complete price analysis. Some companies may not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, delays in paying claims, high prices or extreme rates for teen drivers. It doesn’t matter what your reason, switching insurance coverage companies is pretty simple and you could end up saving a buck or two.

In this article, we covered quite a bit of information on how to save on insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the most savings is with a small mutual company.

Additional insurance coverage information is available below: