Save on 2012 Mercedes-Benz CL-Class Car Insurance Quotes

Searching for the cheapest car insurance rates? Consumers have lots of choices when looking for low-cost Mercedes-Benz CL-Class insurance. You can either waste hours calling around getting price quotes or save time using the internet to find the lowest rates. There is a better way to find car insurance online so you’re going to learn the proper way to price shop coverage for your Mercedes-Benz and locate the cheapest rates from local insurance agents and online providers.

It’s a good habit to price shop coverage before your policy renews since rates trend upward over time. Even if you got the best rates for CL-Class insurance a year ago there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the easiest way to eliminate unnecessary coverages and save money.

Comprehensive Auto Insurance Comparison

There are multiple methods to compare 2012 Mercedes-Benz CL-Class auto insurance prices but one way is less labor-intensive and much quicker. You can waste a lot of time talking to insurance companies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Many companies enroll in a system where prospective buyers submit one quote, and each company provides a quote for coverage. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here (opens in new window).

The only drawback to using this type of form is you don’t know exactly the insurers to receive prices from. So if you prefer to pick from a list of companies for rate comparison, we have a page of the cheapest auto insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverage limits and deductibles with every price quote. If you enter higher or lower deductibles you will not be able to decipher which rate is best.

The auto insurance bait and switch

Drivers can’t get away from ads for cheaper car insurance by State Farm, Allstate and GEICO. All the companies make an identical promise that you can save if you move to their company.

How do they all say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver they prefer to insure. For example, a profitable customer might be profiled as a mature driver, is a homeowner, and has a high credit rating. A propective insured that hits that “sweet spot” receives the best rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the “perfect” profile will be charged more money and this can result in the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone that quotes” save money. This is how insurance companies can make those claims. That is why you need to quote coverage with many companies. It is impossible to predict which company will have the lowest Mercedes-Benz CL-Class insurance rates.

Are you getting all your discounts?

Car insurance companies don’t always advertise every discount in a way that’s easy to find, so we researched some of the best known as well as the least known auto insurance savings. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Multiple Cars – Having all your vehicles on one policy could earn a price break for each car.
  • Discount for Good Grades – This discount can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for CL-Class insurance with a few auto insurance companies.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.

It’s important to understand that most credits do not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, companies don’t profit that way.

For a list of providers with discount auto insurance rates, follow this link.

When might I need an agent?

When choosing the best car insurance coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

  • How do I buy GAP insurance?
  • Am I covered if I break a side mirror?
  • Which is better, split liability limits or combined limits?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What is an SR-22 filing?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I crash into my own garage door?
  • What are the financial responsibility laws in my state?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Understanding the coverages of your car insurance policy aids in choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses like chiropractic care, ambulance fees, dental work, X-ray expenses and pain medications. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers claims such as repair bills for other people’s vehicles, court costs and legal defense fees. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision coverages – Collision insurance covers damage to your CL-Class from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb, crashing into a ditch, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz CL-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

Comprehensive car insurance – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, theft, vandalism and hail damage. The maximum payout a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Make a quick buck

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many instances, someone sacrificed comprehensive coverage or liability limits and found out when filing a claim they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

In this article, we covered many ideas to save on 2012 Mercedes-Benz CL-Class insurance. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. Consumers may even find the most savings is with a company that doesn’t do a lot of advertising.

Lower-priced insurance is available both online and with local insurance agents, and you need to price shop both to have the best selection. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

Additional insurance information can be read at these links: