Cheap 2014 Mercedes-Benz CLS-Class Insurance Rates

Looking for better insurance rates for your Mercedes-Benz CLS-Class? Having to pay for overpriced insurance can drain your bank account and put the squeeze on your family’s finances. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket. Since consumers have many choices, it’s nearly impossible to find the lowest cost car insurance company.

It’s a good idea to get comparison quotes before your policy renews since rates change quite often. Just because you found the lowest rates on CLS-Class coverage two years ago there may be better deals available now. Ignore everything you know about insurance because we’re going to demonstrate the tricks you need to know to find better coverage at a better price.

These discounts can slash auto insurance rates

Companies offering auto insurance don’t always advertise all their discounts in a way that’s easy to find, so we break down some of the more common and also the lesser-known ways to save on auto insurance. If you aren’t receiving every discount available, you are paying more than you should be.

  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • Federal Government Employee – Employees or retirees of the government can save as much as 8% on CLS-Class coverage depending on your company.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you may earn 10% to 20% off each policy.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on CLS-Class coverage than less cautious drivers.
  • Multiple Cars – Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.

As a disclaimer on discounts, most credits do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Companies who might offer some of the above discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Discounts may not be available in your state.

Compare the Market for Car Insurance

Finding lower car insurance rates isn’t really that difficult. The only requirement is to take the time comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The recommended way to get the best comparison quotes would be an industry-wide quote request form click to view form in new window. This easy form eliminates the need for boring form submissions for every car insurance company. In just a few minutes this one form gets you coverage quotes instantly.
  2. Another way to obtain and compare quotes online requires a trip to the website of each company and complete a new quote form. For instance, we’ll assume you want to compare Progressive, Liberty Mutual and American Family. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

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

  3. The most time-consuming way of comparing rate quotes is driving around to and from local insurance agencies. Shopping for car insurance online eliminates the need for an insurance agent unless you prefer the professional guidance that only a license agent can provide. Drivers can comparison shop your insurance online and still use a local agent and we’ll talk about that later.

Whichever method you choose, make sure you use apples-to-apples coverage limits with every price quote. If each company quotes different values for each quote then you won’t be able to determine the lowest rate for your Mercedes-Benz CLS-Class.

Mercedes-Benz CLS-Class insurance rates consist of many parts

Smart consumers have a good feel for the different types of things that go into determining the rates you pay for insurance coverage. Understanding what impacts premium levels enables informed choices that may reward you with big savings.

Listed below are a partial list of the pieces insurance coverage companies consider when setting rates.

  • Your location is important – Being located in small towns and rural areas can be a good thing when it comes to insurance coverage. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large cities have to deal with much more traffic to deal with and longer commutes to work. More time on the road can result in more accidents.
  • Marriage pays dividends – Having a spouse actually saves money when buying insurance coverage. Having a spouse means you’re more mature and it’s statistically proven that married drivers get in fewer accidents.
  • Your age impacts your rates – Older insureds are more cautious drivers, tend to file fewer claims and get fewer tickets. Teen drivers have a tendency to be less responsible when behind the wheel and because of this, their insurance coverage rates are much higher.
  • Extra coverages can waste money – There are a ton of extra bells and whistles that you can buy when buying insurance coverage. Coverages like rental car reimbursement, towing coverage and membership fees are some examples. These may sound like a good investment at first, but your needs may have changed so get rid of them and save.
  • Clean credit earns discounts – Credit score is a important factor in determining what you pay for insurance coverage. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 2014 Mercedes-Benz CLS-Class by improving your credit score. People with high credit scores tend to be more responsible than drivers who have poor credit.

When might I need the advice of an agent?

When it comes to choosing the best insurance coverage coverage, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. For instance, these questions can help discover if your insurance needs would benefit from an agent’s advice.

  • Is extra glass coverage worth it?
  • When should my teen driver be added to my policy?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • When can my company non-renew my policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • How can I find cheaper teen driver insurance?
  • Where can I find DUI or SR-22 insurance?
  • When should I drop full coverage on my 2014 Mercedes-Benz CLS-Class?

If it’s difficult to answer those questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and may give you better protection.

Are you falling for claims of savings?

Consumers constantly see and hear ads for cheaper car insurance from companies such as Progressive, Allstate and Geico. All the companies make an identical promise that you can save if you switch your policy.

How do they all make the same claim?

All companies have a preferred profile for the type of driver that makes them money. For instance, a preferred risk might be over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A customer who fits that profile is entitled to the best price and most likely will save when they switch companies.

Consumers who fall outside the “perfect” profile will have to pay higher rates and ends up with the customer not buying. The ads say “customers who switch” not “everyone that quotes” save that much. That is how companies can truthfully claim big savings. Because of the profiling, you absolutely need to quote coverage with many companies. It’s impossible to know which insurance companies will have the lowest Mercedes-Benz CLS-Class insurance rates.

Car insurance coverages explained

Knowing the specifics of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be confusing and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.

Collision protection

This covers damage to your CLS-Class resulting from a collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, sustaining damage from a pot hole, damaging your car on a curb, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for rehabilitation expenses, chiropractic care, funeral costs and nursing services. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Mercedes-Benz CLS-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Liability auto insurance

This coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage 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 might see values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like bail bonds, pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like vandalism, damage from getting keyed and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Quote more, save more

When you buy insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced uninsured motorist or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

You just read a lot of techniques to lower your 2014 Mercedes-Benz CLS-Class insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from the least-expected company. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Allstate and Progressive.

Low-cost insurance is definitely available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

Even more information can be found by following these links: