2016 Mercedes-Benz CLA-Class Insurance Quotes

Want lower insurance rates for your Mercedes-Benz CLA-Class? Are you kicking yourself for buying overpriced insurance? Trust us when we tell you there are many drivers thinking the same thing. You have multiple car insurance companies to purchase coverage from, and although it’s nice to have a selection, more options can take longer to find the lowest cost provider.

You need to do price comparisons once or twice a year since prices go up and down regularly. Even if you think you had the lowest price for CLA-Class coverage two years ago a different company probably has better rates today. You can search a lot of insurance online but in just a couple of minutes you can learn some great ways to slash your insurance rates.

Where can I get the cheapest insurance?

Finding cheaper insurance rates is not a difficult process. The only requirement is to spend a few minutes on the computer to get quotes online with multiple companies. It is quite easy and can be accomplished using one of these methods.

If you don’t have a lot of time, the easiest way to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This easy form eliminates the need for separate quotes for each company. Taking the time to complete one form gets you coverage quotes instantly.

A slightly less efficient method to find lower rates is to manually visit the website for every company you want to comare and fill out a new quote form. For instance, we’ll assume you want to compare prices for Geico, Liberty Mutual and American Family. You would be required to navigate to each company’s site and punch in your information repeatedly, which is why the first method is quicker. For a list of links to companies insuring cars in your area, click here.

The most difficult method to get rate quotes to different agent offices. The ability to buy insurance online eliminates this option unless you’re the type of person who wants the professional abilities that only a licensed agent can provide. However, consumers can obtain prices from the web but still have the advice of a local agent.

It’s up to you how you get prices quotes, just ensure you are comparing nearly identical quote data with every price quote. If your comparisons have unequal deductibles or liability limits you will not be able to determine which company has the best rates.

Find hidden discounts to get affordable insurance coverage quotes

Some insurers don’t always list every discount they offer in an easy-to-find place, so the list below contains some of the more common and also the more inconspicuous credits available to lower your premiums when you buy car insurance online.

  • Accident Waiver – Not necessarily a discount, but certain companies may permit one accident without getting socked with a rate hike as long as you don’t have any claims for a specific time period.
  • Military Deployment Discount – Having a deployed family member could qualify you for better rates.
  • Government Employees – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for CLA-Class coverage with select insurance companies.
  • Passenger Safety Discount – Factory air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Safety Course Discount – Taking a defensive driving course could possibly earn you a 5% discount and also improve your driving technique.

Don’t be surprised that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, it just doesn’t work that way.

Car insurance companies that may have most of these discounts include:

If you need inexpensive car insurance quotes, ask every prospective company to give you their best rates. Depending on the company, some discounts may not be available in your area. To see providers who offer insurance coverage discounts, click here to view.

Tailor your car insurance coverage to you

When buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance should reflect that For example, these questions might help in determining whether or not you could use an agent’s help.

  • Is my babysitter covered when using my vehicle?
  • Is business equipment covered while in my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much can I save by bundling my policies?
  • Can I afford to buy a different vehicle if my 2016 Mercedes-Benz CLA-Class is totaled?
  • Do I have coverage when pulling a U-Haul trailer?
  • Who is covered when they drive my 2016 Mercedes-Benz CLA-Class?
  • Can I drive in Mexico and have coverage?
  • Is my 2016 Mercedes-Benz CLA-Class covered for smoke damage?
  • Does liability extend to a camper or trailer?

If you can’t answer these questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It’s fast, free and can help protect your family.

Auto insurance policy coverages for a 2016 Mercedes-Benz CLA-Class

Having a good grasp of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on most auto insurance policies.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for expenses for things like funeral costs, X-ray expenses, chiropractic care and doctor visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CLA-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive auto insurance

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as rock chips in glass, hail damage, damage from getting keyed, a broken windshield and a tree branch falling on your vehicle. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays for damage to your CLA-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, sideswiping another vehicle, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Liability car insurance

Liability insurance provides protection from damage that occurs to other’s property or people. It protects you against claims from other people, and does not provide coverage for 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 values 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 property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as pain and suffering, emergency aid, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is up to you, but you should buy as large an amount as possible.