Cheaper 2016 Mercedes-Benz CLS-Class Car Insurance Quotes

Drivers have many options when trying to find the lowest priced Mercedes-Benz CLS-Class insurance. You can either spend your time driving around getting price quotes or utilize the internet to find the lowest rates. There are both good and bad ways to buy auto insurance and you need to know the absolute fastest way to get price quotes for your Mercedes-Benz and obtain the lowest possible price either online or from local insurance agents.

Consumers should take time to compare rates at least once a year because prices tend to go up over time. Even if you think you had the best price for CLS-Class coverage on your last policy you can probably find a better rate now. Forget all the misinformation about auto insurance because you’re going to learn the best way to lower your annual insurance bill.

Get lower rates with these discounts

Insurance can be pricey, but companies offer discounts that could drop your premiums quite a bit. Some of these disounts will be visible when you get a quote, but lesser-known reductions have to be asked for in order for you to get them.

  • New Car Discount – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • Discount for Home Ownership – Just owning your own home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Renewal Discounts – A few companies allow discounts for switching policies before your current coverage expires. You can save around 10% with this discount.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Student Discount for Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in high school.
  • Claim Free – Insureds with no claims or accidents get the best insurance rates in comparison with drivers who are more careless.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Early Payment Discounts – If you pay your entire premium ahead of time rather than spreading payments over time you can avoid monthly service charges.

Remember that some credits don’t apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, nobody gets a free ride.

The best insurance companies and a partial list of their discounts are:

  • State Farm offers discounts for safe vehicle, Steer Clear safe driver discount, good driver, multiple policy, and passive restraint.
  • Farmers Insurance includes discounts for business and professional, early shopping, bundle discounts, multi-car, electronic funds transfer, mature driver, and distant student.
  • GEICO may include discounts for five-year accident-free, federal employee, membership and employees, seat belt use, and anti-theft.
  • American Family discounts include good driver, multi-vehicle, bundled insurance, defensive driver, TimeAway discount, and mySafetyValet.
  • Nationwide has savings for family plan, business or organization, accident-free, multi-policy, and good student.
  • Progressive has discounts for multi-policy, online quote discount, multi-vehicle, homeowner, good student, and online signing.

Before buying, ask every prospective company how many discounts you can get. A few discounts may not be offered in every state. To see providers with the best discounts, follow this link.

The quickest way to compare insurance rates from multiple companies takes advantage of the fact most of the larger companies pay for the opportunity to give free rates quotes. All consumers are required to do is provide the companies a bit of rating information like level of coverage desired, whether you have decent credit, if you lease or own, and what you do for a living. Your rating data is then sent to many of the top insurers and you will receive price estimates instantly.

If you would like to compare rates now, click here and see if a lower rate is available.

What affects Mercedes-Benz CLS-Class insurance costs?

It’s important that you understand the different types of things that go into determining the price you pay for car insurance. When you understand what determines base rates, this empowers consumers to make smart changes that will entitle you to cheaper rates. Multiple criteria are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving record, although some other factors are less apparent like where you live or your commute time.

The list below includes a few of the “ingredients” used by your company to calculate rates.

  • Responsible credit scores equal low costs – Having a bad credit score factor in calculating your car insurance rates. So if your credit rating is lower than you’d like, you may save money insuring your 2016 Mercedes-Benz CLS-Class by repairing your credit. Consumers who have excellent credit scores tend to file fewer claims and have better driving records than drivers who have lower credit ratings.
  • High insurance claims frequency drives up premiums – Insurance companies give most affordable rates to people who do not rely on their insurance for small claims. If you file a lot of claims you can definitely plan on higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that you cannot pay yourself.
  • Being married is a bonus – Your spouse may save some money on your car insurance bill. It is viewed as being more financially stable and it’s proven that being married results in fewer claims.
  • Better drivers pay better rates – Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. Only having one ticket may cause rates to rise forty percent or more. Drivers who have gotten careless violations like reckless driving or DUI are required to prove financial responsibility with their state motor vehicle department in order to prevent their license from being revoked.

Car insurance can be complex

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that may help you determine whether your personal situation may require specific advice.

  • When should I drop full coverage on my 2016 Mercedes-Benz CLS-Class?
  • How do I insure my teen driver?
  • Should I buy only the required minimum liability coverage?
  • What are the best liability limits?
  • What is the minimum liability in my state?
  • When would I need additional glass coverage?
  • What are the financial responsibility laws in my state?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CLS-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability

Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as loss of income, funeral expenses, repair costs for stationary objects and attorney fees. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from flooding, falling objects, fire damage, hail damage and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense insurance

Med pay and PIP coverage reimburse you for expenses for things like dental work, X-ray expenses, chiropractic care, prosthetic devices and doctor visits. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverage

Collision insurance pays for damage to your CLS-Class from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims like colliding with another moving vehicle, scraping a guard rail and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

A penny saved is a penny earned

As you shop your coverage around, you should never reduce needed coverages to save money. Too many times, an insured cut collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible for the lowest cost while still protecting your assets.

In this article, we covered a lot of ways to shop for 2016 Mercedes-Benz CLS-Class insurance online. It’s most important to understand that the more quotes you get, the higher your chance of finding low cost auto insurance. Consumers may even find the best price on insurance is with some of the lesser-known companies.

Drivers leave their current company for any number of reasons including extreme rates for teen drivers, lack of trust in their agent, poor customer service or not issuing a premium refund. It doesn’t matter what your reason, finding a new insurance company can be pretty painless.

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