How Much Does 2017 Mercedes-Benz CLS-Class Insurance Cost?

Looking for the cheapest insurance rates for your Mercedes-Benz CLS-Class? Are you tired of trying to scrape together enough money to keep your car insured? You have the same problem as many other drivers.

Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with ads and it can be hard to ignore the flashy ads and do the work needed to find the best deal.

If you are paying for car insurance now, you will be able to save some money using these tips. Choosing the best insurance company for you is quite easy. Although drivers can benefit from knowing how insurance companies market insurance on the web.

Don’t overlook these insurance coverage discounts

Insurance coverage is not cheap nor is it fun to buy but you might be missing out on some discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings. If you do not double check each discount you deserve, you may be paying too high a price.

  • College Student Discount – Youth drivers living away from home attending college and don’t have a car may qualify for this discount.
  • Professional Organizations – Participating in a civic or occupational organization could qualify you for a break on your policy.
  • Homeowners Savings – Owning your own home or condo can save you money since home ownership requires a higher level of personal finance.
  • Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. Many companies even apply the discount to college students well after school through age 25.
  • E-sign – A handful of insurance companies provide a small discount for completing your application over the internet.

As a sidenote, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount should help reduce your insurance coverage premiums.

Companies and a selection of discounts can be found below.

  • State Farm has discounts for passive restraint, accident-free, anti-theft, multiple autos, and good student.
  • GEICO offers discounts for driver training, seat belt use, five-year accident-free, federal employee, and daytime running lights.
  • Allstate policyholders can earn discounts including senior citizen, premier discount, utility vehicle, multi-policy, and anti-theft.
  • SAFECO may have discounts that include anti-lock brakes, multi-car, safe driver, bundle discounts, homeowner, and teen safety rewards.
  • Farm Bureau discounts include safe driver, 55 and retired, driver training, multi-vehicle, multi-policy, youthful driver, and good student.
  • Progressive includes discounts for online signing, continuous coverage, online quote discount, multi-vehicle, homeowner, good student, and multi-policy.
  • AAA may include discounts for pay-in-full, anti-theft, AAA membership discount, multi-policy, multi-car, good driver, and good student.

Before buying, ask each insurance company to apply every possible discount. Some discounts listed above may not apply everywhere. To choose companies who offer cheap insurance coverage quotes, click here to view.

The quickest method to compare rates is to realize most of the bigger providers will pay a fee to give you rate quotes. To start a quote, the only thing you need to do is provide information including if you require a SR-22, if you went to college, if you have a valid license, and if it has an anti-theft system. That rating data is submitted instantly to multiple different insurance companies and you should receive rate quotes within a short period of time.

When to get professional advice

When it comes to buying proper insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. For example, these questions might help in determining if you will benefit from professional help.

  • When can I cancel my policy?
  • What is UM/UIM insurance?
  • When would I need rental car insurance?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I need roadside assistance coverage?
  • Does my policy cover me when driving someone else’s vehicle?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills for things like funeral costs, chiropractic care and X-ray expenses. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Collision – This coverage pays for damage to your CLS-Class resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, hitting a mailbox, damaging your car on a curb and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Liability car insurance – This coverage provides protection from injuries or damage you cause to other’s property or people in an accident. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like legal defense fees, funeral expenses and structural damage. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Comprehensive coverages – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as hitting a deer, hail damage, damage from a tornado or hurricane and falling objects. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Save your cold hard cash

As you prepare to switch companies, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where someone sacrificed collision coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Cheaper insurance coverage is possible on the web and with local insurance agents, and you should compare rates from both to have the best selection. Some companies do not provide the ability to get a quote online and these small, regional companies sell through independent agents.

In this article, we covered a lot of techniques to save on 2017 Mercedes-Benz CLS-Class insurance. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising. They can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

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