1998 Mercedes-Benz CLK-Class Car Insurance Rates

Finding low-cost insurance for a Mercedes-Benz CLK-Class can be an all-consuming task, but you can use our car insurance buying tips to save time.

There is a better way to shop for car insurance and we’ll show you the quickest way to compare rates for your Mercedes-Benz and get the lowest possible price from local insurance agents and online providers.

It’s important to compare prices occasionally due to the fact that insurance rates go up and down regularly. Even if you got the best price for CLK-Class coverage a year ago there is a good chance you can find better rates now. Starting now, block out anything you think you know about car insurance because you’re about to learn the quickest way to save money, get proper coverage and the best rates.

Pricing the lowest cost car insurance coverage is quite easy. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates while maximizing coverage. Consumers only need to know the most efficient way to compare prices over the internet.

Save money by taking advantage of these discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time you complete a quote, but some may not be applied and must be inquired about before they will apply. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class in high school.
  • Theft Prevention Discount – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Defensive Driver – Taking part in a driver safety course can save you 5% or more if you qualify.
  • Discount for Good Grades – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Drive Less and Save – Driving fewer miles can earn better rates on cars that stay parked.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.
  • Accident Waiver – Some insurance companies will forgive one accident before your rates go up so long as you haven’t had any claims for a certain period of time.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will reduce the cost of coverage.

Companies that may have some of the above discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts might not apply in your area.

These factors can influence Mercedes-Benz CLK-Class insurance rates

It’s important that you understand the different types of things that help determine insurance coverage rates. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get lower insurance coverage prices.

  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you when you are found liable for personal injury or accident damage. It provides legal defense coverage up to the limits shown on your policy. Liability insurance is quite affordable as compared to coverage for physical damage, so buy as much as you can afford.
  • Lower miles equals lower premium – Driving more miles in a year the more you will pay for insurance coverage. Most insurance companies price each vehicle’s coverage based on their usage. Cars and trucks used primarily for pleasure use receive lower rates than those used for commuting. Improper usage on your CLK-Class can result in significantly higher rates. Double check that your insurance coverage coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Better credit scores mean better rates – A driver’s credit score is a huge factor in determining what you pay for insurance coverage. People with good credit tend to be more responsible than drivers with lower credit scores. Therefore, if your credit score is low, you could pay less to insure your 1998 Mercedes-Benz CLK-Class by repairing your credit.
  • Marriage pays dividends – Being married actually saves money on your insurance coverage policy. Having a significant other means you’re more mature and statistics show married couples file fewer claims.

When should I use an insurance agent?

When it comes to buying proper insurance coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that could help you determine whether your personal situation could use an agent’s help.

  • Can my teen drive my company car?
  • Am I covered when delivering products for my home-based business?
  • Can I drive in Mexico and have coverage?
  • Which companies will insure high-risk drivers?
  • What is high-risk coverage and where do I buy it?
  • Is upholstery damage covered by car insurance?
  • When can my company non-renew my policy?
  • Do I have coverage when using my vehicle for my home business?
  • What can I do if my company won’t pay a claim?

If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage specifics

Having a good grasp of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like EMT expenses, ambulance fees, surgery, prosthetic devices and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision protection

Collision coverage will pay to fix damage to your CLK-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 crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Liability coverages

This can cover damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you from claims by other people. It does not 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 liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, funeral expenses and medical expenses. How much liability should you purchase? That is a personal decision, but consider buying as much as you can afford.

Uninsured/Underinsured Motorist coverage

This gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your 1998 Mercedes-Benz CLK-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as vandalism, fire damage, a tree branch falling on your vehicle and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Make a quick buck

In this article, we presented quite a bit of information on how to reduce 1998 Mercedes-Benz CLK-Class insurance prices online. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Consumers could even find that the biggest savings come from some of the lesser-known companies.

Low-cost insurance is possible on the web as well as from independent agents, and you need to price shop both to have the best selection. Some insurance providers don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

When you buy insurance online, you should never skimp on coverage in order to save money. In many cases, consumers will sacrifice physical damage coverage only to regret that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price while still protecting your assets.

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