Cheap 2007 Mercedes-Benz CL-Class Insurance Rates

Finding affordable insurance is always difficult for beginners to buying insurance online. There are so many choices that it can quickly become a challenge to compare prices.

Pay less by taking advantage of discounts

Car insurance companies don’t always list all available discounts very clearly, so we researched some of the more common and also the lesser-known discounts you could be receiving.

  • Club Memberships – Belonging to certain professional organizations could qualify you for a break when buying insurance for CL-Class insurance.
  • Multiple Cars – Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
  • E-sign – Certain companies may give you up to $50 for buying your policy over the internet.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for CL-Class insurance than less cautious drivers.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
  • Senior Discount – Mature drivers can possibly qualify for a discount up to 10% for CL-Class insurance.
  • Discount for Swiching Early – Select companies give a discount for buying a policy prior to your current policy expiration. The savings is around 10%.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Good Student Discount – This discount can save 20 to 25%. This discount can apply until age 25.

It’s important to note that most discounts do not apply the the whole policy. Most only apply to specific coverage prices like medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

Insurance companies who might offer these discounts include:

Check with every prospective company which discounts they offer. All car insurance discounts may not apply everywhere.

Mercedes-Benz CL-Class rates are complex

Smart consumers have a good feel for the different types of things that come into play when calculating insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with better insurance rates.

  • The more you drive the more you pay – Driving more miles each year the more you will pay for insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks not used for work or commuting qualify for better rates compared to those used for work or business. An improperly rated CL-Class can result in significantly higher rates. Ask your agent if your insurance coverage properly reflects the proper vehicle usage.
  • Big city or small town – Living in a rural area can save you money when insuring your vehicles. Fewer drivers means a lower chance of having an accident and a lower car theft rate. Urban drivers regularly have traffic congestion and much longer commute distances. Higher commute times means higher likelihood of an accident.
  • Equipment add-ons that lower insurance rates – Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for insurance? Occupations such as doctors, social workers and dentists tend to pay the highest average rates attributed to job stress and long work hours. Other occupations like scientists, historians and homemakers have the lowest average rates for CL-Class insurance.
  • Marriage brings a discount – Having a spouse can get you a discount on your insurance policy. It means you’re more mature than a single person and statistics show drivers who are married are more cautious.
  • Extra coverages can waste money – There are quite a few extra coverages that can waste your money if you aren’t careful. Coverages for rental car reimbursement, accident forgiveness and additional equipment coverage may be wasting your money. These coverages may sound good at first, but now you might not need them so eliminate them to save money.
  • High deductibles save money – Physical damage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims could be running into the backend of another car, damage from fire, and burglary. The more you have to pay, the less your company will charge you for insurance for CL-Class insurance.
  • Claim-free discounts can add up – If you frequently file small claims, you can expect either higher rates or even cancellation. Auto insurance companies provide cheaper rates to people who are claim-free. Car insurance is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions can help discover if your situation might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my cargo covered for damage or theft?
  • Do I have newly-aquired coverage?
  • What is the rate difference between pleasure use and commuting?
  • Am I getting all the discounts available?
  • Should I have combined single limit or split liability limits?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Who is covered when they drive my 2007 Mercedes-Benz CL-Class?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form.

Do drivers who switch really save?

Companies like 21st Century, Allstate and State Farm continually stream ads on TV and radio. All the ads have a common claim of big savings after switching to their company. But how can every company claim to save you money? This is how they do it.

Insurance companies have a preferred profile for the driver they prefer to insure. A good example of a profitable customer could possibly be over the age of 50, a clean driving record, and chooses high deductibles. A customer who meets those qualifications will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.

Consumers who don’t measure up to the requirements will have to pay higher rates and ends up with business not being written. The ad wording is “people who switch” but not “drivers who get quotes” save money. That is how companies can state the savings. Because of the profiling, it’s extremely important to quote coverage with many companies. Because you never know which company will fit your personal profile best.

Auto insurance coverages explained

Knowing the specifics of auto insurance can help you determine the best coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision insurance

This will pay to fix damage to your CL-Class resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, crashing into a ditch, scraping a guard rail and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mercedes-Benz CL-Class.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive or Other Than Collision

This covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, hail damage, rock chips in glass, falling objects and hitting a deer. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. It protects YOU against other people’s claims. It does not cover 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. You commonly see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability can pay for claims such as attorney fees, medical expenses and legal defense fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like surgery, funeral costs and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

The bottom line

People switch companies for a variety of reasons including delays in responding to claim requests, policy cancellation, not issuing a premium refund and even lack of trust in their agent. It doesn’t matter why you want to switch finding the right car insurance provider can be pretty painless.

Low-cost 2007 Mercedes-Benz CL-Class insurance can be sourced both online in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. Some insurance providers do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

In this article, we covered some good ideas how to compare insurance prices online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from some of the smallest insurance companies.

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