How Much Does 2007 Mercedes-Benz CLS-Class Insurance Cost?

Looking for the cheapest car insurance rates? Shoppers have a choice when shopping for the lowest priced Mercedes-Benz CLS-Class insurance. They can either waste time calling around to get rate comparisons or use the internet to make rate comparisons.

There are more efficient ways to compare car insurance rates and we’ll show you the proper way to price shop coverage for a new or used Mercedes-Benz and find the best price possible from both online companies and local agents.

Consumers should take time to compare prices yearly because insurance rates change regularly. Despite the fact that you may have had the best deal on CLS-Class insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because you’re about to find out the fastest way to find great coverage at a great price.

Parts of the Mercedes-Benz CLS-Class rate equation

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for car insurance. Understanding what determines base rates empowers consumers to make smart changes that may reward you with big savings.

The list below includes a partial list of the pieces used by your company to calculate rates.

  • Your spouse saves you money – Being married can actually save you money on your policy. Having a significant other is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
  • Do you need those extra coverages? – There are a lot of extra bells and whistles that you can get tricked into buying if you aren’t careful. Things like rental car reimbursement, accidental death and motor club memberships may be costing you every month. They may seem like a good idea when you first buy your policy, but if you don’t need them remove them from your policy.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the more you will pay for car insurance. Most insurance companies rate vehicles determined by how the vehicle is used. Cars that are left in the garage get more affordable rates than those used for commuting. An improperly rated CLS-Class can result in significantly higher rates. Verify your car insurance coverage is showing the proper vehicle usage.
  • Teen drivers pay high rates – Youthful drivers are known to be less responsible in a vehicle so car insurance rates are higher. Mature drivers tend to be more responsible, tend to cause fewer accidents and get fewer tickets.
  • Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Careers like doctors, social workers and financial analysts are shown to have higher average rates attributed to stressful work requirements and long work days. Conversely, occupations like farmers, engineers and performers pay the least on CLS-Class insurance.
  • Never allow your policy to lapse – Driving without insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will rates go up, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Lower rates with optional equipment – Owning a car with an alarm system can get you a discount on your car insurance. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent your car from being stolen.
  • Liability coverage is cheap – Liability coverage will protect you if a jury decides you are liable for damages caused by your negligence. Liability provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.

Car Insurance Prices

Getting a cheaper price on 2007 Mercedes-Benz CLS-Class insurance isn’t really that difficult. Consumers just need to take the time comparing rates from different insurance companies. This is very easy and can be done in a couple of different ways.

  1. The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating multiple quote forms to each individual car insurance company. One simple form gets you price quotes instantly. It’s definitely the quickest method.
  2. A different way to compare prices requires a trip to each company website to complete their respective quote request forms. For instance, we’ll pretend you want rates from Geico, Liberty Mutual and Progressive. You would have to visit each site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

However you get your quotes, make sure you use the exact same information for each price quote. If the quotes have unequal deductibles or liability limits it’s not possible to make an equal comparison.

Pay less for Mercedes-Benz CLS-Class insurance

Insurance can cost an arm and a leg, but there could be available discounts to help offset the cost. Some discounts apply automatically when you complete an application, but less common discounts must be asked for before you will receive the discount. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Accident Free – Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • No Charge for an Accident – A few companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for better insurance rates on CLS-Class insurance.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Use Seat Belts – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Savings – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

Keep in mind that most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. But all discounts will reduce the cost of coverage.

For a list of insurance companies with the best insurance discounts, click here.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions could help you determine if your situation might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Should I waive the damage coverage when renting a car?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is a blown tire covered by insurance?
  • Does liability extend to a camper or trailer?
  • Which companies will insure high-risk drivers?
  • Will my rates increase for filing one claim?
  • Am I missing any policy discounts?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need replacement cost coverage on my 2007 Mercedes-Benz CLS-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 an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of insurance can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and nobody wants to actually read their policy.

Collision coverage – Collision coverage covers damage to your CLS-Class from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, driving through your garage door, crashing into a building, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz CLS-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive protection – Comprehensive insurance will pay to fix 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 things like a broken windshield, hitting a deer, theft and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for expenses such as X-ray expenses, hospital visits, prosthetic devices, rehabilitation expenses and ambulance fees. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Coverage for liability – Liability insurance provides protection from damages or injuries you inflict on other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as funeral expenses, medical expenses, structural damage and loss of income. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

A fool and his money are soon parted

Discount 2007 Mercedes-Benz CLS-Class insurance can be purchased online as well as from independent agents, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

You just read some good ideas how to get a better price on insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the lowest priced auto insurance comes from a smaller regional carrier.

When you buy insurance online, it’s very important that you do not reduce needed coverages to save money. In many cases, someone dropped liability limits or collision coverage and learned later that the small savings ended up costing them much more. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Much more information about auto insurance is available at these links: