Cheap 2008 Mercedes-Benz CLK-Class Car Insurance Cost

Feel like you’re a prisoner to an overpriced auto insurance policy? Believe me when I say you’re not the only one.

Numerous auto insurance companies battle for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the best price available.

You need to compare prices at least once a year due to the fact that insurance rates are usually higher with each renewal. If you had the best price for CLK-Class insurance two years ago you may be paying too much now. So just ignore everything you know about auto insurance because I’m going to teach you the best methods to lower your annual insurance bill.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using these methods. Choosing the best insurance company for you is not that difficult. But consumers must comprehend how big insurance companies determine prices because it can help you find the best coverage.

Take discounts and save

The price of auto insurance can be rather high, but there could be available discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be requested specifically before they will apply.

  • Homeowners Discount – Owning a house can help you save on auto insurance because maintaining a house demonstrates responsibility.
  • Club Memberships – Being a member of a qualifying organization could trigger savings when buying auto insurance for CLK-Class insurance.
  • Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for CLK-Class insurance than drivers with accident claims.
  • Defensive Driver – Taking part in a course teaching defensive driving skills could save 5% or more if your company offers it.
  • Government Employees – Simply working for the federal government can save as much as 8% for CLK-Class insurance with select insurance companies.
  • Discount for Good Grades – This discount can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Early Signing – Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
  • Multiple Cars – Buying insurance for all your vehicles on one policy qualifies for this discount.

Consumers should know that most credits do not apply to the entire cost. Most only apply to individual premiums such as collision or personal injury protection. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. But any discount will reduce the amount you have to pay.

Car insurance companies that may offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts they offer. Savings might not be offered in your area.

Comprehensive Car Insurance Comparison

There are a lot of ways to shop for car insurance, and some are more efficient than others. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get prices fast.

Most major companies take part in a program that allows shoppers to submit their information once, and each company can provide price quotes based on that data. This prevents consumers from doing quote requests for each company you want a rate for. To access this free quoting program, click to open in new window.

The only drawback to using this type of system is buyers cannot specifically choose which providers you will receive quotes from. If you would rather choose individual companies to request quotes from, we have a listing of car insurance companies in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use exactly the same information with each company. If you use mixed coverages you can’t possibly decipher which rate is best. Just a small difference in limits may result in large price differences. And when price shopping your coverage, comparing a large number of companies gives you a better chance of getting the best rates.

Which policy gives me the best coverage?

When it comes to buying coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions can help discover if your situation would benefit from professional advice.

  • Does my policy pay for OEM or aftermarket parts?
  • Does coverage extend to Mexico or Canada?
  • Are split liability limits better than a combined single limit?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have coverage when using my vehicle for my home business?
  • Where can I find high-risk insurance?
  • What is PIP insurance?
  • Is a blown tire covered by insurance?
  • Am I getting all the discounts available?
  • Is other people’s property covered if stolen from my vehicle?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Understanding the coverages of auto insurance helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are the normal coverages found on the average auto insurance policy.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage pay for immediate expenses for dental work, hospital visits, doctor visits, surgery and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz CLK-Class.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Comprehensive insurance – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, damage from getting keyed and hail damage. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance will pay to fix damage to your CLK-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with another moving vehicle, driving through your garage door, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Liability coverages – This coverage can cover injuries or damage you cause to people or other property that is your fault. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as court costs, attorney fees and funeral expenses. How much liability coverage do you need? That is your choice, but buy as high a limit as you can afford.

Don’t break the bank

You just read many ways to lower your 2008 Mercedes-Benz CLK-Class insurance rates. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even discover the best prices are with the smaller companies. Smaller companies may cover specific market segments cheaper as compared to the big name companies such as Allstate and Progressive.

Lower-priced insurance is definitely available both online and with local insurance agents, so you should compare both so you have a total pricing picture. Some auto insurance companies do not offer the ability to get a quote online and usually these small, regional companies provide coverage only through local independent agents.

More information is located on the following sites: