2011 Mercedes-Benz CL-Class Car Insurance Quotes – 9 Ways to Save

I can’t think of anyone who looks forward to paying for auto insurance, especially knowing they are paying too much. You have multiple insurance companies to insure vehicles with, and though it is a good thing to be able to choose, it can be more challenging to get the best deal.

Buying the best coverage is not that difficult. If you have a current insurance policy or need a new policy, you will benefit by learning to cut your premiums while maximizing coverage. Vehicle owners just need to understand the most effective way to get comparison rates online.

Do you qualify for these nine discounts?

The price of auto insurance can be rather high, but there could be available discounts to reduce the price significantly. Certain discounts will be triggered automatically at quote time, but a few need to be requested specifically before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off your medical payments premium.
  • Multiple Cars – Buying insurance for all your vehicles on one policy can get a discount on all vehicles.
  • Accident Waiver – Certain companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a set time period.
  • Auto/Home Discount – If you have multiple policies with one insurance company you may save up to 20% off your total premium.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Own a Home – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
  • Resident Student – Children who live away from home without a vehicle on campus may be able to be covered for less.
  • Defensive Driver – Taking a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Discount for Life Insurance – Select insurance companies reward you with better rates if you take out a life insurance policy as well.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But all discounts will help reduce the amount you have to pay.

A partial list of companies that possibly offer these benefits include:

It’s a good idea to ask each company which discounts they offer. Discounts may not apply in your state.

Don’t assume everyone needs the same coverage

When it comes to choosing the right insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions could help you determine if you could use an agent’s help.

  • What vehicles should carry emergency assistance coverage?
  • When would I need additional glass coverage?
  • Is pleasure use cheaper than using my 2011 Mercedes-Benz CL-Class to commute?
  • Where can I get insurance after a DUI in my state?
  • Is my state a no-fault state?
  • What is high-risk coverage and where do I buy it?
  • Exactly who is provided coverage by my policy?
  • Does insurance cover damages from a DUI accident?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

The insurance coverage bait and switch

Consumers get pounded daily by advertisements that promise big savings by companies like State Farm, Allstate and Geico. All the ads make an identical promise that you’ll save big after switching to them.

How do they all make the same claim? It’s all in the numbers.

All companies are able to cherry pick for the driver that earns them a profit. For instance, a preferred risk could possibly be between 30 and 50, a clean driving record, and has great credit. A customer that hits that “sweet spot” is entitled to the best price and therefore will save quite a bit of money when switching.

Potential customers who don’t qualify for the “perfect” profile will be quoted a higher premium which leads to business going elsewhere. The ads say “drivers who switch” not “everybody who quotes” save that much money. This is how companies can advertise the way they do.

This emphasizes why drivers must compare many company’s rates. It is impossible to predict which insurance coverage company will provide you with the cheapest Mercedes-Benz CL-Class insurance rates.

What auto insurance coverages do you need?

Knowing the specifics of auto insurance helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. These are typical coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CL-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Liability coverage – This coverage will cover damage that occurs to other’s property or people in an accident. It consists of 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 values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, medical expenses and pain and suffering. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – Collision coverage will pay to fix damage to your CL-Class caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, driving through your garage door and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, theft and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like surgery, ambulance fees and pain medications. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Money doesn’t grow on trees

We just presented many ways to compare 2011 Mercedes-Benz CL-Class insurance prices online. The most important thing to understand is the more providers you compare, the better your comparison will be. Drivers may discover the best prices are with some of the smallest insurance companies. Regional companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage for the lowest price, not the least amount of coverage.

Cheap insurance can be found online as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies don’t offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

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