Lower Your 2014 Mercedes-Benz CLA-Class Insurance Quotes

Searching for cheaper insurance coverage rates for your Mercedes-Benz CLA-Class? Nobody I know cherishes buying insurance coverage, in particular when they are paying too much. Drivers have so many insurance companies to purchase coverage from, and though it is a good thing to have a selection, it makes it harder to adequately compare rates.

You should take the time to get comparison quotes before your policy renews due to the fact that insurance rates are constantly changing. Just because you found the lowest rates for CLA-Class coverage a year ago there may be better deals available now. Forget all the misinformation about insurance coverage because you’re about to learn one of the best ways to lower your rates without sacrificing coverage.

How to Compare Insurance Coverage Costs

Comparing insurance coverage rates can take hours if you don’t understand the easiest way. You can waste hours talking to local insurance agents in your area, or you could save time and use online quotes to get the quickest rates.

Most car insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and each company then gives them pricing based on that information. This saves time by eliminating form submissions for every insurance coverage company.

To participate in this free quote system, click here (opens in new window).

The only downside to getting quotes like this is you are unable to specify which providers you want to price. So if you want to choose specific insurance companies for rate comparison, we put together a list of insurance coverage companies in your area. Click to view list.

Whichever way you use, ensure you’re using exactly the same information for every quote you compare. If you compare different values for each quote then you won’t be able to find the best deal for your Mercedes-Benz CLA-Class.

Save $472 a year? Really?

Consumers get pounded daily by advertisements for the lowest price auto insurance from the likes of Geico, State Farm and Progressive. They all make the same claim of big savings if you switch your coverage to them.

But how can every company make the same claim?

Different companies have a preferred profile for the driver that makes them money. For example, a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and has great credit. A propective insured that hits that “sweet spot” receives the best rates and therefore will save quite a bit of money when switching.

Consumers who fall outside the “perfect” profile will be charged a higher premium which usually ends up with business not being written. The ad wording is “customers that switch” not “people who quote” save that much. That is how insurance companies can confidently claim big savings.

That is why drivers should get as many comparisons as possible. It’s not possible to predict which insurance companies will give you the biggest savings on Mercedes-Benz CLA-Class insurance.

Mercedes-Benz CLA-Class premiums are determined by many factors

Smart consumers have a good feel for some of the elements that come into play when calculating car insurance rates. Understanding what determines base rates enables informed choices that can help you get big savings.

  • How your age affects price – Teen drivers tend to get distracted easily in a vehicle so they pay higher car insurance rates. Mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Where do you drive? – Driving more miles each year the more you’ll pay to insure your vehicle. Most companies apply a rate based on how the vehicle is used. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your car insurance coverage is rated on the proper vehicle usage, because it can save money. Incorrect usage on your CLA-Class can cost quite a bit.
  • Never let your coverage lapse – Not having insurance can get your license suspended and as a result your rates will increase for letting your insurance expire. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a revoked license or a big fine.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Males pay more for insurance – Statistics show women are more cautious behind the wheel. Now that doesn’t mean women are BETTER drivers than men. They both have accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically receive more costly citations such as DWI and reckless driving.
  • Liability coverage protects you – The liability section of your policy will protect you when a court rules you are at fault for damages from an accident. It provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • High deductibles save money – Physical damage coverage, otherwise known as comp (or other than collision) and collision, protects your Mercedes-Benz from damage. Examples of covered claims could be collision with another vehicle, vandalism, and burglary. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket in the event of a claim. The more expense you’re willing to pay, the less your car insurance will be for CLA-Class coverage.
  • Claim-free discounts can add up – If you file claims often, you can look forward to either higher rates or even cancellation. Car insurance companies provide lower rates to insureds who are claim-free. Car insurance is intended for larger claims.

Save with discounts on 2014 Mercedes-Benz CLA-Class insurance

Car insurance is not cheap, but you may find discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specially asked for before being credited. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • Employee of Federal Government – Simply working for the federal government can save as much as 8% for CLA-Class coverage with a few auto insurance companies.
  • Good Student Discount – Getting good grades can save 20 to 25%. The good student discount can last up to age 25.
  • No Claims – Drivers who don’t have accidents can earn big discounts when compared with frequent claim filers.
  • Anti-theft Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Resident Student – Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiring. It can save you around 10%.
  • Senior Discount – Older drivers may be able to get reduced rates for CLA-Class coverage.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing digitally online.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your medical payments premium.

Drivers should understand that most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies with discount auto insurance rates, click here.

Tailor your coverage to you

When choosing adequate coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out whether you may require specific advice.

  • How high should my medical payments coverage be?
  • Are my friends covered when driving my car?
  • Am I covered if hit by an uninsured driver?
  • When would I need additional glass coverage?
  • Am I covered if I hit a deer?
  • What is the rate difference between pleasure use and commuting?
  • Can I rent a car in Mexico?
  • Will I be non-renewed for getting a DUI or other conviction?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It only takes a few minutes and can help protect your family.

Information about specific coverages

Having a good grasp of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills like hospital visits, funeral costs, doctor visits and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, vandalism and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz CLA-Class.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as rolling your car, crashing into a ditch, damaging your car on a curb and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Auto liability insurance – Liability insurance provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, structural damage and attorney fees. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Be a money saver!

You just learned many tips how you can reduce 2014 Mercedes-Benz CLA-Class insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. You may even find the biggest savings come from a small local company. Smaller companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Lower-priced insurance is definitely available both online and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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