2014 Mercedes-Benz CLS-Class Car Insurance Quotes

Consumers have a choice when looking for affordable Mercedes-Benz CLS-Class insurance. You can either spend your time contacting agents getting price quotes or use the internet to find the lowest rates.

There are both good and bad ways to find insurance coverage online so you’re going to learn the quickest way to compare rates for your Mercedes-Benz and find the lowest possible price either online or from local insurance agents.

Smart consumers take time to do rate comparisons once or twice a year because prices are usually higher with each renewal. Even if you got the best rates for CLS-Class coverage six months ago there may be better deals available now. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this article is to help educate you on how to get online quotes. If you currently have a car insurance policy, you will be able to cut costs considerably using these techniques. Drivers just need to learn the proper methods to compare company rates on the web.

Insurance Comparisons

All major insurance companies like Progressive, Allstate and Geico quote insurance quotes directly from their websites. The process is fairly straightforward as you just type in the coverage amounts you desire into a form. After you submit the form their rating system will order reports for credit and driving violations and quotes a price determined by many factors.

Being able to quote online makes comparing rates easy, but having to visit a lot of sites and type in the same information can get tiresome after awhile. But it is imperative to have as many quotes as possible if you are searching for lower prices.

The easiest way to compare rates uses one form to return rates from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much easier. Immediately after submitting the form, it is rated with multiple companies and you can pick any of the quotes returned.

If the quotes result in lower rates, you can click and sign and purchase the new policy. This process takes less than 15 minutes and may save quite a bit of money.

To save time and compare rates using this form now, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you type in your coverages exactly as they are listed on your policy. This guarantees you’re receiving a price comparison using the exact same coverages.

Pay less by taking advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but a few need to be asked for before you will receive the discount. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims prior to the accident.
  • Military Discounts – Being on active duty in the military could mean lower rates.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • Distant Student – Children who are attending college and do not have a car can be insured at a reduced rate.
  • Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of 20% or more.

Keep in mind that most discounts do not apply to your bottom line cost. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

Insurance companies that may have these benefits may include but are not limited to:

It’s a good idea to ask each company what discounts are available to you. Some discounts may not be available in your state.

Your coverage should be tailored to you

When buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

For example, these questions can help discover if your situation could use an agent’s help.

  • Should I waive the damage coverage when renting a car?
  • Should I buy only the required minimum liability coverage?
  • How high should deductibles be on a 2014 Mercedes-Benz CLS-Class?
  • Is a new car covered when I drive it off the dealer lot?
  • Will my insurance pay for OEM parts?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I covered by my spouse’s policy after a separation?
  • Do I need rental car coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.

Pieces of the Mercedes-Benz CLS-Class insurance rate puzzle

Smart consumers have a good feel for some of the elements that come into play when calculating insurance coverage rates. Understanding what determines base rates empowers consumers to make smart changes that could result in lower insurance coverage prices.

The list below includes some of the factors used by your company to calculate premiums.

  • With age comes lower rates – Youthful drivers have a tendency to be more careless when driving so they pay higher insurance coverage rates. Parents adding a young driver to your policy can be very expensive. More mature drivers are viewed as being more responsible, statistically cause fewer accidents and get fewer tickets.
  • Rates may be lower depending on your job – Jobs such as lawyers, architects and financial analysts tend to pay higher average rates due to job stress and long work days. Conversely, professions such as pilots, engineers and the unemployed have the lowest average rates for CLS-Class coverage.
  • Keep rates low by being claim-free – Insurance companies give cheaper rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can expect either a policy non-renewal or much higher rates. Car insurance is designed for the large, substantial claims.
  • Bad driving skills means higher rates – Only having one moving violation can bump up the cost by as much as thirty percent. Drivers who don’t get tickets receive lower rates than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) with their state DMV in order to continue driving.

Parts of your insurance policy

Learning about specific coverages of insurance helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Comprehensive insurance – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, fire damage, rock chips in glass and hitting a bird. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverages – This will pay to fix damage to your CLS-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as driving through your garage door, colliding with a tree, colliding with another moving vehicle, hitting a parking meter and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like doctor visits, rehabilitation expenses, hospital visits and dental work. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability – This can cover damages or injuries you inflict on other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, repair costs for stationary objects and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

One last thing

Low-cost 2014 Mercedes-Benz CLS-Class insurance is available on the web and also from your neighborhood agents, and you need to comparison shop both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and these regional insurance providers work with independent agents.

Insureds leave their current company for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, being labeled a high risk driver and an unsatisfactory settlement offer. It doesn’t matter what your reason, switching companies is pretty simple and you could end up saving a buck or two.

When shopping online for auto insurance, do not reduce needed coverages to save money. Too many times, an insured dropped comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best price while not skimping on critical coverages.

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