Cheap 2015 Mercedes-Benz CLA-Class Insurance Rates

Looking for lower insurance rates for your Mercedes-Benz CLA-Class? Finding low-cost insurance for a new or used Mercedes-Benz CLA-Class can normally be difficult, but you can use the following methods to find lower rates. There is a better way to buy insurance and we’ll show you the best way to compare rates on a Mercedes-Benz and locate the cheapest rates from local insurance agents and online providers.

Fast and Easy Insurance Coverage Quotes

Finding lower insurance coverage rates is surprisingly easy. Consumers just need to spend a little time getting comparison quotes from different insurance companies. This can be done in several different ways.

  1. Probably the best way to get quotes is a comparison rater form click here to open form in new window. This type of form eliminates the need for repetitive form submissions for each company you want a rate for. Taking the time to complete one form will return price quotes from many national carriers. This is perfect if you don’t have a lot of time.
  2. A less efficient way to shop for insurance coverage online requires a visit to the website of each company and request a quote. For examples sake, we’ll pretend you want to compare Progressive, State Farm and Travelers. To get rate quotes you would need to visit each site and enter your information, which is why most consumers use the first method.

    To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just make absolute certain that you use identical coverages and limits for each price quote. If you compare unequal deductibles or liability limits it’s not possible to determine the best price for your Mercedes-Benz CLA-Class.

Beware of misleading auto insurance ads

Consumers constantly see and hear ads for car insurance savings from the likes of Progressive, Geico, Allstate and State Farm. They all seem to make an identical promise that you can save after switching your coverage to them.

But how can every company make the same claim?

Insurance companies are able to cherry pick for the type of driver that earns them a profit. An example of a desirable insured could be between 30 and 50, a clean driving record, and has a high credit rating. A customer getting a price quote who matches those parameters is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who do not match this ideal profile must pay a more expensive rate and ends up with the customer not buying. The ads say “drivers who switch” not “everybody who quotes” save that kind of money. That’s why insurance companies can confidently advertise the way they do. This illustrates why you should get quotes from several different companies. You cannot predict the company that will provide you with the cheapest Mercedes-Benz CLA-Class insurance rates.

Discounts mean cheaper Mercedes-Benz CLA-Class insurance rates

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so here is a list both the well known as well as the least known ways to save on insurance. If you aren’t receiving every discount available, you are throwing money away.

  • New Vehicle Savings – Insuring a new car can cost up to 25% less compared to insuring an older model.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if offered at their school.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Paperwork-free – Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • No Claims – Good drivers with no accidents can earn big discounts compared to drivers who are more careless.
  • Defensive Driver – Completing a course in driver safety can save you 5% or more depending on where you live.
  • Student in College – Youth drivers living away from home attending college and do not have a car can receive lower rates.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Homeowners Discount – Owning a house can save you money because owning a home shows financial diligence.

Keep in mind that most discount credits are not given to the entire cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

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

Tailor your coverage to you

When it comes to choosing adequate coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight if your insurance needs will benefit from professional help.

  • Should I have combined single limit or split liability limits?
  • Where can I get insurance after a DUI in my state?
  • Does coverage extend to my business vehicle?
  • Does car insurance cover theft of personal property?
  • Am I covered when driving a rental car?
  • Am I covered when pulling a rental trailer?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can help protect your family.

Specific coverage details

Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for bills like surgery, dental work, nursing services, pain medications and hospital visits. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a bird, fire damage, falling objects and rock chips in glass. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, crashing into a ditch and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Auto liability

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like medical expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CLA-Class.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Shop Smart and Save

Drivers who switch companies do it for many reasons like policy non-renewal, delays in responding to claim requests, policy cancellation or even being labeled a high risk driver. It doesn’t matter what your reason, finding a new car insurance company is not as difficult as it may seem.

Cost effective 2015 Mercedes-Benz CLA-Class insurance is available from both online companies and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

We just showed you quite a bit of information on how to reduce insurance prices online. The key thing to remember is the more you quote, the better your chances of lowering your rates. Consumers could even find that the most savings is with the least-expected company.

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