2016 Mercedes-Benz CLS-Class Insurance Rates – 10 Tips to Save

Trying to find better auto insurance rates for your Mercedes-Benz CLS-Class? Being forced to pay for expensive auto insurance premiums can dwindle your monthly budget and require stricter spending habits.

You have multiple insurers to insure vehicles with, and even though it’s nice to have a choice, too many choices makes it more difficult to find a good deal.

Do you qualify for discount car insurance?

Some companies don’t necessarily list all possible discounts very clearly, so we took the time to find some of the more common as well as some of the hidden car insurance savings.

  • Driver Training Discounts – Taking part in a class that teaches defensive driver techniques could cut 5% off your bill if your company offers it.
  • E-sign Discounts
  • Early Signing – Select insurance companies give a discount for switching policies prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.
  • Accident Forgiveness – Not really a discount, but companies like Progressive, Allstate, and Geico will let one accident slide before hitting you with a surcharge so long as you are claim-free prior to being involved in the accident.
  • Good Driver Discount – Drivers who avoid accidents may save up to 50% more on CLS-Class coverage than drivers with accidents.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save a little off the personal injury premium cost.
  • Homeowners Savings – Owning your own home or condo can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.
  • Distant Student – who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
  • Multiple Policy Discount – When you have multiple policies and place coverage with the same company they may give you a discount of up to 20% off your total premium.

One last thing about discounts, most discounts do not apply the the whole policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, it’s just not the way it works.

To see a list of companies who offer discounts, click this link.

The easiest way to compare car insurance company rates is to take advantage of the fact auto insurance companies will pay a fee to provide you with free rate quotes. To start a quote, the only thing you need to do is provide details such as if you require a SR-22, if you went to college, how much you drive, and what you do for a living. Those rating factors is instantly provided to multiple top-rated companies and you get price estimates with very little delay.

If you would like to start a quote now, click here and find out if you can get cheaper insurance.

What insurance coverages do I need?

When it comes to buying adequate coverage, there really is not a one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if you would benefit from an agent’s advice.

  • Should I buy full coverage?
  • What is the minimum liability in my state?
  • Will filing a claim cost me more?
  • What is UM/UIM insurance?
  • Do I need an umbrella policy?
  • Does having multiple vehicles earn me a discount?
  • Do I really need UM/UIM coverage?
  • Am I covered when delivering products for my home-based business?
  • Is my 2016 Mercedes-Benz CLS-Class covered for smoke damage?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Specifics of your insurance policy

Learning about specific coverages of insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Coverage for collisions

This coverage will pay to fix damage to your CLS-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 things such as crashing into a building, sideswiping another vehicle, scraping a guard rail, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance can cover damage that occurs to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things like loss of income, emergency aid, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, chiropractic care, funeral costs and nursing services. They can be used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Your UM/UIM coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like rock chips in glass, a tree branch falling on your vehicle and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Final thoughts

Throughout this article, we presented some good ideas how to lower your 2016 Mercedes-Benz CLS-Class insurance rates. It’s most important to understand that the more you quote auto insurance, the higher the chance of saving money. Consumers may even find the lowest rates are with an unexpected company. Regional companies can often insure niche markets at a lower cost compared to the large companies like Progressive or Geico.

When searching for inexpensive auto insurance quotes, you should never skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

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