How Much Does 2018 Mercedes-Benz CLA-Class Insurance Cost?

Want cheaper insurance rates for your Mercedes-Benz CLA-Class? Online price comparisons for the cheapest insurance probably sounds like a formidable task if you are one of the many people new to online rate comparisons. But keep reading because using the internet to shop for insurance is actually quite easy.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this information. This article will let you in on how car insurance quotes work and some money-saving tips. Nevertheless, drivers must understand the way companies compete online and use this information to your advantage.

Do you qualify for discount auto insurance?

Some insurance providers don’t list all their discounts very well, so the list below details some of the more common and the harder-to-find savings tricks you should be using when you buy insurance online.

  • Passive Restraints – Options like air bags can qualify for discounts up to 30%.
  • Discount for New Cars – Adding a new car to your policy may earn a small discount since new vehicles have better safety ratings.
  • Defensive Driver Discounts – Taking part in a course in driver safety could save 5% or more if your company offers it.
  • Multiple Policy Discount – When you have multiple policies and place coverage with the same company you will save approximately 10% to 15%.
  • Anti-lock Brake System – Cars equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Companies and a selection of discounts include:

  • Geico offers discounts for defensive driver, anti-theft, multi-vehicle, driver training, and good student.
  • MetLife may offer discounts for multi-policy, claim-free, accident-free, good driver, defensive driver, good student
  • Progressive includes discounts for homeowner, online quote discount, good student, continuous coverage, multi-vehicle, and online signing.
  • Travelers has savings for multi-policy, driver training, hybrid/electric vehicle, home ownership, and new car.
  • SAFECO policyholders can earn discounts including bundle discounts, homeowner, accident prevention training, anti-lock brakes, teen safe driver, and teen safety rewards.
  • AAA discounts include good driver, pay-in-full, education and occupation, good student, AAA membership discount, multi-car, and anti-theft.

When quoting, ask each company or agent which credits you are entitled to. Some discounts may not apply everywhere. To view auto insurance companies that offer the discounts shown above, click this link.

How much does car insurance cost?

There are a variety of methods to compare car insurance prices but one way is less time-consuming than others. You could waste a few hours driving to insurance companies in your area, or you could save time and use online quoting to get prices fast.

Most car insurance companies enroll in a system that enables customers to only type in their quote data once, and every company provides a quote based on that information. This saves time by eliminating quote requests to each individual car insurance company.

To fill out one form to compare multiple rates now click here to open in new window.

The one downside to getting quotes like this is buyers cannot specifically choose the companies you will receive quotes from. If you would rather choose from a list of companies for rate comparison, we have a listing of companies who write car insurance in your area. Click to view list.

Whichever way you choose to compare rates, do your best to use identical coverage limits on every quote you get. If the quotes have different limits and deductibles on each one then you won’t be able to determine which rate is truly the best. Having just a slight variation in insurance coverages or limits could throw off the whole comparison. And when quoting car insurance, remember that comparing more rates from different companies will increase your chances of finding the best price.

What insurance coverages do I need?

When it comes to choosing coverage, there really is no perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that may help you determine whether you might need an agent’s assistance.

  • What exactly is covered by my policy?
  • I have health insurance so do I need medical payments coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What discounts do I qualify for?
  • Do I pay less for low miles?
  • Can I still get insurance after a DUI?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my personal policy cover me when driving out-of-state?
  • Can my teen drive my company car?
  • When should I remove comp and collision on my 2018 Mercedes-Benz CLA-Class?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Coverages available on your insurance policy

Knowing the specifics of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Auto liability

This can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, medical expenses, attorney fees, pain and suffering and emergency aid. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Comprehensive insurance

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

Comprehensive can pay for claims such as rock chips in glass, hitting a deer and damage from getting keyed. The maximum amount 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 removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz CLA-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays for damage to your CLA-Class from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a mailbox, crashing into a building, backing into a parked car, colliding with a tree and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for expenses like X-ray expenses, EMT expenses, pain medications and funeral costs. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Feed the piggy bank

People switch companies for many reasons like delays in responding to claim requests, lack of trust in their agent, being labeled a high risk driver or poor customer service. It doesn’t matter why you want to switch finding a new insurance coverage company is less work than it seems.

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In many instances, an accident victim reduced uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

In this article, we presented a lot of ways to save on 2018 Mercedes-Benz CLA-Class insurance. It’s most important to understand that the more companies you get rates for, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a company that doesn’t do a lot of advertising.

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