1999 Mercedes-Benz CLK-Class Insurance Quotes

Want the cheapest car insurance rates for your Mercedes-Benz CLK-Class? Are you at wits end from sacrificing to pay high car insurance rates every month? You’re in the same situation as the majority of other drivers.

Lots of auto insurance companies contend for your insurance dollar, and because of this it can be hard to compare insurers and uncover the absolute lowest rate possible.

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these tips. Choosing the best insurance company for you is not rocket science. But car owners must understand how insurance companies price online insurance because it can help you find the best coverage.

Free insurance coverage price quotes

Most major insurance companies like Allstate, GEICO and Progressive allow you to get price estimates on the web. Doing online price comparisons is very simple because it’s just a matter of typing in your personal and coverage information into the quote form. Once you submit the form, the system sends out for your driving and credit reports and returns pricing information. Online price quotes makes comparing rates easy, but the process of having to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it’s also necessary to have as many quotes as possible if you want to get better insurance coverage pricing.

An easier way to compare insurance coverage pricing utilizes a single form that analyzes rates from more than one company. This type of form saves time, requires less work, and makes online price comparison much easier. Once the form is submitted, it is quoted and you can choose any or none of the returned quotes. If a lower price is quoted, you can simply submit the application and buy the policy. The entire process takes 15 minutes at the most and may save quite a bit of money.

To quickly find out what other companies charge, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you input the coverages exactly as shown on your declarations page. Doing this guarantees you’re receiving an apples-to-apples comparison using the same coverage and limits.

Insurance discounts are available to reduce your rates

Some companies don’t always advertise all available discounts very well, so the list below gives a summary of some of the more common in addition to some of the lesser obvious insurance savings. If you check and find you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. Earning this discount can benefit you up until you turn 25.
  • Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save 5% or more.
  • Safety Course Discount – Taking time to complete a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Military Deployment Discount – Being on active deployment in the military could trigger a small discount.
  • Discounts for Multiple Vehicles – Having multiple cars on the same insurance policy can get a discount on all vehicles.
  • Sign Early and Save – Some insurance companies give discounts for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Drivers Ed for Students – Have your child participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Onboard Data Collection – Policyholders that allow data collection to scrutinize driving habits through the use of a telematics system such as State Farm’s In-Drive may see discounts as long as they are good drivers.

Consumers should know that many deductions do not apply to the entire policy premium. Some only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

To see a list of companies that offer some of these discounts, follow this link.

Insurance premiums are influenced by these factors

Many things are considered when pricing auto insurance. Some are pretty understandable like a motor vehicle report, although others are more transparent like where you live or how safe your car is.

  • Males tend to take more risk – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean men are worse drivers. Both sexes tend to get into auto accidents at a similar rate, but the males have costlier accidents. Men also tend to get ticketed for serious violations like driving under the influence (DUI).
  • With age comes responsibility – Inexperience drivers have a tendency to be more careless when driving so they pay higher car insurance rates. Older people are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.
  • Cheaper rates with high coverage deductibles – Insurance for physical damage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Some instances where coverage would apply are colliding with a building, collision with an animal, and burglary. Your deductibles represent how much money you are required to spend out-of-pocket before a claim is paid by your company. The more money you pay before a claim is paid (deductible), the bigger discount you will receive on CLK-Class insurance.
  • Safer vehicles cost less to insure – Vehicles with good safety scores tend to have better insurance rates. These vehicles protect occupants better and any reduction in injury severity means less claims paid passed on to you as lower rates. If your Mercedes-Benz CLK-Class is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Too many claims drive up rates – Insurance companies award most affordable rates to drivers who are not frequent claim filers. If you tend to file frequent claims, you can look forward to higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of the large, substantial claims.
  • Better premiums for uninterrupted coverage – Allowing your coverage to lapse can be a fast way to increase your renewal premiums. Not only will you pay more, being ticketed for driving with no insurance can result in a fine, jail time, or a revoked license.
  • Only buy what you need – Insurance companies have many extra coverages that can waste your money when buying car insurance. Coverages like roadside assistance, accident forgiveness, and extra life insurance coverage are some examples. These coverages may sound good initially, but your needs may have changed so consider taking them off your policy.

Everyone needs different car insurance coverages

When it comes to choosing adequate coverage, there really is not a single plan that fits everyone. Every situation is different so this has to be addressed. For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • Is my dog or cat covered if injured in an accident?
  • Does liability extend to a camper or trailer?
  • When can my company non-renew my policy?
  • Is my custom paint covered by insurance?
  • When do I need to add a new car to my policy?
  • Should I have combined single limit or split liability limits?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Ads can be misleading

Popular car insurance providers such as Allstate, GEICO and Progressive regularly use television, radio, and online ads. They all seem to have a common claim that drivers can save some big amount if you get a free car insurance quote and switch your policy. That’s great but how can every company charge you less for auto insurance? Here is the trick they use.

Most companies quote their best rates for the type of driver that will most likely be profitable. A good example of a desirable insured could be over age 30, has no driving citations, and does not commute to work. Any customer who matches those parameters will probably get the lowest auto insurance rates and will also save some money.

Potential insureds who may not quite match the requirements will probably be forced to pay a higher premium and this can result in the driver buying from a lower-cost company. The trick is to say “people who switch” not “everybody who quotes” save that much when switching. This is how companies can truthfully make it sound like they have such great auto insurance rates. Because of this risk profiling, it’s extremely important to get car insurance quotes from several different companies. It’s just too difficult to predict which car insurance company will give you lower rates than your current company.

Insurance coverage options for a 1999 Mercedes-Benz CLK-Class

Understanding the coverages of your policy helps when choosing the best coverages and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages found on the average insurance policy.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a broken windshield, hitting a bird, damage from getting keyed and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for collisions

Collision coverage covers damage to your CLK-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as hitting a mailbox, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Coverage for liability

Liability insurance can cover injuries or damage you cause to a person or their property. It protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like funeral expenses, legal defense fees, attorney fees, court costs and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CLK-Class.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for things like surgery, pain medications, hospital visits and funeral costs. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Money doesn’t grow on trees

Cheap 1999 Mercedes-Benz CLK-Class insurance is definitely available on the web in addition to many insurance agents, and you should compare rates from both so you have a total pricing picture. Some insurance companies may not provide online quoting and most of the time these smaller companies work with independent insurance agencies.

When buying insurance coverage, never reduce coverage to reduce premium. In many cases, someone sacrificed liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage for the lowest cost, but do not sacrifice coverage to save money.

We just showed you some good ideas how to compare 1999 Mercedes-Benz CLK-Class insurance rates online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest rates come from a smaller regional carrier. Some small companies can often provide lower car insurance rates in certain areas compared to the large companies like State Farm and Allstate.

For more information, feel free to visit the articles below: