2007 Mercedes-Benz CLK-Class Insurance Quotes

Want better car insurance rates for your Mercedes-Benz CLK-Class? Being forced to pay for expensive car insurance premiums can dry up your savings and possibly require postponing other expenditures. Comparing cost estimates can save money and help to cut your insurance bill.

Online insurance companies like GEICO, Farmers Insurance and State Farm all claim big savings with TV and radio ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Compare insurance coverage quotes online

There are a variety of methods to compare insurance coverage quotes, but there is one way that is less time-consuming than others. You could waste a few hours talking to insurance companies in your area, or you can utilize online quotes to get prices fast.

Many companies participate in a marketplace where prospective buyers only type in their quote data once, and each company returns a competitive quote determined by their information. This system prevents you from having to do form submissions for each company you want a rate for.

To compare rates now click here (opens in new window).

The one disadvantage to getting quotes like this is that you can’t choose which companies to get pricing from. If you wish to select from a list of companies to request quotes from, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare exactly the same quote data on every quote you get. If the quotes have different deductibles you can’t possibly truly determine the lowest rate. Even a minor difference in limits may result in large price differences. And when price shopping your coverage, comparing all the rates in your area helps locate better pricing. Some smaller insurers to not give online price quotes, so you need to compare price estimates from the smaller companies as well.

The Mercedes-Benz CLK-Class insurance premium equation

Part of the car insurance buying process is learning the factors that help calculate your policy premiums. If you know what positively or negatively impacts your premiums, this enables informed choices that could result in lower premium levels. Many different elements are part of the equation when you get your auto insurance bill. Some are obvious such as traffic violations, although some other factors are less apparent like your vehicle usage and annual miles driven.

  • Cautious drivers pay lower rates – Attentive drivers pay less for auto insurance than people who have multiple driving citations. Even one moving violation can increase rates substantially. Drivers unfortunate enough to have flagrant citations like hit and run, DWI or reckless driving convictions may need to prove financial responsibility with their state’s department of motor vehicles in order to prevent a license revocation.
  • Premiums drop with age – Teen drivers are statistically shown to be more careless behind the wheel so car insurance rates are higher. More mature drivers are proven to be safer behind the wheel, tend to file fewer claims .
  • Employer reflects on premiums – Did you know your career choice can influence rates? Occupational choices like lawyersairline pilots and dentists are shown to have higher premiums than the average policyholder attributed to intense work situations and long work hours. On the other hand, jobs such as actors, students and performers get better rates on CLK-Class insurance.
  • Drivers with responsible credit save – Having a bad credit score will be a significant factor in calculating your premium rate. People that have very high credit ratings tend to be more responsible and file fewer claims than those with lower credit scores. So if your credit can use some improvement, you could be paying less to insure your 2007 Mercedes-Benz CLK-Class by taking the time to improve your credit score.
  • Pay less with a high IIHS safety rating – Safe vehicles tend to have lower insurance rates. These vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Mercedes-Benz CLK-Class earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Which gender costs less? – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. This data doesn’t prove that men are worse drivers. Females and males tend to get into at-fault accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also tend to receive more costly citations such as driving while intoxicated (DWI) or driving recklessly.
  • Low deductibles can be expensive – Insurance for physical damage to your car, also known as collision and other-than-collision, insures against damage to your Mercedes-Benz. Examples of covered claims could be a broken windshield, flood damage, and burglary. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay out-of-pocket before your car insurance pays a claim. The more expense you’re willing to pay, the less money you will pay for car insurance on CLK-Class insurance.

Do you qualify for discount auto insurance?

Car insurance can cost a lot, but you might find some hidden discounts that can drop the cost substantially. Certain discounts will be applied at the time of purchase, but a few must be inquired about before you get the savings.

  • Senior Citizen Discount – Drivers over the age of 55 may be able to get a discount up to 10% on CLK-Class insurance.
  • Telematics Data Discounts – Drivers who elect to allow driving data submission to study their driving habits by using a telematics device in their vehicle like Allstate’s Drivewise could possibly reduce rates if they exhibit good driving behavior.
  • Drive Less and Save – Low mileage vehicles may enable drivers to earn discounted premium rates on garaged vehicles.
  • Pay Now and Pay Less – If you can afford to pay the entire bill instead of monthly or quarterly installments you could save 5% or more.
  • Homeowners Pay Less – Owning your own home or condo can save you money since owning and maintaining a home requires a higher level of personal finance.
  • Air Bag Discount – Factory options such as air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Drive Safe and Save – Drivers without accidents can pay as much as 50% less on CLK-Class insurance compared to rates paid by drivers with frequent claims.
  • No Charge for an Accident – Not necessarily a discount, but some companies like State Farm and GEICO will forgive one accident before your rates go up if you have no claims prior to being involved in the accident.
  • College Student Discount – Kids living away from home attending college and do not have a car may be insured at a cheaper rate.

As a footnote on discounts, some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, you’re out of luck.

To view companies that offer many of these discounts, click here to view.

What insurance coverages do I need?

When it comes to choosing adequate coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is unique so your insurance needs to address that. For example, these questions might point out if your insurance needs might need professional guidance.

  • Do I really need UM/UIM coverage?
  • Where can I get insurance after a DUI in my state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is there coverage for injuries to my pets?
  • Do I have coverage when making deliveries for my home business?
  • Does my policy pay for OEM or aftermarket parts?
  • I have health insurance so do I need medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Auto insurance policy coverages for a 2007 Mercedes-Benz CLK-Class

Knowing the specifics of your auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from auto insurance companies.

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz CLK-Class.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for expenses such as EMT expenses, pain medications, nursing services, funeral costs and rehabilitation expenses. They can be used to fill the gap from 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 also covers getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision – This coverage covers damage to your CLK-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as crashing into a building, damaging your car on a curb, backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive auto insurance – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, theft, damage from flooding, a broken windshield and falling objects. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – Liability coverage will cover injuries or damage you cause to other people or property. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like pain and suffering, bail bonds, funeral expenses, structural damage and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Shop. Compare. Save.

Affordable 2007 Mercedes-Benz CLK-Class insurance can be found online as well as from independent agents, and you should be comparing both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and usually these smaller companies prefer to sell through independent agents.

We’ve covered many ways to save on 2007 Mercedes-Benz CLK-Class insurance. It’s most important to understand that the more you quote auto insurance, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from an unexpected company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as State Farm or Progressive.

When you buy auto insurance online, do not reduce needed coverages to save money. In too many instances, an accident victim reduced collision coverage only to find out that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the lowest possible cost, but do not skimp to save money.

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