View 2008 Mercedes-Benz CLS-Class Insurance Quotes

Searching for better auto insurance rates for your Mercedes-Benz CLS-Class? Scraping up a payment for overpriced Mercedes-Benz CLS-Class insurance can diminish your personal savings and force you to cut corners elsewhere. Drivers have so many auto insurance companies to pick from, and although it’s a good thing to have a selection, it can be more challenging to find the lowest rates.

You need to do price comparisons yearly since prices trend upward over time. Just because you found the best price for CLS-Class insurance last year you will most likely find a better rate quote today. Forget anything you know (or think you know) about auto insurance because we’re going to demonstrate how to use the internet to find great coverage at a great price.

Do you qualify for discount auto insurance?

Car insurance can cost a lot, but there could be available discounts that many people don’t even know exist. Certain reductions will be credited at the time you complete a quote, but a few need to be specially asked for in order for you to get them. If you do not double check each discount you deserve, you could be getting lower rates.

  • Homeowners Pay Less – Just being a homeowner can save a few bucks since home ownership demonstrates responsibility.
  • Claim Free – Drivers who stay claim-free have much lower rates as opposed to insureds who have frequent claims or accidents.
  • Save over 55 – If you qualify as a senior citizen, you are able to get lower premium rates for CLS-Class insurance.
  • Lower Rates for Military – Having an actively deployed family member may lower your auto insurance rates slightly.
  • Discount for Passive Restraints – Factory air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
  • Multiple Policy Discount – If you can combine your auto and homeowners policy with one insurance company you may earn nearly 15% which can help you find low cost insurance.
  • Pay Early and Save – By paying your policy upfront rather than paying monthly you could save 5% or more.
  • Student Discounts – Excelling in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.

Just know that most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, it’s just not the way it works. Any amount of discount will reduce the cost of coverage.

The best auto insurance companies and some of the premium reductions they offer are detailed below.

  • State Farm has discounts for Drive Safe & Save, student away at school, safe vehicle, good student, and Steer Clear safe driver discount.
  • Progressive policyholders can earn discounts including online quote discount, good student, multi-vehicle, continuous coverage, and online signing.
  • Progressive offers discounts for multi-policy, online signing, multi-vehicle, online quote discount, homeowner, and continuous coverage.
  • MetLife may offer discounts for accident-free, good driver, defensive driver, multi-policy, and good student.
  • Farm Bureau has savings for safe driver, multi-policy, multi-vehicle, good student, and 55 and retired.
  • GEICO offers discounts including seat belt use, membership and employees, daytime running lights, good student, anti-theft, driver training, and multi-policy.
  • SAFECO offers premium reductions for teen safety rewards, safe driver, accident prevention training, drive less, anti-lock brakes, and teen safe driver.

If you are trying to find cheap insurance quotes, ask every company what discounts are available to you. A few discounts may not be offered in your area. If you would like to see a list of auto insurance companies that offer many of these discounts, follow this link.

How to buy car insurance online

Performing a rate comparison can be exhausting if you don’t know the fastest way to get free quotes. You can waste hours talking to insurance companies in your area, or you can stay home and use the internet to accomplish the same thing much quicker.

Most car insurance companies participate in a marketplace that enables customers to submit their information once, and every company then returns a price quote based on that data. This system prevents you from having to do quotation requests to each company. To access this free quoting program, click here to open in new window.

One minor caviat to pricing coverage this way is you can’t choose the companies to get pricing from. So if you want to select from a list of companies to receive pricing from, we have assembled a list of the cheapest car insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just do your best to use identical deductibles and coverage limits for each price quote. If you are comparing higher or lower deductibles it’s impossible to decipher which rate is best.

Components of your Mercedes-Benz CLS-Class insurance costs

Lots of things are taken into consideration when quoting car insurance. Some factors are common sense such as traffic violations, but some are less apparent such as whether you are married or your commute time.

Listed below are some of the items used by insurance companies to determine rates.

  • Get married and pay lower premiums – Your spouse may cut your premiums on your car insurance bill. Having a significant other generally demonstrates drivers are more responsible and it’s proven that married drivers get in fewer accidents.
  • Discounts for theft deterrents – Choosing a vehicle with an alarm system can earn a premium discount. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft.
  • Bad credit will cost you – Having a bad credit rating factor in determining your rates. If your credit score could use some work, you could save money insuring your 2008 Mercedes-Benz CLS-Class if you improve your credit rating. Consumers who have very good credit scores tend to file fewer claims and have better driving records as compared to drivers with bad credit.
  • High deductibles lower premiums – Physical damage coverage, also known as collision and other-than-collision, protects your Mercedes-Benz from damage. A few examples of covered claims could be running into the backend of another car, flood damage, and windstorm damage. Comp and collision deductibles define the amount you are willing to pay before a claim is paid by your company. The more you choose to pay out-of-pocket, the less money you will pay for car insurance for CLS-Class insurance.
  • How many miles do you drive? – The higher the miles on your Mercedes-Benz in a year’s time the more it will cost to insure it. A lot of companies rate vehicles based upon how much you drive. Cars and trucks used primarily for pleasure use get more affordable rates than those that get driven frequently. Verify your declarations sheet is rated on how each vehicle is driven, because it can save money. Incorrect rating for your CLS-Class may be costing you.
  • Male rates may be higher – Statistics show that men are more aggressive behind the wheel. However, don’t assume that males are worse at driving than females. Men and women cause auto accidents at a similar rate, but the men tend to have higher claims. Not only are claims higher, but men get more serious tickets like driving under the influence (DUI).

What insurance coverages do I need?

When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining if you might need professional guidance.

  • How much underlying liability do I need for an umbrella policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Can my babysitter drive my car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my 2008 Mercedes-Benz CLS-Class qualify for pleasure use?
  • Does my policy pay for OEM or aftermarket parts?
  • What are the financial responsibility laws in my state?
  • Which is better, split liability limits or combined limits?
  • Does my car insurance cover rental cars?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Having a good grasp of car insurance can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages found on the average car insurance policy.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for bills for things like hospital visits, chiropractic care and ambulance fees. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage – This pays for damage to your CLS-Class resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, crashing into a building, colliding with a tree, driving through your garage door and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2008 Mercedes-Benz CLS-Class.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Liability car insurance – Liability insurance will cover damages or injuries you inflict on people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as loss of income, structural damage and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, hail damage, damage from flooding, theft and fire damage. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Best coverage at the best price

Throughout this article, we presented a lot of techniques to compare 2008 Mercedes-Benz CLS-Class insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the better likelihood of getting low cost insurance. You may even find the lowest rates are with a smaller regional carrier. Some small companies may only write in your state and offer lower car insurance rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There have been many situations where someone sacrificed comprehensive coverage or liability limits only to find out that a couple dollars of savings turned into a financial nightmare. The aim is to buy a smart amount of coverage at the best cost, but don’t skip important coverages to save money.

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