Did a good deal turn out to be overpriced auto insurance? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out. Due to the large number of companies and agents to choose from, it’s nearly impossible to pick the lowest price auto insurance provider.
Getting a cheaper price on 2013 Mercedes-Benz CL-Class insurance is a fairly straight forward process. The only thing you need to do is spend a little time comparing price quotes online from several insurance companies. It’s super easy and can be done in a couple of different ways.
One of the fastest ways to find low rates is a comparison rater form click to view form in new window. This type of form eliminates the need for separate quote forms for each price estimate. Just one form compares rates from many national carriers.
A harder way to shop for insurance online requires visiting each individual company website and go through the quote process again. For sake of this example, we’ll assume you are doing a rate comparison from GEICO, Esurance and Progressive. To do that, you would have to go to every website and repeatedly type in your coverage information, which is not fast way to get rate quotes. For a list of companies in your area, click here.
How you compare quotes is your choice, just ensure you are comparing nearly identical quote information for each quote you get. If you have different values for each quote it’s not possible to find the best deal for your Mercedes-Benz CL-Class.
Some insurers don’t necessarily list every available discount very well, so below is a list a few of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance coverage online.
Just know that most credits do not apply the the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic. Any amount of discount will definitely reduce your policy premiums.
Insurance companies that possibly offer these discounts include:
Check with every prospective company to apply every possible discount. Some discounts might not be offered in your area. To choose providers with the best discounts, follow this link.
When buying coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out whether you would benefit from professional advice.
If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.
Having a good grasp of your car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverages offered by car insurance companies.
Liability coverage protects you from injuries or damage you cause to other people or property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.
Liability coverage pays for things like structural damage, attorney fees, medical expenses and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as hail damage, vandalism, hitting a deer, damage from a tornado or hurricane and damage from flooding. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP
Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like hospital visits, surgery, chiropractic care, dental work and pain medications. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay
Uninsured/Underinsured Motorist coverage
This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Mercedes-Benz CL-Class.
Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are set the same as your liablity limits.
This will pay to fix damage to your CL-Class resulting from a 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 sideswiping another vehicle, crashing into a ditch, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.