Lower Your 2013 Mercedes-Benz CL-Class Insurance Rates

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.

Which insurance is cheapest?

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.

Discounts for lower-cost insurance rates

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.

  • Memberships – Participating in a qualifying organization could qualify you for a break on your next renewal.
  • ABS Brakes – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more.
  • Discount for Multiple Policies – If you have multiple policies and place coverage with the same company you will save nearly 15% which can help you find inexpensive insurance coverage.
  • Accident Waiver – This isn’t a discount exactly, but certain companies will turn a blind eye to one accident before your rates go up if you are claim-free before the accident.
  • Discounts for Responsible Drivers – Accident-free drivers can pay as much as 50% less for CL-Class insurance as compared to drivers with claims.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off for CL-Class insurance depending on your insurance provider.
  • Accident-Free Discounts – Drivers with accident-free driving histories get the best insurance rates compared to frequent claim filers.
  • Driver Training Discounts – Successfully completing a defensive driver course could possibly earn you a 5% discount if your company offers it.
  • Early Renewal Discounts – Select larger companies give a discount for signing up before your current policy expires. It can save you around 10%.

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.

Tailor your auto insurance coverage to you

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.

  • Does my car insurance cover rental cars?
  • Why am I required to get a high-risk car insurance policy?
  • When should I not file a claim?
  • Do I have coverage when making deliveries for my home business?
  • What is the difference between comprehensive and collision coverage?
  • Do I have coverage when using my vehicle for my home business?
  • How can I force my company to pay a claim?
  • Will my rates increase for filing one claim?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered when driving on a suspended license?

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.

Car insurance 101

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.

Auto liability

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 coverage

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.

Collision protection

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.