2013 Mercedes-Benz CLS-Class Car Insurance Quotes – 8 Tricks for Best Rates

Want lower car insurance rates for your Mercedes-Benz CLS-Class? Think you have high-priced car insurance? Believe me, you are not the only one feeling buyer’s remorse. There are many auto insurance companies to insure vehicles with, and although it’s a good thing to have a choice, it can be more difficult to adequately compare rates.

Consumers should take time to quote other rates before your next renewal because insurance prices change regularly. Just because you had the lowest quotes on CLS-Class insurance two years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because you’re about to find out the fastest and easiest way to properly buy coverages while reducing your premium.

Buying cheaper coverage is simple if you know the tricks. If you have a current insurance coverage policy or are looking for a new policy, you can use these techniques to reduce the price you pay and still get good coverage. Drivers just need to learn the best way to get comparison rates on the web.

Compare car insurance quotes online

Getting a cheaper price on 2013 Mercedes-Benz CLS-Class insurance is not rocket science. Drivers just need to spend a few minutes on the computer comparing free auto insurance quotes online from several insurance companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  1. The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This style of form keeps you from doing boring form submissions for each company you want a rate for. One quote request will get you rate comparisons from multiple companies.
  2. A slightly less efficient method to get quotes online is to manually visit the website for each individual company and request a quote. For example, let’s say you want to see prices from GEICO, 21st Century and Progressive. In order to compare rates, you need to navigate to each company’s site and enter your policy data, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

Whichever method you choose, ensure you’re using the exact same information for each quote you get. If each company quotes different liability limits it will be very difficult to determine the best price for your Mercedes-Benz CLS-Class.

Lower rate quotes by taking advantage of these eight discounts

Some insurance providers don’t always publicize every available discount in an easy-to-find place, so the below list has both well-publicized as well as the least known discounts that you may qualify for.

  • Savings for New Vehicles – Buying a new car model can be considerably cheaper because new model year vehicles keep occupants safer.
  • Accident Free – Insureds with no claims or accidents can earn big discounts compared to insureds who have frequent claims or accidents.
  • Theft Prevention System – Anti-theft and alarm system equipped vehicles help deter theft and qualify for as much as a 10% discount.
  • Senior Discount – Drivers that qualify as senior citizens may qualify for a small discount on rates on CLS-Class insurance.
  • Include Life Insurance and Save – Larger car insurance companies have a discount if you purchase auto and life insurance together.
  • Own a Home and Save – Just being a homeowner can earn you a little savings because it demonstrates responsibility.
  • Discounts for Federal Employees – Being employed by or retired from a federal job can save as much as 8% on CLS-Class insurance depending on your company.
  • Military Rewards – Being on active duty in the military could qualify you for better car insurance rates.

Discounts lower rates, but most credits do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

Large car insurance companies and some of the premium reductions they offer are included below.

  • 21st Century includes discounts for theft prevention, defensive driver, homeowners, teen driver, 55 and older, and air bags.
  • State Farm policyholders can earn discounts including defensive driving training, accident-free, Steer Clear safe driver discount, good student, passive restraint, safe vehicle, and driver’s education.
  • AAA may offer discounts for AAA membership discount, good driver, pay-in-full, multi-car, multi-policy, good student, and education and occupation.
  • Liberty Mutual offers discounts for good student, multi-policy, newly retired, hybrid vehicle, and new move discount.
  • Progressive offers premium reductions for online signing, continuous coverage, good student, online quote discount, multi-policy, and homeowner.

Before buying, ask every insurance company which discounts they offer. Some of the discounts discussed earlier may not be available in every state. To see insurers who offer free car insurance quotes, click here.

How much car insurance do I need?

When choosing coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • Can I afford low physical damage deductibles?
  • Should I buy full coverage?
  • What is the difference between comprehensive and collision coverage?
  • What is high-risk coverage and where do I buy it?
  • Do all my vehicles need collision coverage?
  • Should I bundle my homeowners policy with my auto?
  • Am I better off with higher deductibles on my 2013 Mercedes-Benz CLS-Class?
  • Will my insurance pay for OEM parts?
  • When does my teenage driver need to be added to my policy?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specifics of your car insurance policy

Understanding the coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on the average car insurance policy.

Comprehensive car insurance

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as fire damage, hitting a deer and a broken windshield. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

Liability insurance can cover damages or injuries you inflict on people or other property that is your fault. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like legal defense fees, bail bonds, pain and suffering, structural damage and emergency aid. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses like rehabilitation expenses, pain medications and nursing services. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Mercedes-Benz CLS-Class.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Normally these coverages are set the same as your liablity limits.

Auto collision coverage

Collision coverage pays for damage to your CLS-Class resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

A penny saved is a penny earned

Budget-conscious 2013 Mercedes-Benz CLS-Class insurance is available from both online companies and also from your neighborhood agents, so you should be comparing quotes from both to have the best rate selection. Some companies do not provide rate quotes online and these smaller companies sell through independent insurance agencies.

We just covered many ideas to reduce 2013 Mercedes-Benz CLS-Class insurance car insurance rates online. It’s most important to understand that the more rate quotes you have, the higher your chance of finding low cost auto insurance. Drivers may discover the biggest savings come from the least-expected company. Regional companies can often insure niche markets at a lower cost than their larger competitors like Allstate or State Farm.

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