2014 Mercedes-Benz CLA-Class Insurance Rates – 8 Tips for Best Quotes

Looking for cheaper insurance rates for your Mercedes-Benz CLA-Class? If you are new to online insurance, you can easily be overwhelmed thanks to the incredible selection insurance agents and companies all advertising big savings.

The best way to compare insurance rates from multiple companies utilizes the fact almost all companies pay for the opportunity to provide you with free rate quotes. All consumers are required to do is provide a small amount of information including how much school you completed, whether you have decent credit, whether you drive to work or school, and whether you are single or married. Your details is instantly provided to all major companies and you will receive price estimates immediately.

To compare rates now, click here and complete the quick form.

Take advantage of every car insurance discount

Some providers don’t always publicize all available discounts very clearly, so the following list contains some of the best known and also the more inconspicuous credits that you can use to lower your rates.

  • Employee of Federal Government – Being employed by or retired from a federal job could provide a small rate reduction for CLA-Class coverage but check with your company.
  • Driver Education Discount – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in school.
  • Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
  • Paperwork-free – A handful of insurance companies give back up to $50 just for signing your application online.
  • Multi-Vehicle Discounts – Buying coverage for all your vehicles with the same car insurance company qualifies for this discount.
  • Discount for Swiching Early – Some companies provide a discount for signing up before your current coverage expires. Ten percent is about the average savings.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Progressive, Allstate, and Liberty Mutual permit an accident before your rates go up if your claims history is clear before the accident.
  • Safety Course Discount – Participating in a course in defensive driving could possibly earn you a 5% discount if you qualify.

Policy discounts save money, but many deductions do not apply to the entire policy premium. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though you would think it’s possible to get free car insurance, you won’t be that lucky.

Large car insurance companies and their offered discounts can be found below.

  • State Farm may offer discounts for good student, safe vehicle, student away at school, good driver, driver’s education, multiple policy, and multiple autos.
  • GEICO policyholders can earn discounts including federal employee, membership and employees, good student, multi-vehicle, anti-lock brakes, anti-theft, and emergency military deployment.
  • SAFECO may have discounts that include multi-car, teen safe driver, teen safety rewards, anti-lock brakes, accident prevention training, anti-theft, and homeowner.
  • Farmers Insurance offers discounts including teen driver, multi-car, youthful driver, distant student, electronic funds transfer, and early shopping.
  • AAA offers discounts for education and occupation, good driver, multi-policy, anti-theft, multi-car, and good student.
  • USAA discounts include defensive driver, annual mileage, military installation, driver training, safe driver, multi-vehicle, and vehicle storage.

If you want inexpensive insurance quotes, ask every insurance company which discounts you may be entitled to. Depending on the company, some discounts may not apply in every state. For a list of providers with significant discounts, click this link.

How to know if you need help

When it comes to choosing the best car insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions might point out if your situation could use an agent’s help.

  • What is roadside assistance coverage?
  • Am I better off with higher deductibles on my 2014 Mercedes-Benz CLA-Class?
  • Do I have newly-aquired coverage?
  • What is medical payments coverage?
  • Is a fancy paint job covered?
  • Will filing a claim cost me more?
  • Does coverage extend to a rental car in a foreign country?
  • Is my dog or cat covered if injured in an accident?
  • I have health insurance so do I need medical payments coverage?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Auto insurance coverages and their meanings

Knowing the specifics of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz CLA-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like chiropractic care, pain medications, prosthetic devices, surgery and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not an option in every state and may carry a deductible

Liability insurance

This protects you from injuries or damage you cause to other people or property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability can pay for things such as loss of income, legal defense fees and attorney fees. How much coverage you buy is a personal decision, but you should buy higher limits if possible.

Comprehensive coverage

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, damage from getting keyed, damage from flooding and rock chips in glass. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, scraping a guard rail, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Save for a rainy day

We covered a lot of information how to save on 2014 Mercedes-Benz CLA-Class insurance. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Consumers could even find that the best car insurance rates are with a smaller regional carrier.

Cheaper 2014 Mercedes-Benz CLA-Class insurance is attainable online and from local agencies, so you need to shop insurance with both so you have a total pricing picture. Some auto insurance companies don’t offer rates over the internet and most of the time these smaller companies only sell through independent insurance agencies.

When buying insurance coverage, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. Your objective should be to buy the best coverage you can find at the lowest possible cost, but do not sacrifice coverage to save money.

For more information, take a look at the following helpful articles: