1998 Mercedes-Benz CLK-Class Car Insurance Quotes – 5 Tips to Save

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us, there are lots of people in the same boat.

You have so many insurers to choose from, and even though it’s nice to have multiple companies, having more insurers makes it harder to compare company pricing.

Buying car insurance is not that difficult. If you have car insurance now, you will be able to save some money using this information. But drivers must know how big insurance companies compete online because it can help you find the best coverage.

Comprehensive Insurance Comparison

Most major insurance companies allow you to get coverage price quotes on the web. The process is fairly straightforward as you just type in your required coverages into a form. When complete, their system collects information on your driving record and credit history and provides a quote based on these and other factors. Quoting online simplifies rate comparisons, but the process of having to visit many different websites and complete many quote forms gets old quite quickly. But it is imperative to get many rate quotes in order to get better insurance pricing.

The easiest way to lower your insurance bill requires only one form to return rates from a bunch of companies at once. This type of form saves time, helps eliminate reptitive entry, and makes comparison shopping much simpler. As soon as you send your information, it is quoted and you can select any of the quotes that you receive. If you find a better price you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and may save quite a bit of money.

To fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. To compare your current rates, we recommend you duplicate the coverages identical to your current policy. This makes sure you will receive an apples-to-apples comparison based on identical coverages.

Your personal situation dictates your coverage

When buying the best insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine whether your personal situation might need an agent’s assistance.

Does coverage extend to my business vehicle?
Can I get a multi-policy discount for packaging my home and auto coverage?
Is my trailer covered?
Do I have any recourse if my insurance company denies a claim?
What are the financial responsibility laws in my state?
Does car insurance cover theft of personal property?
Am I covered by my spouse’s policy after a separation?
Are rental cars covered under my policy?
Where can I find high-risk insurance?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Car insurance coverages 101

Learning about specific coverages of a car insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.

Comprehensive car insurance

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from a tornado or hurricane, fire damage, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for collisions

This coverage covers damage to your CLK-Class resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, scraping a guard rail and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 1998 Mercedes-Benz CLK-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as dental work, surgery, chiropractic care, EMT expenses and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability

This will cover damages or injuries you inflict on people or other property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things such as attorney fees, medical expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.