2003 Mercedes-Benz CLK-Class Insurance Rates – 9 Tips for Cheapest Quotes

Drivers have many options when trying to find affordable Mercedes-Benz CLK-Class insurance. You can either waste hours contacting agents getting price quotes or utilize the internet to compare rates. There are more efficient ways to buy insurance coverage and you need to know the quickest way to price shop coverage on a Mercedes-Benz and obtain the cheapest rates from both online companies and local agents.

The best way we recommend to compare policy rates is to realize most insurance companies participate in online systems to provide you with free rate quotes. The one thing you need to do is take a few minutes to give details like an estimate of your credit level, how much you drive, whether you are single or married, and your occupation. Your information is instantly provided to many of the top insurers and they respond with quotes immediately.

Cut your premium with these nine discounts

Companies don’t always publicize all their discounts in an easy-to-find place, so we researched both the well known and the harder-to-find savings tricks you should be using. If they aren’t giving you every credit available, you are paying more than you should be.

  • Student Driver Training – Have your child successfully complete driver’s ed class in high school.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for CLK-Class insurance depending on your company.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Accident Forgiveness – A few companies permit an accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
  • Pay Upfront and Save – If you pay your bill all at once instead of paying each month you can actually save on your bill.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Safe Drivers – Safe drivers can get discounts for up to 45% lower rates for CLK-Class insurance than their less cautious counterparts.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Low Mileage – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.

As a disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

To see a list of companies with discount insurance rates, click here to view.

What is the best insurance coverage?

When buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you may require specific advice.

  • How high should my medical payments coverage be?
  • When would I need additional glass coverage?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is motorclub coverage worth it?
  • Do I really need UM/UIM coverage?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I force my company to pay a claim?
  • Does my liability insurance cover pulling a trailer or camper?
  • How do I buy GAP insurance?

If you’re not sure about those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of your insurance policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, crashing into a building and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Mercedes-Benz CLK-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as court costs, repair bills for other people’s vehicles and legal defense fees. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like EMT expenses, doctor visits, nursing services and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverages

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like falling objects, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

One last thing about your coverage

Low-cost 2003 Mercedes-Benz CLK-Class insurance is definitely available both online as well as from independent agents, so you should compare both so you have a total pricing picture. Some insurance coverage companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.

You just learned some good ideas how to reduce insurance prices online. The key concept to understand is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with the least-expected company.

Consumers who switch companies do it for any number of reasons including being labeled a high risk driver, policy cancellation, denial of a claim and high prices. Whatever your reason, finding a great new company is less work than it seems.

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