View 2010 Mercedes-Benz CLS-Class Insurance Quotes

Searching for lower insurance rates for your Mercedes-Benz CLS-Class? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me when I say there are a lot of people just like you who feel imprisoned by their insurance policy. Numerous insurance companies battle to insure your vehicles, so it can be very hard to choose a insurer and get the best coverage at the lowest cost out there.

Lesser-known factors impacting Mercedes-Benz CLS-Class insurance rates

Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Knowing what influences your rates helps enable you to make changes that will entitle you to lower insurance prices.

The list below includes some of the items that factor into prices.

  • Higher safety ratings means cheaper insurance – Safer cars get lower rates. Safe vehicles protect occupants better and better occupant protection means less money paid by your insurance company and more competitive rates for policyholders. If the Mercedes-Benz CLS-Class is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Rate your vehicle for proper use – Driving more miles in a year’s time the more you will pay for insurance. Almost all companies rate vehicles based on their usage. Cars not used for work or commuting receive lower rates than those used for commuting. If your policy improperly rates your CLS-Class may be wasting your money. Ask your agent if your insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
  • Clean credit earns discounts – Your credit score is a huge factor in determining your rates. If your credit rating is lower than you’d like, you could save money insuring your 2010 Mercedes-Benz CLS-Class by improving your rating. People with high credit ratings tend to be more responsible as compared to drivers with poor credit.
  • Consolidate policies to earn discounts – Most companies will award you with lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even if you’re getting this discount you may still want to shop around to verify if the discount is saving money. You may still be able to find better rates by insuring with multiple companies.
  • Never go without insurance – Driving your car without having proper coverage is illegal and your next policy will cost more because you let your coverage lapse. Not only will you pay more, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.

Pay less for 2010 Mercedes-Benz CLS-Class insurance

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Most are applied at the time of quoting, but some may not be applied and must be asked for in order for you to get them. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • No Accidents – Drivers with accident-free driving histories pay less when compared with drivers who are more careless.
  • Federal Employees – Active or retired federal employment can save as much as 8% for CLS-Class insurance with select insurance companies.
  • Air Bag Discount – Vehicles equipped with air bags can get savings of up to 25% or more.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The discount lasts up to age 25.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, you’re out of luck. Any amount of discount will bring down your premiums.

To see a list of insurers with discount car insurance rates, click this link.

Can switching companies really save?

Drivers constantly see and hear ads for car insurance savings from the likes of State Farm, Allstate and Geico. All the ads say the same thing of big savings after switching your coverage to them.

How do they all say the same thing?

All companies have a preferred profile for the type of driver they prefer to insure. For instance, a profitable customer could be between the ages of 30 and 50, insures multiple vehicles, and has excellent credit. Any driver that hits that “sweet spot” receives the best rates and therefore will save when switching.

Drivers who don’t meet these standards will be quoted higher prices and ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That’s the way insurance companies can claim big savings.

This emphasizes why you need to get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Mercedes-Benz CLS-Class insurance rates.

Tailor your coverage to you

When choosing coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

  • Do I need roadside assistance coverage?
  • Are rock chip repairs covered?
  • Is my ex-spouse still covered by my policy?
  • When can my company non-renew my policy?
  • Am I covered when pulling a rental trailer?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is covered by UM/UIM coverage?
  • How much liability insurance is required?
  • Do I need PIP (personal injury protection) coverage in my state?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

Specifics of your car insurance policy

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average car insurance policy.

Auto liability – Liability coverage protects you from damages or injuries you inflict on other’s property or people by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as legal defense fees, court costs and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Comprehensive car insurance – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as theft, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical expenses – Med pay and PIP coverage provide coverage for bills for EMT expenses, rehabilitation expenses, doctor visits, chiropractic care and ambulance fees. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CLS-Class.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Collision – Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, driving through your garage door, hitting a parking meter, scraping a guard rail and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Be a money saver!

Lower-priced 2010 Mercedes-Benz CLS-Class insurance can be purchased on the web and with local insurance agents, and you should be comparing both to get a complete price analysis. Some insurance providers do not offer online price quotes and these small insurance companies work with independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy less coverage just to save a little money. Too many times, an accident victim reduced liability coverage limits only to regret that the few dollars in savings costed them thousands. Your goal should be to purchase plenty of coverage at a price you can afford while still protecting your assets.

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