How Much Does 2014 Mercedes-Benz CL-Class Insurance Cost?

Searching for low-cost car insurance on the internet can seem to be challenging for beginners to buying insurance online. With dozens of insurance companies available, how can you effectively compare them all to find the best pricing?

Smart consumers take time to check car insurance prices before your policy renews since insurance rates fluctuate regularly. Just because you had the lowest price for CL-Class insurance two years ago you can probably find a lower rate today. So just block out anything you think you know about car insurance because I’m going to teach you the proper way to find lower rates on car insurance.

Insurance Prices

To find the best insurance prices, there are several ways of comparing rates from insurance companies in your area. The recommended way to find competitive 2014 Mercedes-Benz CL-Class insurance rates consists of shopping online. This can be done using a couple different methods.

  1. The most efficient way consumers can make multiple comparisons would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing separate quote forms to each individual insurance company. A single, simple form gets you price quotes from insurance companies with the best prices. Just one form and you’re done.
  2. A less efficient way to analyze rates is to take the time to go to the website of each company to complete a price quote. For instance, let’s assume you want rates from Auto-Owners, Esurance and Allstate. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

    To view a list of companies in your area, click here.

  3. The hardest way of comparing rate quotes is to drive around to different agent offices. The ability to buy insurance online eliminates the need for an insurance agent unless you require the professional guidance that only a license agent can provide. However, consumers can comparison shop online and get advice from an agent in your area and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing the exact same coverages and limits for each price quote. If each company quotes higher or lower deductibles you will not be able to determine which rate is truly the best. Just a small difference in coverages could mean much higher rates. And when comparison shopping, comparing more company’s prices helps locate the best price.

Take discounts and save

Companies offering auto insurance don’t always advertise all their discounts in an easy-to-find place, so we researched some of the best known and the more hidden ways to save on car insurance.

  • Drive Safe and Save – Safe drivers can pay as much as 50% less for CL-Class insurance than drivers with accidents.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • One Accident Forgiven – A few companies permit an accident without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Low Mileage Discounts – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • E-sign – A handful of insurance companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Multiple Vehicles – Insuring multiple vehicles with the same company may reduce the rate for each vehicle.
  • Safety Course Discount – Successfully completing a driver safety course could cut 5% off your bill and easily recoup the cost of the course.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way.

A partial list of companies who might offer these discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts may not be available in your area.

Which policy gives me the best coverage?

When buying adequate coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions may help highlight if you might need an agent’s assistance.

  • Are my tools covered if they get stolen from my vehicle?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is extra glass coverage worth it?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • What is the minimum liability in my state?
  • Do I need to file an SR-22 for a DUI in my state?
  • How do I buy GAP insurance?
  • Is there coverage for injuries to my pets?
  • Do I need replacement cost coverage on my 2014 Mercedes-Benz CL-Class?
  • Do I need motorclub coverage?

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 don’t have a local agent, take a second and complete this form.

Mercedes-Benz CL-Class rates influenced by many factors

Smart consumers have a good feel for some of the elements that go into determining your insurance rates. Understanding what impacts premium levels enables informed choices that may reward you with better insurance rates.

  • Do you know your deductibles? – Physical damage insurance, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Mercedes-Benz. Examples of covered claims would be collision with another vehicle, damage caused by hail, and windstorm damage. Your deductibles are how much you are required to spend out-of-pocket before a claim is paid by your company. The more expense you’re willing to pay, the less your insurance will be for CL-Class insurance.
  • Special features that cut premiums – Choosing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
  • How many coverages with the same company – Some insurers provide better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, you still need to shop around to confirm you are receiving the best rates possible. Drivers may still find a better deal by splitting coverages up.
  • Women pay lower rates – Statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Both sexes have accidents at a similar rate, but the males cause more damage. They also have more aggressive citations such as DWI and reckless driving. Teenage male drivers are the most expensive to insure and therefore are the most expensive to insure.
  • Lower rates come with age – Mature drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Youthful drivers have a tendency to be careless and easily distracted in a vehicle and because of this, their insurance rates are much higher.

Car insurance coverage basics

Knowing the specifics of your car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mercedes-Benz CL-Class.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.

Collision – Collision coverage pays for damage to your CL-Class resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with another moving vehicle, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability – This protects you from damage or injury you incur to other’s property or people. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims like legal defense fees, repair bills for other people’s vehicles, emergency aid, medical services and pain and suffering. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, theft, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as pain medications, doctor visits, hospital visits and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Spend less. Save more.

Insureds change insurance companies for many reasons like policy cancellation, not issuing a premium refund, high prices or denial of a claim. Regardless of your reason, switching insurance companies is pretty simple and you could end up saving a buck or two.

We just showed you a lot of tips how to reduce 2014 Mercedes-Benz CL-Class insurance prices online. The key thing to remember is the more price quotes you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from some of the lesser-known companies.

Affordable insurance can be found both online as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. Some companies don’t offer the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.

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