View 2017 Mercedes-Benz CLA-Class Insurance Quotes

When searching for more affordable insurance, are you frustrated by the number of insurance coverage companies in your area? You’re not alone. Drivers have so many choices that it is a real challenge to lower your premium rates.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Shopping for the lowest cost car insurance is not that difficult. But car owners need to learn the way companies price insurance differently and apply this information to your search.

Earn discounts to get lower-cost insurance coverage quotes

Some companies don’t always publicize every available discount very well, so here is a list a few of the more well known and the harder-to-find discounts that may be available.

  • Anti-lock Brake System – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class as it will make them better drivers and lower rates.
  • Early Payment Discounts – By paying your entire bill at once rather than paying in monthly installments you could save 5% or more.
  • Clubs and Organizations – Joining a professional or civic organization could qualify you for a break on insurance coverage.
  • Passive Restraints and Air Bags – Options like air bags can qualify for discounts of 25 to 30%.
  • Good Grades Discount – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.
  • Multiple Vehicles – Purchasing coverage when you have multiple vehicles on a single policy can get a discount for every vehicle.
  • Defensive Driving Course – Participating in a course teaching safe driver skills could earn you a small percentage discount if you qualify.
  • Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on CLA-Class coverage than less cautious drivers.

Remember that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, it just doesn’t work that way.

Some of the larger companies that may offer policyholders these benefits include:

If you are trying to find the cheapest auto insurance quotes, ask all companies you are considering to give you their best rates. Savings may not apply to policies in your area. To find companies that provide some of the discounts listed above, click this link.

Compare quotes for insurance

Shopping for lower insurance rates can be a lot of work if you don’t utilize the most efficient way to do it. You can waste a few hours (or days) talking about coverages with agents in your area, or you could save time and use the internet to achieve your goal.

Many companies participate in a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote based on that data. This prevents consumers from doing quote requests to every company. To find out what other companies charge click to open in new window.

The only downside to comparing rates this way is you don’t know exactly the companies to get pricing from. If you would rather choose specific insurance companies for rate comparison, we have assembled a list of low cost insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make darn sure you compare apples-to-apples coverage data for each quote you get. If you are comparing different liability limits you will not be able to decipher which rate is best. Quoting even small variations in coverages could mean much higher rates. Just keep in mind that getting more free quotes will increase your chances of finding a better price. Some regional insurers cannot provide online quotes, so it’s necessary to compare price estimates from them, too.

How do insurance companies determine Mercedes-Benz CLA-Class insurance prices?

Many things are used when you get your auto insurance bill. Most are fairly basic such as traffic violations, but some are more obscure such as your marital status or how financially stable you are.Smart consumers have a good feel for the factors that help determine your insurance rates. If you have a feel for what determines premiums, this allows you to make educated decisions that can help you get lower insurance prices.

  • Discounts for auto and home policies – Most major insurance companies provide lower prices to customers who consolidate policies with them such as combining an auto and homeowners policy. This can amount to as much as ten percent or more If you currently are using one company, it’s still a good idea to compare rates to help guarantee you have the best rates. You may still be able to find a better deal by buying insurance from more than one company.
  • Gender is a factor – The statistics show women tend to be less risk to insure than men. It does not mean males are worse at driving than females. Both sexes tend to get into auto accidents in similar percentages, but the male of the species tend to have higher claims. Men also tend to get more serious tickets like DWI (DUI) or reckless driving.
  • A good credit rating can save money – Having a good credit rating will be a significant factor in determining premium rates. People that have very good credit scores tend to be better risks to insure than drivers who have bad credit. If your credit history leaves room for improvement, you could be paying less to insure your 2017 Mercedes-Benz CLA-Class by improving your credit score.
  • Tough employer may mean higher insurance rates – Do you work in a high-stress field? Occupations such as military generalspolice officers and stock brokers have higher premiums than the average policyholder because of intense work situations and incredibly demanding work hours. Other occupations like farmers, athletes and homemakers pay the least on CLA-Class coverage.
  • Your car’s features help determine insurance rates – Buying a car with anti-theft technology or alarm system can help bring down rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all help stop car theft and help bring rates down.

Tailor your insurance coverage to you

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions can help discover whether you could use an agent’s help.

  • How do I file an SR-22 for a DUI in my state?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Is my babysitter covered when using my vehicle?
  • Should I rate my 2017 Mercedes-Benz CLA-Class as pleasure use or commute?
  • What can I do if my company won’t pay a claim?
  • What are the financial responsibility laws in my state?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Learn about car insurance coverages for a Mercedes-Benz CLA-Class

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CLA-Class.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, damage from getting keyed and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability – Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. It protects YOU from legal claims by others, and does not provide coverage for 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 commonly see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like emergency aid, repair costs for stationary objects and loss of income. The amount of liability coverage you purchase is a personal decision, but you should buy as high a limit as you can afford.

Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for things like chiropractic care, hospital visits, dental work, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision coverage will pay to fix damage to your CLA-Class from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, colliding with a tree, crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

More choices the merrier

Drivers who switch companies do it for many reasons like delays in paying claims, unfair underwriting practices, high rates after DUI convictions and even extreme rates for teen drivers. No matter why you want to switch, switching companies can be pretty painless.

Lower-priced 2017 Mercedes-Benz CLA-Class insurance can be purchased both online and from local insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide online quoting and these regional carriers prefer to sell through independent insurance agents.

When buying insurance coverage, never buy lower coverage limits just to save a few bucks. There have been many situations where an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your objective should be to buy a smart amount of coverage at the best cost while still protecting your assets.

Even more information is available at these sites: