2018 Mercedes-Benz CLS-Class Insurance Cost – 7 Savings Tips

Searching for the cheapest auto insurance rates for your Mercedes-Benz CLS-Class? Finding more affordable auto insurance might be hard for drivers who are new to online insurance quotes. With dozens of online companies available, it can easily become a big hassle to find the perfect company for you.

You need to quote other rates before your policy renews since insurance rates fluctuate regularly. Even if you got the lowest premium rates on CLS-Class insurance two years ago a different company probably has better prices today. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the best methods to buy cheaper auto insurance.

Finding affordable coverage is quite easy. If you are paying for car insurance now, you stand a good chance to be able to save some money using this strategy. Nevertheless, vehicle owners must comprehend the methods companies use to determine prices and apply this information to your search.

Auto Insurance Discounts

Some companies do not advertise every available discount very well, so here is a list some of the more common and also the more inconspicuous discounts you could be receiving when you buy insurance online. If they aren’t giving you every credit you qualify for, it’s possible you qualify for a lower rate.

  • ABS and Traction Control Discounts – Cars and trucks that have anti-lock braking systems are much safer to drive and therefore earn up to a 10% discount.
  • Discount for Swiching Early – A few companies offer discounts for switching to them before your current expiration date. Ten percent is about the average savings.
  • Service Members Pay Less – Being deployed with a military unit could mean lower rates.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 25 to 30%.
  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • One Accident Forgiven – Not a discount per se, but some insurance companies permit an accident before raising your premiums as long as you don’t have any claims prior to being involved in the accident.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off on CLS-Class insurance with some auto insurance companies.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. A few only apply to specific coverage prices like medical payments or collision. Even though it may seem like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

To view insurers that can offer you the previously mentioned discounts, click here.

Tailor your auto insurance coverage to you

When choosing proper insurance coverage, there really is not a best way to insure your cars. Every situation is different.

For instance, these questions might point out if your insurance needs could use an agent’s help.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • How does medical payments coverage work?
  • Do I need special endorsements for business use of my vehicle?
  • Why do I only qualify for high-risk insurance?
  • When would I need additional glass coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will my insurance pay for OEM parts?
  • When do I need to add a new car to my policy?
  • Does coverage extend to Mexico or Canada?
  • Does insurance cover tools stolen from my truck?

If you can’t answer these questions, 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.

Car insurance coverage breakdown

Having a good grasp of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Mercedes-Benz CLS-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Liability car insurance

Liability coverage will cover damage that occurs to people or other property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like loss of income, bail bonds, medical services and funeral expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

This covers damage to your CLS-Class from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as sustaining damage from a pot hole, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from a tornado or hurricane, falling objects, hail damage and a broken windshield. The most a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like surgery, ambulance fees and rehabilitation expenses. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Have the Midas touch

The cheapest 2018 Mercedes-Benz CLS-Class insurance is available from both online companies and also from your neighborhood agents, so you should compare both in order to have the best chance of saving money. Some companies do not provide online price quotes and these small insurance companies only sell through independent insurance agents.

As you quote insurance, it’s not a good idea to reduce needed coverages to save money. In too many instances, someone sacrificed full coverage to discover at claim time they didn’t have enough coverage. Your objective should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

Consumers who switch companies do it for many reasons like unfair underwriting practices, policy cancellation, extreme rates for teen drivers and questionable increases in premium. Regardless of your reason, switching insurance coverage companies is not as difficult as it may seem.

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