1999 Mercedes-Benz CL-Class Insurance Cost – 10 Discounts for Cheaper Prices

Do you get exhausted from paying out the nose each month for auto insurance? You are no different than the majority of other people. Insurance companies such as Geico, Farmers Insurance and State Farm promote their brand names with catchy ads and it is difficult to avoid their marketing magic and find the best price available.

It’s a good idea to get comparison quotes as often as possible due to the fact that insurance prices change quite often. If you had the lowest quotes on CL-Class insurance on your last policy you may be paying too much now. Forget anything you know (or think you know) about auto insurance because I’m going to teach you how to use the internet to save on auto insurance.

If you are insured now or are shopping for new coverage, you can use these techniques to find the best rates and still get good coverage. Finding affordable coverage is quite easy. Drivers just need to know the proper methods to shop for auto insurance on the web.

These ten discounts can lower your car insurance quotes

The price of auto insurance can be rather high, but you may qualify for discounts that you may not even be aware of. Most are applied when you get a quote, but occassionally some discounts must be inquired about before you get the savings.

  • Anti-theft Discount – Vehicles that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Telematics Data – Drivers who agree to allow driving data submission to spy on where and when they drive by using a small device installed in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as the data is positive.
  • Paperless Signup – A few larger online companies will give you a small discount simply for signing on their website.
  • Responsible Driver Discount – Insureds without accidents could pay up to 40% less on CL-Class insurance than their less cautious counterparts.
  • Homeowners Pay Less – Just owning your own home can get you a discount due to the fact that maintaining a home requires personal responsibility.
  • Distant Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus could get you a discount.
  • Multi-Vehicle Discounts – Purchasing coverage when you have multiple cars with the same car insurance company may reduce the rate for each vehicle.
  • Full Payment Discount – If you pay your bill all at once as opposed to paying monthly you can actually save on your bill.
  • Good Students Pay Less – Being a good student may save as much as 25% on a insurance quote. Most companies allow this discount until age 25.
  • Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks on medical payment and PIP coverage.

Don’t be shocked that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as liability, collision or medical payments. If you do the math and it seems like all the discounts add up to a free policy, you’re out of luck. But any discount will help lower your car insurance premiums.

Some of the larger companies who may offer most of the discounts above possibly include:

If you want inexpensive insurance quotes, ask every company what discounts are available to you. Discounts may not apply in your area. To view insurance companies who offer car insurance discounts, click here.

Compare auto insurance rates

Effectively comparing auto insurance prices can be a daunting task if you don’t understand the most efficient way. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use online quotes to quickly compare rates.

Many popular insurance companies belong to an insurance system where prospective buyers only type in their quote data once, and every company returns a rated price. This saves time by eliminating form submissions to every company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to comparing rates this way is buyers cannot specifically choose the providers to get pricing from. So if you want to choose specific insurance companies to compare rates, we have a page of low cost auto insurance companies in your area. View list of insurance companies.

Whichever method you choose, be certain you are entering equivalent deductibles and coverage limits on every price quote you get. If you compare different values for each quote it’s impossible to find the best deal for your Mercedes-Benz CL-Class.

Different people need different auto insurance coverages

When buying the best auto insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Can I make deliveries for my home business?
  • Do I have coverage for damage caused while driving under the influence?
  • What discounts do I qualify for?
  • Can my teen drive my company car?
  • What is the minimum liability in my state?
  • How much can I save by bundling my policies?
  • Does medical payments coverage apply to all occupants?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It only takes a few minutes and you can get the answers you need.

Coverage specifics

Knowing the specifics of your policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most insurance policies.

Comprehensive insurance – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, fire damage, rock chips in glass, a tree branch falling on your vehicle and hitting a bird. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision coverages – Collision insurance pays for damage to your CL-Class caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like sideswiping another vehicle, colliding with another moving vehicle, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Auto liability insurance – Liability insurance will cover damage or injury you incur to other people or property. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims like funeral expenses, pain and suffering and medical services. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for prosthetic devices, doctor visits, chiropractic care, dental work and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Do the work, save more money

Throughout this article, we presented a lot of techniques to shop for 1999 Mercedes-Benz CL-Class insurance online. The key thing to remember is the more you quote insurance, the better your comparison will be. Drivers may discover the lowest prices are with a smaller regional carrier. Regional companies may cover specific market segments cheaper compared to the large companies like Allstate and Progressive.

When trying to cut insurance costs, don’t be tempted to buy less coverage just to save a little money. There are many occasions where someone sacrificed physical damage coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy enough coverage at the best possible price, but do not skimp to save money.

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