Cheap 1999 Mercedes-Benz CLK-Class Car Insurance Quotes

No normal person looks forward to paying premiums for auto insurance, in particular when it costs too dang much. There is such a variety of car insurance companies to choose from, and even though it’s nice to have a selection, it can be more difficult to adequately compare rates.

Smart consumers take time to get comparison quotes before your policy renews because rates change quite often. Just because you found the best premium rates on CLK-Class insurance two years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn the things you must know in order to properly buy coverages and cut your premium.

The Mercedes-Benz CLK-Class insurance premium equation

Lots of things are taken into consideration when premium rates are determined. Some of the criteria are obvious like an MVR report, but other factors are less obvious like your continuous coverage or your commute time.It’s important that you understand the different types of things that are used to determine your premiums. If you understand what determines base rates, this enables you to make decisions that will entitle you to lower car insurance prices.

Qualify for multi-policy discounts – Some insurance companies will award better rates to people who buy several policies from them, otherwise known as a multi-policy discount. Discounts can be ten or even fifteen percent. If you currently are using one company, it’s still a good idea to compare other insurance prices to guarantee you are still saving the most.
Lower rates come with age – Inexperience drivers tend to be less responsible when behind the wheel so they pay higher car insurance rates. Older drivers are more responsible, are lower risk to insure and receive fewer citations.
Lower car insurance rates with theft deterrents – Buying a car with anti-theft technology or alarm system can earn a premium discount. Theft prevention features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.
Save money with higher coverage deductibles – Your deductibles define the amount you are willing to pay out-of-pocket in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. Examples of covered claims are rearending another vehicle, hail damage, and having a roll-over accident. The more you have to pay, the less your company will charge you for insurance on CLK-Class insurance.
Safer vehicles save money – Cars with five star safety ratings cost less to insure. These vehicles reduce the chance of injuries and reduced instances of injuries means lower claim amounts which can mean better rates for you.
Small claims can cost you – If you tend to file frequent claims, don’t be surprised to see higher rates. Car insurance companies give most affordable rates to people who are not frequent claim filers. Insurance coverage is intended for the large, substantial claims.
Uninterrupted coverage lowers car insurance rates – Driving your car without having proper coverage can get you a ticket and your next policy will cost more because you let your coverage have a gap. And not only will insurance be more expensive, getting caught without coverage could result in a license revocation or jail time.

How to buy insurance coverage online

Shopping for lower insurance coverage rates is a ton of work if you don’t know the best way to get rate quotes. You can waste hours discussing policy coverages with agents in your area, or you could save time and use online quoting to get prices fast.

All the larger companies belong to an insurance system that allows shoppers to send in one quote, and each company returns a competitive quote based on that information. This prevents consumers from doing quote requests to every company.

To submit your quote information now, click to open in new window.

The only drawback to pricing coverage this way is that consumers can’t choose the insurers you want to price. If you would rather choose specific insurance companies to compare rates, we have a page of low cost insurance coverage companies in your area. Click here to view list.

Whichever method you choose, make sure you compare equivalent coverage data for each price quote. If the quotes have different liability limits you will not be able to truly determine the lowest rate.

Use discounts to get cheaper insurance coverage rates

Properly insuring your vehicles can get expensive, but you may be missing some discounts that can help lower your rates. Certain reductions will be credited at the time of purchase, but lesser-known reductions have to be requested specifically in order for you to get them.

Save with a New Car – Adding a new car to your policy can save up to 30% compared to insuring an older model.
Pay Early and Save – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
Safety Course Discount – Successfully completing a class that teaches defensive driving techniques could save 5% or more and easily recoup the cost of the course.
Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on CLK-Class insurance with some insurance coverage companies.
Accident Waiver – This one is not really a discount per se, but a few companies such as Allstate and Progressive will allow you to have one accident before raising your premiums if you are claim-free for a certain period of time.
Early Switch Discount – A few companies give discounts for switching to them early. Ten percent is about the average savings.
Safety Restraint Discount – Drivers who require all vehicle occupants to buckle up before driving could cut 10% or more on medical payment and PIP coverage.
Multiple Policy Discount – If you can bundle your homeowners and auto insurance and insure them with the same company they may give you a discount of at least 10 to 15 percent or more.
Discount for Low Mileage – Low mileage vehicles could earn slightly better rates than normal.
Life Insurance Discount – If the company offers life insurance, you could get a discounted price on car insurance if you buy some life insurance too.

Don’t be surprised that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like liability, collision or medical payments. Even though the math looks like you can get free auto insurance, insurance coverage companies aren’t that generous.

To see a list of providers that offer discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your personal vehicles, there is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help you determine whether your personal situation would benefit from professional advice.

Am I covered when delivering products for my home-based business?
Is my custom paint covered by insurance?
How can I find cheaper teen driver insurance?
Is upholstery damage covered by car insurance?
Does my personal policy cover me when driving out-of-state?
Do I need medical payments coverage since I have good health insurance?
Do I need PIP (personal injury protection) coverage in my state?
What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Detailed coverages of your auto insurance policy

Understanding the coverages of auto insurance aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are the usual coverages found on most auto insurance policies.

Comprehensive auto coverage

This coverage will pay to fix 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 coverage pays for claims like fire damage, hitting a deer and rock chips in glass. The highest amount a auto 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.

Collision coverage protection

Collision coverage covers damage to your CLK-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as sustaining damage from a pot hole, colliding with another moving vehicle, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like EMT expenses, pain medications, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Normally these limits are set the same as your liablity limits.

Liability coverage

Liability insurance protects you from injuries or damage you cause to other people or property. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, structural damage and court costs. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Smart shoppers get results

Budget-conscious 1999 Mercedes-Benz CLK-Class insurance can be purchased both online and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer rate quotes online and these small insurance companies prefer to sell through independent insurance agencies.

You just learned some good ideas how you can lower your 1999 Mercedes-Benz CLK-Class insurance prices. It’s most important to understand that the more you quote insurance coverage, the better your comparison will be. Consumers may even find the lowest priced insurance comes from an unexpected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.