View 2003 Mercedes-Benz CL-Class Insurance Quotes

Searching for the cheapest auto insurance rates for your Mercedes-Benz CL-Class? Have you had enough of being strong-armed to make your auto insurance payment? You are in the same boat as the majority of other people.

Lots of insurers contend to insure your vehicles, so it’s not easy to compare every insurance company to find the best rates possible.

It is always a good idea to compare premium rates as often as possible because insurance prices change regularly. Even if you think you had the best quotes for CL-Class coverage at your last renewal a different company probably has better rates today. There is a lot of bad advice regarding auto insurance online, but in just a couple of minutes you can learn some good information on how to stop overpaying for insurance.

Compare auto insurance quotes online

There are a variety of methods to shop for auto insurance, but some are easier and takes less work. You could waste a few hours talking to local insurance agents in your area, or you can stay home and use the internet to achieve your goal.

All the larger companies belong to an insurance system where prospective buyers submit their information once, and every company can give them a price based on the submitted data. This eliminates the need for quote requests for each company.

To find out what other companies charge click here (opens in new window).

The only downside to getting quotes like this is that consumers can’t choose the providers you want to price. So if you want to select from a list of companies to compare prices, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverage data with every price quote. If you have different deductibles it will be very difficult to make a fair comparison for your Mercedes-Benz CL-Class. Just slight variations in coverage limits can mean a large discrepancy in price. And when comparing auto insurance rates, know that comparing all the rates in your area provides better odds of finding more affordable insurance. Not every company provides online quotes, so it’s important to also get prices from those companies as well.

Lower rates by qualifying for discounts

Some providers don’t necessarily list every discount in a way that’s easy to find, so below is a list a few of the more common as well as the least known credits available to bring down your rates.

  • Multi-Vehicle Discounts – Buying insurance for several vehicles with one company can get a discount on all vehicles.
  • Bundle and Save – If you can bundle your home and auto insurance with the same company you could earn a discount of over 10 percent off each policy depending on the company.
  • Drive Safe and Save – Drivers without accidents may receive a discount up to 45% for CL-Class coverage as compared to drivers with claims.
  • Discounts for Government Workers – Employees or retirees of the government could provide a small rate reduction for CL-Class coverage with some insurance companies.
  • Senior Discount – If you’re over the age of 55, you could receive better insurance rates for CL-Class coverage.
  • Savings for New Vehicles – Insuring a vehicle that is new can cost up to 25% less because new model year vehicles have to meet stringent safety requirements.
  • Seat Belts Save – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Multi-line Discount – Some insurance companies give lower premium rates if you buy a life policy as well.
  • Sign Online – Certain larger companies give back up to $50 just for signing your application on the web.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS and/or traction control can avoid accidents so companies give up to a 10% discount.

You can save money using discounts, but most discounts do not apply to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, nobody gets a free ride.

A few of the larger companies and a partial list of their discounts are outlined below.

  • Geico includes discounts for anti-lock brakes, driver training, multi-vehicle, anti-theft, military active duty, and multi-policy.
  • Auto-Owners Insurance may include discounts for company car, multi-policy, group or association, mature driver, anti-theft, student away at school, and paid in full.
  • American Family discounts include good student, early bird, TimeAway discount, bundled insurance, accident-free, and good driver.
  • Esurance policyholders can earn discounts including DriveSense, multi-car, multi-policy, defensive driver, Pac-12 alumni, emergency road assistance, and claim free.
  • Progressive may have discounts that include homeowner, online signing, good student, online quote discount, and continuous coverage.
  • State Farm has savings for passive restraint, multiple policy, student away at school, Drive Safe & Save, and good student.
  • AAA offers discounts including good driver, good student, multi-car, multi-policy, and pay-in-full.

Double check with every insurance company to apply every possible discount. Some discounts may not apply in your state. To locate companies that provide some of the discounts listed above, click here to view.

Insurance is unique, just like you

When buying coverage for your vehicles, there is no best way to insure your cars. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if your situation might need an agent’s assistance.

  • What is UM/UIM insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • If I drive on a suspended license am I covered?
  • Can I afford to pay high deductible claims out of pocket?
  • Is a blown tire covered by insurance?
  • Do I need special endorsements for business use of my vehicle?
  • When can I cancel my policy?
  • How can I force my company to pay a claim?
  • Do I have newly-aquired coverage?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance companies in your area.

Informed drivers save more

Many factors are considered when premium rates are determined. Some of the criteria are obvious like your driving record, but some are more transparent like your vehicle usage or your commute time.

  • Do you save by driving less? – The more miles you rack up on your Mercedes-Benz in a year the more you’ll pay to insure it. A lot of companies charge to insure your cars based on their usage. Cars that are left in the garage can be on a lower rate level than vehicles that have high annual mileage. Having the wrong rating on your CL-Class is just wasting money. It’s a smart idea to ensure your policy shows the right rating data.
  • Always keep your insurance policy in place – Having a gap between insurance policy dates can be a sure-fire way to pay more for insurance. Not only will you pay more, getting caught without coverage could earn you a fine, jail time, or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Liability insurance preserves assets – The liability section of your policy will provide protection if ever you are responsible for causing personal injury or damage in an accident. Your policy’s liability insurance provides for a legal defense starting from day one. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
  • Teenage drivers pay more – Teenage drivers have a tendency to be more careless in a vehicle therefore insurance rates are much higher. More experienced drivers tend to be more responsible, file fewer claims , and usually have better credit.
  • Better premiums on safer vehicles – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and reduced instances of injuries means your insurance company pays less and more competitive rates for policyholders.
  • Rural vs Urban Areas – Residing in smaller towns and rural areas of the country may provide you with better prices when insuring your vehicles. Urban drivers tend to have much more traffic and longer commutes to work. Fewer drivers on the road translates into fewer accident claims in addition to lower liability claims
  • Vehicle theft costs us all – Driving a car with a theft deterrent system can earn a premium discount. Theft deterrent systems like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems help track and prevent your vehicle from being stolen.
  • Save money by eliminating incidental coverages – There are quite a few additional coverages that can add up on your CL-Class policy. Coverages like rental car coverage, towing, and Farm Bureau memberships may not be needed and are just wasting money. You may think they are a good idea when buying your policy, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.

Insurance policy specifics

Knowing the specifics of your policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Coverage for collisions

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a mailbox, driving through your garage door, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive (Other than Collision)

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like hail damage, theft and falling objects. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CL-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical expense insurance

Coverage for medical payments and/or PIP pay for short-term medical expenses like pain medications, surgery, nursing services, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Auto liability insurance

This will cover damages or injuries you inflict on other’s property or people in an accident. This insurance protects YOU against claims from other people, 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, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, pain and suffering and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

In conclusion

We just showed you a lot of ways to reduce 2003 Mercedes-Benz CL-Class insurance prices online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Consumers may even find the most savings is with a smaller regional carrier. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

More affordable insurance can be bought both online in addition to local insurance agencies, so you need to shop insurance with both to have the best chance of lowering rates. Some companies may not have online rate quotes and these regional carriers only sell through independent agents.

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