Cheap 2006 Mercedes-Benz CLK-Class Insurance Quotes

Trying to find cheaper insurance coverage rates for your Mercedes-Benz CLK-Class? No sane person enjoys paying for insurance coverage, especially when they could lower their rates if they shopped around. Popular companies such as Progressive, Geico and Farmers Insurance promote their brand names with catchy ads and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

Insurance policy discounts

Insurance is not inexpensive, but you might be missing out on some discounts that can drop the cost substantially. Certain reductions will be credited when you complete an application, but a few must be specifically requested before they will apply.

  • Paper-free Discount – Many companies will give you a small discount for completing your application over the internet.
  • Bundled Policy Discount – If you can combine your auto and homeowners policy with one insurance company you may earn 10% to 20% off each policy.
  • Cautious Drivers – Drivers without accidents can get discounts for up to 45% lower rates for CLK-Class insurance than drivers with accidents.
  • ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and the ABS can save up to 10%.
  • No Accidents – Claim-free drivers have much lower rates as compared to frequent claim filers.
  • Pay Upfront and Save – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.

Drivers should understand that many deductions do not apply to your bottom line cost. Most only apply to specific coverage prices like liability and collision coverage. Despite the fact that it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies and their offered discounts include:

  • Farmers Insurance includes discounts for pay in full, multi-car, business and professional, teen driver, early shopping, youthful driver, and switch companies.
  • State Farm offers discounts for anti-theft, safe vehicle, Steer Clear safe driver discount, accident-free, good driver, and passive restraint.
  • Liberty Mutual policyholders can earn discounts including teen driver discount, new move discount, good student, safety features, newly retired, and new graduate.
  • MetLife may include discounts for accident-free, good student, good driver, multi-policy, claim-free, and defensive driver.
  • Progressive discounts include continuous coverage, online quote discount, good student, homeowner, and multi-vehicle.

Double check with each company or agent which discounts they offer. Some discounts listed above may not apply to policies in your state.

How do I know if I need professional advice?

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions could help you determine whether your personal situation may require specific advice.

  • Does insurance cover damages from a DUI accident?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does insurance cover tools stolen from my truck?
  • Can I drive in Mexico and have coverage?
  • Will I be non-renewed for getting a DUI or other conviction?
  • When should I drop full coverage on my 2006 Mercedes-Benz CLK-Class?
  • Is there coverage for injuries to my pets?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Auto insurance 101

Knowing the specifics of car insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most car insurance policies.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your 2006 Mercedes-Benz CLK-Class.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for X-ray expenses, funeral costs, ambulance fees, pain medications and nursing services. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like damage from flooding, a tree branch falling on your vehicle, hitting a bird, fire damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

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

Collision insurance covers things such as colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter, sustaining damage from a pot hole and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Liability insurance – This protects you from damage that occurs to people or other property. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things such as funeral expenses, medical expenses, medical services, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

One last thing

We just presented some good ideas how to compare 2006 Mercedes-Benz CLK-Class insurance rates online. The key concept to understand is the more quotes you get, the higher your chance of finding cheap insurance. You may be surprised to find that the lowest priced car insurance comes from an unexpected company. Regional companies may have significantly lower auto insurance rates on certain market segments compared to the large companies like Geico and State Farm.

While you’re price shopping online, never skimp on coverage in order to save money. In too many instances, someone sacrificed collision coverage and found out when filing a claim they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

A few companies may not provide rates over the internet regional insurance providers sell through local independent agents. Low-cost 2006 Mercedes-Benz CLK-Class insurance can be sourced from both online companies in addition to many insurance agents, so compare prices from both to have the best rate selection.

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