2007 Mercedes-Benz CL-Class Car Insurance Quotes

There isn’t a single person who loves paying for car insurance, especially when their premiums are through the roof. Many insurers vie for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute lowest rate possible.

How to lower your car insurance cost

Lowering your 2007 Mercedes-Benz CL-Class car insurance rates is pretty simple and can save money. All that’s required is to spend a little time getting comparison quotes to see which company has affordable insurance quotes. You can get a good selection of rate quotes using one of these methods.

  1. The most efficient way to get the best comparison quotes is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for boring form submissions to each individual car insurance company. Taking the time to complete one form will return price quotes from several companies.
  2. A more difficult way to find lower rates requires you to visit the website of each company and request a quote. For examples sake, we’ll pretend you want to compare Progressive, Farmers and Travelers. You would have to go to every website and enter your information, which can get old fast. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just make sure you compare equivalent coverages and limits with each company. If the quotes have different coverage information it will be nearly impossible to make an equal comparison.

Is there deception in advertising?

Consumers get pounded daily by advertisements that claim the best premium rates from the likes of 21st Century, Allstate and State Farm. They all seem to make the promise of big savings if you switch your coverage to them.

It sounds good, but how can they all charge you a lower premium? It’s all in the wording.

Companies have a preferred profile for a prospective insured that earns them the most money. An example of this type of driver might have to be over the age of 35, carries high limits, and chooses high deductibles. Anybody who fits that profile receives the best premium rates and will most likely cut their rates substantially.

Consumers who don’t meet those standards will be charged higher premiums and this results in the customer buying from a different company. The trick is to say “drivers who switch” not “everyone who quotes” save that kind of money. That’s the way insurance companies can make it sound like they have such great premium rates.

Because of these techniques, it is so important to quote coverage with many companies. It’s impossible to know which insurance coverage company will be your best fit.

Insurance premium influencing factors

An important part of buying insurance is that you know some of the factors that play a part in calculating insurance coverage rates. If you understand what influences your rates, this enables you to make decisions that may result in lower premium levels.

The itemized list below are a few of the “ingredients” that factor into rates.

  • Policy add-ons may be wasting money – There are many extra coverages that you can get tricked into buying but may not be useful. Coverage for things like rental car reimbursement, towing, and motor club memberships are probably not needed. They may seem like a good idea when you first buy your policy, but now you might not need them so get rid of them and save.
  • Don’t cut corners with liability protection – The liability section of your policy is the coverage that protects you if a jury decides you are liable for personal injury or accident damage. This coverage 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 drivers should carry high limits.
  • Annual miles is a factor – The higher the mileage driven in a year’s time the higher the price you pay to insure it. A lot of insurance companies rate vehicles based on how the vehicle is used. Cars that sit idle most of the time cost less to insure compared to those used for work or business. Make sure your insurance coverage policy states the correct usage for each vehicle. Having the wrong rating on your CL-Class may be costing you.
  • Reduce premiums by staying claim free – If you file claims often, you can definitely plan on higher premiums or even policy non-renewal. Car insurance companies generally give most affordable rates to policyholders who file claims infrequently. Auto insurance is designed for the large, substantial claims.

More affordable rates by getting discounts

Car insurance is neither fun to buy or cheap, but there’s a good chance there are discounts that could help you make your next renewal payment. Some trigger automatically at the time of quoting, but a few must be specially asked for prior to receiving the credit.

  • Defensive Driver Discount – Successfully completing a course in driver safety could save 5% or more and also improve your driving technique.
  • Onboard Data Collection – Policyholders that allow their insurance company to track their driving habits by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as the data is positive.
  • Theft Deterent – Cars and trucks optioned with advanced anti-theft systems help deter theft and will qualify for a discount on a insurance quote.
  • Seat Belts Save more than Lives – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save a little on the premium charged for medical payments and/or PIP.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance and insure them with the same company you will save at least 10% off all policies.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, car insurance companies aren’t that generous.

Insurance companies that may have some of the above discounts include:

If you want the cheapest insurance quotes, ask all the companies which discounts can lower your rates. All car insurance discounts may not apply in your area.

Your insurance coverage should be tailored to you

When choosing the best insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so your insurance needs to address that. These are some specific questions can help discover whether or not you could use an agent’s help.

  • Do I need higher collision deductibles?
  • How do I file an SR-22 for a DUI in my state?
  • Does coverage extend to Mexico or Canada?
  • Am I covered if I wreck a rental car?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can my teen drive my company car?

If you’re not sure about those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Coverages available on your policy

Having a good grasp of your car insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from car insurance companies.

Liability

This coverage protects you from damage or injury you incur to other’s property or people. This coverage protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as pain and suffering, bail bonds, loss of income and medical services. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Collision coverage protection

Collision insurance will pay to fix damage to your CL-Class from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as driving through your garage door, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they 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.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like hitting a deer, damage from flooding and fire damage. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, prosthetic devices, ambulance fees and hospital visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Buy online or local, you save

The cheapest 2007 Mercedes-Benz CL-Class insurance is possible online as well as from insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies don’t offer the ability to get quotes online and most of the time these smaller providers only sell coverage through local independent agencies.

You just learned a lot of techniques to compare 2007 Mercedes-Benz CL-Class insurance prices online. The key thing to remember is the more rate quotes you have, the higher your chance of finding low cost insurance. You may even discover the best price on insurance is with an unexpected company. Some small companies often have lower rates on specific markets than their larger competitors like State Farm or Progressive.

Additional information is available at the links below