Lower Your 2008 Mercedes-Benz CLK-Class Insurance Quotes

Looking for lower insurance rates for your Mercedes-Benz CLK-Class? Are you regretting the purchase of overpriced insurance? Don’t sweat it because there are many drivers thinking the same thing. Lots of car insurance companies contend for your business, and it can be difficult to compare rates to find the absolute best rates possible.

Smart consumers take time to compare rates quite often since insurance prices are rarely the same from one policy term to another. Even if you think you had the best deal on CLK-Class coverage at your last renewal you can probably find a lower rate today. There are lots of tips to save on insurance out there, but in a few minutes you can learn some guaranteed methods to save money.

Do you qualify for discount insurance coverage?

Insurance can cost an arm and a leg, but there’s a good chance there are discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but some discounts are required to be specially asked for prior to receiving the credit. If you don’t get every credit possible, you are just wasting money.

  • Auto/Home Discount – When you have multiple policies with one company you could earn a discount of at least 10% off all policies.
  • Buy New and Save – Buying a new car instead of a used car is cheaper because new vehicles keep occupants safer.
  • Save over 55 – Mature drivers may qualify for lower premium rates on CLK-Class coverage.
  • Smart Student Discounts – Performing well in school may save as much as 25% on a insurance quote. Earning this discount can benefit you up until you turn 25.
  • Discounts for Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates on CLK-Class coverage compared to accident prone drivers.
  • Resident Student – who are enrolled in a college that is more than 100 miles from home and do not have a car may qualify for this discount.
  • No Claim Discounts – Claim-free drivers have much lower rates as opposed to accident-prone drivers.
  • Multi-line Discount – Larger companies have a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
  • Low Miles Discount – Driving less can earn slightly better premium rates than normal.
  • Membership in Organizations – Participating in a qualifying organization may earn a discount on insurance coverage.

It’s important to understand that most discount credits are not given to your bottom line cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck.

Larger insurance coverage companies and some of the discounts are included below.

  • Farm Bureau may have discounts that include renewal discount, multi-policy, good student, 55 and retired, and youthful driver.
  • MetLife discounts include claim-free, good student, accident-free, defensive driver, multi-policy, and good driver.
  • Progressive includes discounts for online quote discount, multi-policy, continuous coverage, homeowner, good student, and online signing.
  • AAA may include discounts for anti-theft, education and occupation, good driver, multi-policy, and pay-in-full.
  • American Family offers premium reductions for TimeAway discount, Steer into Savings, mySafetyValet, good student, and defensive driver.
  • Geico has discounts for military active duty, good student, defensive driver, air bags, five-year accident-free, membership and employees, and anti-lock brakes.
  • State Farm has savings for accident-free, multiple autos, passive restraint, Steer Clear safe driver discount, anti-theft, and driver’s education.

Before buying, ask each insurance company to apply every possible discount. Some credits might not be offered on policies in your state. To view companies that offer some of these discounts, click this link.

What insurance coverages do I need?

When buying coverage, there is no best way to insure your cars. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered when driving in Canada or Mexico?
  • What vehicles should carry emergency assistance coverage?
  • What if I don’t agree with a claim settlement offer?
  • Are my friends covered when driving my car?
  • When can I cancel my policy?
  • Do I need rental car coverage?
  • Does coverage extend to a rental car in a foreign country?
  • If my pet gets injured in an accident are they covered?
  • Does car insurance cover theft of personal property?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Advertising and car insurance

Consumers can’t avoid all the ads that claim the best rates by companies like Geico, State Farm and Progressive. All the companies make the same claim of big savings if you change your policy.

How is it possible that every company can lower your rates? It’s all in how they say it.

Companies offer their best rates for the type of driver that earns them the most money. For example, a preferred risk may need to be married and over the age of 30, carries high limits, and insures a new vehicle. Anyone who matches those parameters will get a cheap rate quote and as a result will probably save a lot if they switch.

Drivers who are not a match for the requirements will be quoted more expensive rates and the customer buying from someone else. Company advertisements say “customers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can make claims like that.

Because every company is different, you need to get price quotes at each policy renewal. You cannot predict which company will provide the lowest auto insurance rates.

Insurance coverage options for a 2008 Mercedes-Benz CLK-Class

Knowing the specifics of insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like nursing services, rehabilitation expenses and pain medications. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision) – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a broken windshield, theft and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – This protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are set the same as your liablity limits.

Collision coverage – Collision insurance covers damage to your CLK-Class from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with another moving vehicle, damaging your car on a curb and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also raise the deductible to bring the cost down.

Auto liability – Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as court costs, medical expenses, attorney fees, funeral expenses and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Be a Smart Shopper

We just presented many ways to compare 2008 Mercedes-Benz CLK-Class insurance premium rates online. The key thing to remember is the more rate quotes you have, the better your comparison will be. Drivers may discover the most savings is with the least-expected company. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. In many instances, an insured dropped liability coverage limits and learned later they didn’t have enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best price, but do not skimp to save money.

Low-cost 2008 Mercedes-Benz CLK-Class insurance can be sourced both online and from local insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance companies may not have online quoting and many times these smaller companies work with independent agents.

More detailed insurance coverage information can be read by following these links: