Cheap 2008 Mercedes-Benz CLS-Class Car Insurance Rates

Want cheaper car insurance rates for your Mercedes-Benz CLS-Class? Online rate comparisons for low cost insurance probably sounds like a formidable task if you are like the majority of consumers and have never used online car insurance quotes. Don’t let the process intimidate you because finding affordable coverage online is easier than you think.

How to get insurance coverage quotes

There are multiple methods to compare insurance coverage prices and some are less labor-intensive and much quicker. You could spend the better part of a day talking about coverages with agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many companies are enrolled in a marketplace that enables customers to submit their information once, and each company can give them a price based on that information. This system prevents you from having to do quotation requests to each individual insurance coverage company.

To compare rates now click here to open in new window.

The one disadvantage to using this type of system is that consumers can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to request quotes from, we have a page of companies who write insurance coverage in your area. Click here for list of insurance companies.

Take whichever approach you prefer, but try to use identical quote information with every price quote. If the quotes have higher or lower deductibles it will be next to impossible to find the best deal for your Mercedes-Benz CLS-Class. Even a minor difference in limits could mean much higher rates. And when comparing insurance coverage rates, know that comparing a large number of companies provides better odds of finding the best offered rates. Not every company provides quotes online, so it’s recommended that you also compare quotes from those companies as well.

What insurance coverages do I need?

When choosing coverage, there really is no best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Do I really need UM/UIM coverage?
  • I don’t drive much so do I pay less?
  • Is my trailer covered?
  • How can I get high-risk coverage after a DUI?
  • Is pleasure use cheaper than using my 2008 Mercedes-Benz CLS-Class to commute?
  • Do I benefit by insuring my home with the same company?
  • Where can I find high-risk insurance?
  • Which is better, split liability limits or combined limits?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Insurance coverage breakdown

Understanding the coverages of a insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical costs insurance – Medical payments and Personal Injury Protection insurance reimburse you for bills for doctor visits, ambulance fees and surgery. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability coverages – This will cover damage that occurs to people or other property. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability insurance covers things like emergency aid, court costs, bail bonds, attorney fees and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Comprehensive or Other Than Collision – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as vandalism, falling objects and a broken windshield. The maximum payout a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.