2009 Mercedes-Benz CLS-Class Insurance Rates – 7 Tips to Save

Want cheaper car insurance rates for your Mercedes-Benz CLS-Class? If you are a novice to online car insurance shopping, there’s a good chance you are overwhelmed by the vast number of insurers all advertising big savings.

It’s smart to compare prices yearly because car insurance prices trend upward over time. Just because you had the best price on CLS-Class coverage a few years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because it’s time to teach you the fastest way to find better rates and still maintain coverage.

If you currently have car insurance, you should be able to reduce your rates substantially using these techniques. Finding the lowest cost car insurance coverage is quite easy. Although consumers must understand the way insurance companies price online insurance because it can help you find the best coverage.

Car insurance companies offer money-saving discounts

Companies that sell car insurance don’t always publicize the entire discount list in a way that’s easy to find, so the next list breaks down some of the more common and the more hidden credits that may apply to you.

  • Discount for Home Ownership – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.
  • Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and do not have a car could qualify for this discount.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out life insurance.
  • Early Signing – Select insurance companies give a discount for switching policies before your current coverage expires. This can save 10% or more.
  • Military Discounts – Being deployed with a military unit may qualify for rate reductions.
  • Defensive Driver – Taking time to complete a safe driver course could save 5% or more depending on where you live.
  • Employee of Federal Government – Having worked for a branch of the government may qualify for a discount when you quote car insurance on CLS-Class coverage but check with your company.

Please keep in mind that some credits don’t apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, you’re out of luck.

Large car insurance companies and their possible discounts are detailed below.

  • Farm Bureau offers premium reductions for safe driver, good student, youthful driver, 55 and retired, and driver training.
  • MetLife has discounts for good student, claim-free, multi-policy, accident-free, and defensive driver.
  • Progressive policyholders can earn discounts including continuous coverage, online signing, multi-policy, online quote discount, and multi-vehicle.
  • AAA includes discounts for education and occupation, multi-car, good driver, pay-in-full, AAA membership discount, and good student.
  • American Family may offer discounts for defensive driver, early bird, multi-vehicle, good student, air bags, and good driver.
  • Geico offers discounts including anti-theft, good student, federal employee, driver training, multi-vehicle, and defensive driver.
  • State Farm has savings for driver’s education, Steer Clear safe driver discount, good driver, passive restraint, and multiple autos.

When comparing rates, check with every company which discounts you qualify for. Depending on the company, some discounts might not be available to policyholders everywhere. If you would like to view companies who offer free car insurance quotes, click this link.

The cheapest insurance rate quotes

Shopping for lower insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You could waste a few hours discussing policy coverages with agents in your area, or you can utilize online quotes to get the quickest rates.

All the larger companies enroll in a system where insurance shoppers only type in their quote data once, and every company can give them a price determined by their information. This system prevents you from having to do quote forms to each individual insurance company.

To submit your quote information now, click here to start a free quote.

The one disadvantage to comparing rates this way is that consumers can’t choose which insurance companies to receive prices from. So if you prefer to pick from a list of companies to compare, we put together a list of the cheapest insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, make sure you are using apples-to-apples quote information on every price quote you get. If your comparisons have different data you will not be able to make a fair rate comparison. Just slight variations in insurance coverages or limits can result in a big premium difference. Just remember that having more price comparisons provides better odds of finding more affordable rates.

Do I just need basic coverages?

When choosing the best auto insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different.

These are some specific questions might help in determining whether you might need professional guidance.

  • I have a DUI can I still get coverage?
  • Is motorclub coverage worth it?
  • What is roadside assistance coverage?
  • Am I missing any policy discounts?
  • Should I carry comprehensive and collision coverage?
  • Are my friends covered when driving my 2009 Mercedes-Benz CLS-Class?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when delivering products for my home-based business?
  • Is a blown tire covered by insurance?

If you’re not sure about those questions, you may need to chat with an agent. If you want to speak to an agent in your area, simply complete this short form.

Information about specific coverages

Learning about specific coverages of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Coverage for collisions

This will pay to fix damage to your CLS-Class resulting from a collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with a tree, crashing into a building, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

Liability coverage protects you from damage that occurs to other’s property or people. Coverage consists of three different 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 that means you have a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims like funeral expenses, legal defense fees, medical expenses, medical services and pain and suffering. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

This covers 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 coverage protects against things like a broken windshield, fire damage and hitting a bird. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills such as nursing services, doctor visits, hospital visits and chiropractic care. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and damage to your Mercedes-Benz CLS-Class.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

In conclusion

People who switch companies do it for a variety of reasons including high rates after DUI convictions, policy cancellation, denial of a claim or extreme rates for teen drivers. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

Some insurance companies do not provide internet price quotes and these regional carriers sell through local independent agencies. Cheaper 2009 Mercedes-Benz CLS-Class insurance is attainable online and from local agencies, so you should be comparing quotes from both in order to have the best chance of saving money.

We just presented a lot of techniques to get a better price on 2009 Mercedes-Benz CLS-Class insurance. The key concept to understand is the more times you quote, the higher the chance of saving money. You may even discover the lowest premium rates come from a company that doesn’t do a lot of advertising.

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