Cheaper 2010 Mercedes-Benz CLS-Class Insurance Rates

Paying for pricey Mercedes-Benz CLS-Class insurance can bleed your accounts and force you to cut corners elsewhere. Comparing price quotes is a fast and free way to cut your insurance bill.

Having so many companies and agents to choose from, it’s difficult to find the lowest cost insurance coverage company.

The cheapest auto insurance

There are a lot of ways to compare auto insurance prices but there is one way that is less labor-intensive and much quicker. You can waste a lot of time talking to agents in your area, or you can stay home and use online quotes to accomplish the same thing much quicker.

Most major companies belong to a marketplace where prospective buyers submit one quote, and every company then returns a price quote based on that information. This system prevents you from having to do form submissions to every company.

To enter your information into the quoting system, click here (opens in new window).

The only downside to comparing rates this way is that you can’t choose which carriers you will receive quotes from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of low cost auto insurance companies in your area. Click here to view list.

Whichever method you choose, try to use exactly the same quote information for each comparison quote. If you compare different values for each quote it’s impossible to decipher which rate is best.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there really is no cookie cutter policy. Each situation is unique and your policy should reflect that. These are some specific questions might point out whether you would benefit from professional advice.

  • How high should my uninsured/underinsured coverage be in my state?
  • Do I have coverage if my license is suspended?
  • When would I need additional glass coverage?
  • How can I get high-risk coverage after a DUI?
  • Is my nanny covered when driving my vehicle?
  • Does my car insurance cover rental cars?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Coverages available on your insurance policy

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages available from insurance companies.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for rehabilitation expenses, funeral costs, nursing services and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance – This will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as funeral expenses, repair costs for stationary objects, medical services, loss of income and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy higher limits if possible.

Collision – Collision coverage pays for damage to your CLS-Class resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with another moving vehicle, crashing into a ditch, damaging your car on a curb and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision – This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like hitting a bird, damage from getting keyed, theft, damage from flooding and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM Coverage – This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.