2011 Mercedes-Benz CLS-Class Car Insurance Rates

Looking for the cheapest car insurance rates for your Mercedes-Benz CLS-Class? Have you had enough of wondering where the money will come from to keep your car insured? You are in the same boat as most other drivers.

Since you have so many options when it comes to car insurance, it can be hard to pick the lowest price insurer.

Buying affordable coverage is easy if you know what you’re doing. Basically, anyone who shops for insurance most likely will be able to save money. But drivers do need to understand how insurance companies compete online and use this information to your advantage.

Insurance policy discounts you can’t miss

Insurance can be prohibitively expensive, but there could be available discounts to reduce the price significantly. A few discounts will be applied when you complete an application, but some may not be applied and must be asked for prior to getting the savings. If you don’t get every credit available, you are paying more than you should be.

  • First Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies may permit one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can avoid accidents and the ABS can save up to 10%.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts as much as 30%.
  • Multi-Vehicle Discounts – Buying insurance for several vehicles on a single policy may reduce the rate for each vehicle.
  • Online Discount – A few larger companies may give you up to $50 for signing up on your computer.
  • Discount for Low Mileage – Low mileage vehicles could be rewarded with cheaper premium rates.
  • Club Memberships – Being in qualifying employment or professional organizations is a simple method to lower premiums on your next insurance statement.
  • Safe Driver Discount – Drivers who avoid accidents can get discounts for up to 45% lower rates for CLS-Class coverage compared to accident prone drivers.
  • Student Discount for Driver Training – Have your child complete a driver education course if offered at their school.
  • Driver Safety – Taking part in a defensive driving course is a good idea and can lower rates if your company offers it.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like comp or med pay. Even though the math looks like all the discounts add up to a free policy, you won’t be that lucky.

Companies and their possible discounts are included below.

  • Geico policyholders can earn discounts including membership and employees, seat belt use, multi-policy, anti-lock brakes, military active duty, federal employee, and air bags.
  • Travelers may have discounts that include save driver, student away at school, good student, IntelliDrive, early quote, multi-car, and continuous insurance.
  • Nationwide discounts include easy pay, business or organization, multi-policy, defensive driving, family plan, and good student.
  • Farmers Insurance offers discounts for business and professional, bundle discounts, teen driver, electronic funds transfer, youthful driver, and good student.
  • Esurance may offer discounts for paid-in-full, good driver, good student, DriveSense, anti-theft, defensive driver, and safety device.
  • State Farm offers premium reductions for anti-theft, good student, passive restraint, Steer Clear safe driver discount, good driver, and defensive driving training.
  • Progressive has discounts for multi-vehicle, online quote discount, multi-policy, homeowner, and online signing.
  • Mercury Insurance may include discounts for accident-free, type of vehicle, good student, annual mileage, multi-car, and anti-theft.

Before buying, ask every company which discounts can lower your rates. Some discounts might not be available to policyholders in every state. For a list of insurers that offer many of these discounts, click this link.

Compare quotes for car insurance

Comparing car insurance rates can be a lot of work if you don’t know the easiest way. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize the internet to quickly compare rates.

Most major companies enroll in a system where insurance shoppers submit their information once, and each participating company then gives them pricing based on that information. This prevents consumers from doing quote requests to each company.

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

One minor caviat to doing it this way is you don’t know exactly the insurers to receive prices from. If you would rather choose individual companies to receive pricing from, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

You can choose any of those ways to find more affodable coverage, but do your best to use exactly the same quote information with each company. If you have different deductibles it’s impossible to get a fair rate comparison. Even a minor difference in insurance coverages or limits may result in a large different in cost. And when comparing car insurance rates, know that obtaining a wide range of quotes helps you find better pricing.

Insurance agents can help

When it comes to buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For example, these questions can help discover if your insurance needs might need an agent’s assistance.

  • Why am I required to get a high-risk car insurance policy?
  • Will my rates increase for filing one claim?
  • What is covered by UM/UIM coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is my teen driver covered when they drive my company car?
  • Will I lose any money if I cancel my policy before it expires?
  • Is pleasure use cheaper than using my 2011 Mercedes-Benz CLS-Class to commute?
  • Do I need more liability coverage?
  • Should I buy additional glass protection?

If you can’t answer these questions then you might want to talk to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.

Auto insurance coverages and their meanings

Understanding the coverages 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 coverage can change by endorsement. These are the normal coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like fire damage, a broken windshield, theft, damage from flooding and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

This coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims like emergency aid, loss of income and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for pain medications, nursing services, dental work and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Coverage for collisions

This pays to fix your vehicle from damage resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

One last thing about your coverage

Low-cost 2011 Mercedes-Benz CLS-Class insurance can be bought from both online companies in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. There are still a few companies who do not offer the ability to get a quote online and these regional insurance providers prefer to sell through independent insurance agents.

In this article, we covered many tips how you can save on 2011 Mercedes-Benz CLS-Class insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your car insurance rates. Consumers may even find the lowest rates come from the smaller companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.

More detailed insurance information can be read in the articles below: