2013 Mercedes-Benz CL-Class Insurance Rates – 10 Ideas for Best Quotes

Want cheaper auto insurance rates for your Mercedes-Benz CL-Class? There isn’t a single person who gets a kick out of paying for auto insurance, particularly when they are paying too much. Consumers have many auto insurance companies to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to find the best rates for your vehicles.

It’s a good habit to do price comparisons periodically because auto insurance rates trend upward over time. If you had the best rate on CL-Class insurance a couple years back there is a good chance you can find better prices now. You can find a lot of information about auto insurance online, but you can learn some excellent ideas to lower your auto insurance rates.

Ten discounts for cheap auto insurance quotes

Car insurance companies do not advertise every possible discount very well, so the following is a list of a few of the more common as well as the least known credits that may apply to you.

  • E-sign – Some auto insurance companies will give a small break for buying your policy on the internet.
  • Club Memberships – Affiliation with qualifying clubs or civic groups can get you a small discount on your next auto insurance statement.
  • Drive Less and Save – Fewer annual miles on your Mercedes-Benz could qualify for discounted premium rates on garaged vehicles.
  • Early Renewal Discounts – Some insurance companies reward drivers for buying a policy early. You may see this discount when you get insurance coverage quotes online.
  • Discounts for Government Workers – Federal government employees could cut as much as 10% off on CL-Class insurance with some auto insurance companies.
  • Payment Method – By paying your entire bill at once as opposed to paying monthly you can avoid monthly service charges.
  • Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save 10% or more off the PIP or medical payment premium.
  • Military Rewards – Being deployed with a military unit could trigger a small discount.
  • Multi-car Discount – Having multiple cars with the same company qualifies for this discount.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll and complete driver’s education as it can save substantially.

A quick disclaimer, some of the credits will not apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

Companies and the discounts they provide can be found below.

  • Geico has savings for emergency military deployment, defensive driver, anti-lock brakes, air bags, multi-vehicle, and daytime running lights.
  • Auto-Owners Insurance may include discounts for safe vehicle, multi-policy, teen driver, safe driver, group or association, multiple vehicles, and anti-lock brakes.
  • American Family offers discounts for Steer into Savings, bundled insurance, good driver, mySafetyValet, and multi-vehicle.
  • Esurance has discounts for multi-policy, good driver, Switch & Save, homeowner, DriveSense, and Pac-12 alumni.
  • Progressive may offer discounts for homeowner, continuous coverage, online signing, good student, and multi-policy.
  • State Farm offers premium reductions for anti-theft, passive restraint, driver’s education, accident-free, multiple policy, good student, and Drive Safe & Save.
  • AAA may have discounts that include multi-car, good student, multi-policy, good driver, education and occupation, AAA membership discount, and anti-theft.

When comparing rates, check with every company what discounts are available to you. Some discounts may not apply in your state. To locate insurers that offer many of these discounts, click here.

Is there deception in advertising?

Consumers can’t avoid all the ads that claim the lowest rates from companies such as Allstate, Geico and Progressive. All the companies say the same thing about savings after switching your policy.

How does every company cost less than your current company? It’s all in the words they use.

All the different companies have specific criteria for the type of insured that will most likely be profitable. A good example of a preferred risk might be described as over age 30, has a clean driving record, and drives a vehicle with a low ISO rating. Any driver who matches those parameters will get low rates and will most likely save when switching.

Potential insureds who do not meet the requirements may be forced to pay higher rates which results in the prospect going elsewhere. Company advertisements say “customers who switch” not “everyone who quotes” save money. This is how insurance companies can advertise the way they do.

This illustrates why you need to compare quotes as often as possible. It is just not possible to predict which insurance companies will have the best car insurance rates for your profile.

You may need specialized auto insurance coverage

When it comes to buying coverage, there isn’t really a cookie cutter policy. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions might help in determining whether your personal situation might need professional guidance.

  • Does my policy cover my teen driver if they drive my company car?
  • Does my car insurance cover rental cars?
  • What is medical payments coverage?
  • Is my dog or cat covered if injured in an accident?
  • If I drive on a suspended license am I covered?
  • Do I need an umbrella policy?
  • Why am I required to buy liability insurance?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy aids in choosing which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages offered by insurance companies.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like surgery, doctor visits, chiropractic care and dental work. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Collision insurance

This coverage pays for damage to your CL-Class caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as rolling your car, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

This coverage will cover damage that occurs to a person or their property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, repair bills for other people’s vehicles, bail bonds, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of 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 identical to your policy’s liability coverage.

Comprehensive coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like hail damage, rock chips in glass and theft. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Do the work, save more money

As you restructure your insurance plan, do not skimp on coverage in order to save money. There are too many instances where someone dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage at a price you can afford while not skimping on critical coverages.

We just covered a lot of techniques to lower your 2013 Mercedes-Benz CL-Class insurance prices. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheap insurance coverage. Consumers may even find the lowest priced auto insurance comes from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

Cost effective 2013 Mercedes-Benz CL-Class insurance can be found from both online companies and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some auto insurance companies may not provide online rate quotes and most of the time these regional carriers only sell coverage through independent insurance agents.

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