How Much Does 2013 Mercedes-Benz CLS-Class Insurance Cost?

Shoppers have options when shopping for low-cost Mercedes-Benz CLS-Class insurance. They can either waste time contacting agents to compare prices or leverage the internet to find the lowest rates. There is a right way and a wrong way to compare car insurance rates and we’ll show you the quickest way to price shop coverage for your Mercedes-Benz and get the best price possible.

Consumers should take time to check car insurance prices periodically because insurance rates change regularly. Just because you had the best premium rates on CLS-Class coverage six months ago other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money.

If you have a current insurance coverage policy or need new coverage, you will benefit by learning to shop for the lowest rates while maximizing coverage. This information will introduce you to how to get online quotes and some tricks to saving. Consumers just need to understand the proper way to shop their coverage around over the internet.

How to find affordable auto insurance

The majority of larger companies such as Allstate, Geico and Progressive allow you to get coverage price quotes on their websites. Getting quotes is easy for anyone as you simply type in your coverage information into a form. Once you submit the form, their rating system obtains your driving record and credit report and provides a quote.

Online quotes simplifies rate comparisons, but the time required to go to different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s necessary to have as many quotes as possible in order to get the lowest possible prices on auto insurance.

A less time-consuming method to find cheaper rates requires only one form that gets prices from more than one company. This type of form saves time, eliminates form submissions, and makes rate comparisons much more enjoyable and efficient. As soon as the form is sent, it gets priced with multiple companies and you can pick any or none of the quotes that you receive. If you find a better price you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and you will know how your current rates stack up.

If you want to use this form to compare rates, click here to open in a new tab and enter your information. To compare your current rates, we recommend you input deductibles and limits as close as possible to your current policy. This helps ensure you are getting a price comparison based on the exact same insurance coverage.

The auto insurance bait and switch

Consumers can’t avoid all the ads that promise big savings from companies such as Allstate, Geico and Progressive. They all make an identical promise that drivers can save some big amount just by moving your policy.

How is it plausible that every one can offer drivers better rates? Here is how they do it.

All companies provide the lowest rates for the type of insured that earns them the most money. For instance, a preferred risk should be over the age of 40, has a clean driving record, and drives newer vehicles. Anyone that meets those criteria will get a cheap rate quote and most likely will save money with a new company.

Potential customers who cannot meet the ideal profile may be required to pay more expensive rates and ends up with the customer buying from someone else. The ad wording is “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why insurance companies can confidently state the savings. This emphasizes why you absolutely need to get price quotes at each policy renewal. It’s not possible to predict which company will provide the lowest prices.

Insurance prices are influenced by these factors

Consumers need to have an understanding of a few of the rating criteria that aid in calculating your premiums. When consumers understand what impacts premium levels, this enables you to make decisions that can earn you lower auto insurance prices.

The factors shown below are some of the major factors used by your company to calculate premiums.

  • Teenage vs. older drivers – Older insureds tend to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.Inexperience drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle therefore auto insurance rates are much higher.
  • How credit rating affects auto insurance prices – Having a bad credit score can be a huge factor in your rate calculation. If your credit can be improved, you could be paying less to insure your 2013 Mercedes-Benz CLS-Class by repairing your credit. People that have very good credit scores tend to be better drivers and file fewer claims than drivers with lower ratings.
  • Females tend to take less risk – Over time, data shows females are less aggressive when driving. That doesn’t necessarily mean that men are worse drivers. Both genders have auto accidents in similar percentages, but the males have costlier accidents. They also get ticketed for serious violations like reckless driving and DUI.
  • Incidental coverages are wasting money – Insurance companies have many extra coverages that you can buy if you don’t pay attention. Things like vanishing deductibles, better glass coverage, and additional equipment coverage may be wasting your money. They may sound like good ideas initially, but if they’re wasting money remove them from your policy.

Insurance discounts help lower rates

Insurance is not inexpensive, but there could be significant discounts that many consumers don’t even know exist. Some trigger automatically at quote time, but lesser-known reductions have to be manually applied before being credited.

  • New Vehicle Savings – Insuring a new car can cost up to 25% less since newer models have better safety ratings.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency so companies will give you a small discount.
  • Telematics Discount – Policyholders that allow data collection to track vehicle usage by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could see a rate decrease as long as the data is positive.
  • Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz could qualify for substantially lower premium rates.
  • Senior Citizen Discount – Drivers over the age of 55 could receive a small decrease in premiums on CLS-Class coverage.
  • Distant College Student Discount – Youth drivers living away from home attending college and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • ABS Brakes – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.
  • Clubs and Organizations – Belonging to qualifying employment or professional organizations is a good way to get lower rates on insurance.
  • Bundle and Save – When you combine your auto and homeowners insurance and insure them both with the same insurance company you may earn up to 20% off your total premium.

You should keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only cut the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like you would end up receiving a 100% discount, that’s just not realistic.

The best insurance companies and a selection of discounts include:

  • AAA includes discounts for multi-car, pay-in-full, multi-policy, anti-theft, and education and occupation.
  • Progressive may have discounts that include continuous coverage, online quote discount, homeowner, multi-policy, good student, and online signing.
  • State Farm has savings for driver’s education, passive restraint, good student, multiple policy, defensive driving training, and safe vehicle.
  • Esurance discounts include homeowner, multi-policy, DriveSense, emergency road assistance, Pac-12 alumni, and paid-in-full.
  • Nationwide may offer discounts for good student, multi-policy, business or organization, anti-theft, defensive driving, and accident-free.

If you need cheaper insurance coverage quotes, ask all the companies which discounts can lower your rates. Depending on the company, some discounts may not apply in your area. For a list of insurance companies with discount insurance rates, click here.

Which is the best auto insurance?

When it comes to buying the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s situation is a little different.

For example, these questions can aid in determining whether your personal situation would benefit from professional advice.

  • When should my teen driver be added to my policy?
  • Should I buy only the required minimum liability coverage?
  • How do I file an SR-22 for a DUI in my state?
  • Is business equipment covered while in my vehicle?
  • Do I have newly-aquired coverage?
  • Does coverage extend to a rental car in a foreign country?
  • What companies insure drivers after a DUI or DWI?
  • Do I need medical payments coverage since I have good health insurance?
  • Should I have a commercial auto policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverages

Learning about specific coverages of a insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, hail damage, damage from flooding, damage from a tornado or hurricane and falling objects. The highest amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This pays for damage to your CLS-Class from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as damaging your car on a curb, sustaining damage from a pot hole, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Mercedes-Benz CLS-Class.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

Liability coverage can cover damage that occurs to other people or property that is your fault. This coverage protects you from claims by other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical services, repair costs for stationary objects, bail bonds and structural damage. How much liability should you purchase? That is your choice, but consider buying as much as you can afford.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for things like hospital visits, nursing services and dental work. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Be a smart shopper

As you restructure your insurance plan, do not buy less coverage just to save a little money. There have been many situations where an insured dropped full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to buy enough coverage for the lowest cost while still protecting your assets.

We just covered many tips how you can get a better price on 2013 Mercedes-Benz CLS-Class insurance. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising.

Some insurance companies do not provide online rate quotes and most of the time these smaller providers prefer to sell through local independent agents. Lower-priced insurance coverage can be sourced from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates.

Much more information about insurance coverage is located at these links: