View 2014 Mercedes-Benz CL-Class Insurance Quotes

Trying to find the cheapest insurance coverage rates for your Mercedes-Benz CL-Class? Do you get exhausted from trying to scrape together enough money to make your insurance coverage payment? You are in the same boat as many other consumers.

Due to the large number of choices of insurance companies, it can be diffult for people to locate the lowest cost insurance coverage provider.

It’s a good habit to compare rates as often as possible due to the fact that insurance prices tend to go up over time. Even if you think you had the lowest price for CL-Class coverage two years ago the chances are good that you can find a lower rate quote today. Block out anything you think you know about insurance coverage because you’re going to get a crash course in the tricks you need to know to save on insurance coverage.

More discounts mean lower-cost premiums

Companies don’t always advertise their entire list of discounts very clearly, so the list below gives a summary of some of the more common and the more hidden discounts that may be available.

  • Own a Home and Save – Simply owning a home may trigger a policy discount on insurance since home ownership shows financial diligence.
  • More Vehicles More Savings – Having multiple vehicles on a single policy may reduce the rate for each vehicle.
  • Drive Less and Save – Fewer annual miles on your Mercedes-Benz could earn better prices on cars that stay parked.
  • Active Service Discounts – Having an actively deployed family member could mean lower premium rates.
  • Mature Driver Discount – If you’re over the age of 55, you may qualify for lower premium rates for CL-Class coverage.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance and place coverage with the same company you may earn up to 20% off your total premium.
  • Sign Early and Save – Select larger companies give a discount for buying a new policy prior to your current policy expiration. You could save around 10% when you buy insurance coverage online.
  • Discount for New Cars – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for newer vehicles.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of making monthly payments you can avoid the installment charge.
  • Seat Belt Usage – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) off PIP or medical payments premium.

As a footnote on discounts, some of the credits will not apply the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way. But any discount will lower the amount you pay for coverage.

Larger insurance companies and a partial list of their discounts are shown below.

  • Farmers Insurance discounts include business and professional, teen driver, homeowner, early shopping, electronic funds transfer, alternative fuel, and mature driver.
  • State Farm includes discounts for driver’s education, multiple policy, anti-theft, passive restraint, and defensive driving training.
  • Liberty Mutual has savings for teen driver discount, safety features, new move discount, newly married, preferred payment discount, and multi-policy.
  • MetLife may offer discounts for defensive driver, good driver, claim-free, multi-policy, and good student.
  • Progressive offers discounts including homeowner, online signing, online quote discount, multi-vehicle, multi-policy, and good student.

It’s a good idea to ask every prospective company to apply every possible discount. Savings may not be available in your area. To view companies that can offer you the previously mentioned discounts, click here.

Affordable insurance quotes online

To get cheaper insurance coverage quotes, there a variety of ways to compare rate quotes from many different insurance companies. The quickest method to comparison shop is to get quotes online. This is quite simple and can be completed in a couple minutes as outlined below.

The easiest and least time consuming way to find low rates is an all-inclusive rate comparison (click to open form in new window). This method prevents you from having to do separate quotation requests for each company. One form gets prices estimates from multiple low-cost companies.

A less efficient way to analyze rates is spending the time to visit each company’s website to complete a price quote. For instance, let’s assume you want to get rates from Farmers, Liberty Mutual and Progressive. To get rate quotes you would need to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method.

For a list of links to insurance companies in your area, click here.

However you get your quotes, make darn sure you compare apples-to-apples coverages and limits on every quote. If you are comparing different limits and deductibles on each one you will not be able to truly determine the lowest rate. Even a minor difference in insurance coverages could skew the results. And when comparing insurance rates, know that having more price comparisons helps locate lower pricing. Not every company allows you to get online quotes, so you should also compare prices from them as well.

It’s not one size fits all

When buying the best insurance coverage, there really is not a “perfect” insurance plan. Everyone’s needs are different and a cookie cutter policy won’t apply. For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • How much underlying liability do I need for an umbrella policy?
  • At what point should I drop full coverage?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I wreck a rental car?
  • Does my insurance cover my expensive audio equipment?
  • Is my trailer covered?
  • What can I do if my company denied a claim?
  • Is pleasure use cheaper than using my 2014 Mercedes-Benz CL-Class to commute?
  • Is a new car covered when I drive it off the dealer lot?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area.

Coverages available on your auto insurance policy

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average auto insurance policy.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sustaining damage from a pot hole, rolling your car, sideswiping another vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Coverage for liability

This coverage will cover damage that occurs to a person or their property that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage protects against things like court costs, bail bonds, loss of income, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as vandalism, damage from getting keyed, a broken windshield, rock chips in glass and falling objects. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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 CL-Class.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like prosthetic devices, chiropractic care and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Do the work, save more money

In this article, we covered many ideas to save on 2014 Mercedes-Benz CL-Class insurance. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may be surprised to find that the biggest savings come from a small mutual company. Smaller companies may only write in your state and offer lower prices than the large multi-state companies such as Geico and State Farm.

As you restructure your insurance plan, never reduce coverage to reduce premium. In too many instances, someone sacrificed liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your strategy should be to buy a smart amount of coverage at the lowest possible cost but still have enough coverage for asset protection.

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