Lower Your 2015 Mercedes-Benz CLS-Class Insurance Quotes

Shoppers have many options when shopping for the lowest priced Mercedes-Benz CLS-Class insurance. They can either waste time driving around to compare prices or utilize the internet to get rate quotes.

There are both good and bad ways to compare car insurance rates and we’ll show you the absolute fastest way to quote coverages for a Mercedes-Benz and obtain the best price possible either online or from local insurance agents.

If you have a policy now or are just looking to switch companies, you can follow these tips to reduce the price you pay while maintaining coverages. The purpose of this post is to familiarize you with how to get online quotes and some tricks to saving. Consumers only need an understanding of the most efficient way to shop their coverage around on the web.

Take advantage of every insurance coverage discount

Car insurance companies don’t always publicize every discount they offer in a way that’s easy to find, so the following is a list of some of the best known in addition to some of the lesser obvious credits that may apply to you.

Anti-theft Discount – Cars and trucks that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.
55 and Retired – Mature drivers may be able to get a small decrease in premiums on CLS-Class coverage.
Auto/Home Discount – If you have multiple policies with the same insurance company you may earn at least 10 to 15 percent or more.
Discounts for Responsible Drivers – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on CLS-Class coverage compared to accident prone drivers.
Early Signing – Some companies reward drivers for switching policies prior to the expiration date on your current policy. It could save around 10% when you buy auto insurance online.
Save with More Vehicles Insured – Buying coverage for primary and secondary vehicles on the same insurance coverage policy can get a discount on all vehicles.
No Accidents – Insureds with no claims or accidents get the best insurance coverage rates compared to accident-prone drivers.
Seat Belts Save more than Lives – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only apply to specific coverage prices like liability, collision or medical payments. So even though you would think you would end up receiving a 100% discount, you aren’t that lucky.

For a list of insurers that offer multiple discounts, follow this link.

Free insurance coverage price quotes

There are a lot of ways to compare insurance coverage prices and some are more efficient than others. You could waste time driving to insurance agencies in your area, or you could use the web to get prices fast.

Most car insurance companies belong to a marketplace where insurance shoppers submit one quote, and each participating company then returns a price quote based on the submitted data. This prevents consumers from doing repetitive form submissions for each company you want a rate for. To find out what other companies charge click here to start a free quote.

One minor caviat to getting quotes like this is you cannot specify which carriers to get pricing from. If you prefer to choose individual companies to compare, we have a listing of insurance coverage companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you compare apples-to-apples coverages for each price quote. If your comparisons have different data you will not be able to make an equal comparison.

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How car insurance companies determine Mercedes-Benz CLS-Class insurance costs

A large part of saving on auto insurance is knowing some of the factors that go into determining the price you pay for auto insurance. If you have a feel for what determines premiums, this enables you to make decisions that may result in lower rates.

The items below are some of the factors utilized by car insurance companies to help set rates.

How do annual miles impact premiums? – Driving more miles in a year the higher your rate. Many insurance companies charge to insure your cars partially by how you use the vehicle. Autos not used for work or commuting can get a lower rate than those that get driven frequently. It’s always a good idea to double check that your auto insurance declarations sheet is rated on how each vehicle is driven, because improper ratings can cost you money. Having an incorrect usage rating on your CLS-Class can cost quite a bit.
Expect high rates for teens – More experienced drivers have been proven to be more responsible, are lower risk to insure .Teenage drivers are statistically shown to be more careless when driving and because of this, their auto insurance rates are much higher.
Rates can change based on your address – Living in less populated areas is a positive aspect when trying to find low car insurance rates. Urban drivers have more road rage incidents and more time behind the wheel. Lower population means fewer accidents and lower theft and vandalism rates.
Extra coverages can add up – Policies have additional extra coverages that can add up if you aren’t diligent. Insurance for things like rental car reimbursement, accident forgiveness, and motor club memberships are probably not needed. The coverages may be enticing when buying your policy, but if you have no use for them think about removing them and cutting costs.
Never allow your auto insurance to lapse – Driving with no insurance is against the law and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a fine, jail time, or a revoked license.
Certain occupations pay higher premiums – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like real estate brokersair traffic controllers and emergency personnel generally have the highest rates because of intense work-related stress and long work days. On the other hand, professions such as farmers, engineers and retirees generally pay rates lower than average on CLS-Class coverage.
Vehicle options that lower premiums – Choosing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all help stop auto theft and help lower rates.
Use one insurance company and save – Most major auto insurance companies give a discount to insureds who carry more than one policy. It’s known as a multi-policy discount. Even with this discount, it’s always a smart idea to check prices from other companies to confirm you are receiving the best rates possible. You may still save even more by splitting coverages up.

How to know if you need help

When it comes to choosing coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

When do I need to add a new car to my policy?
Do I have coverage when pulling a U-Haul trailer?
Does my 2015 Mercedes-Benz CLS-Class need full coverage?
Does insurance cover tools stolen from my truck?
Is my babysitter covered when using my vehicle?
Am I getting all the discounts available?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It is quick, free and you can get the answers you need.

What car insurance coverages do you need?

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, rock chips in glass and vandalism. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for 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 only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are set the same as your liablity limits.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for expenses for funeral costs, nursing services and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Collision coverage – Collision coverage covers damage to your CLS-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as scraping a guard rail, sustaining damage from a pot hole, crashing into a building and driving through your garage door. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible to bring the cost down.

Liability car insurance – This will cover damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims like medical expenses, legal defense fees and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Better coverage you can count on

While you’re price shopping online, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where someone sacrificed collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at a price you can afford, but don’t skip important coverages to save money.

Low-cost 2015 Mercedes-Benz CLS-Class insurance can be sourced online in addition to many insurance agents, so you need to quote auto insurance with both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get quotes online and these small, regional companies work with local independent agencies.

In this article, we presented a lot of techniques to compare 2015 Mercedes-Benz CLS-Class insurance rates online. The key thing to remember is the more providers you compare, the higher your chance of finding the cheapest auto insurance. You may even find the most savings is with a small local company.

Much more information about car insurance is available at the links below