How Much Does 2016 Mercedes-Benz CLA-Class Car Insurance Cost?

Looking for better auto insurance rates for your Mercedes-Benz CLA-Class? Scraping up a payment for overpriced Mercedes-Benz CLA-Class insurance can drain your budget and make it impossible to make ends meet.

There is such a variety of car insurance companies to pick from, and although it’s a good thing to be able to choose, more options can take longer to adequately compare rates.

This information will familiarize you with how to get online quotes and some money-saving tips. If you have car insurance now, you will be able to save some money using this information. Although car owners benefit from understanding the methods companies use to price insurance differently because it can help you find the best coverage.

Drivers save money with with these discounts

Insurance can cost an arm and a leg, but there could be available discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be specially asked for prior to receiving the credit.

  • Driver Safety – Passing a course in safe driver can save you 5% or more and easily pay for the cost of the class.
  • Discount for Passive Restraints – Cars that have air bags can receive discounts of more than 20%.
  • Anti-lock Brakes – Cars and trucks with anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Paperless Signup – Many insurance companies provide a small discount for buying a policy and signing up on the internet.
  • Discounts for Federal Employees – Having worked for a branch of the government can save as much as 8% on CLA-Class insurance with a few insurance companies.
  • No Charge for an Accident – Not necessarily a discount, but a handful of insurance companies permit an accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.

We need to note that most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Even though it appears you can get free auto insurance, companies wouldn’t make money that way.

To find insurers who offer discounts, click this link.

Insurance premiums are influenced by these factors

Many things are part of the equation when you get your auto insurance bill. Most are fairly basic like your driving record, but some are less apparent such as whether you are married or how safe your car is.

The items below are some of the factors used by companies to determine rates.

  • Never go without car insurance – Driving without insurance coverage in place is against the law and you may have a hard time finding new coverage because you let your coverage cancel without a new policy in place. In addition to paying higher rates, the inability to provide proof of insurance could earn you a revoked license or a big fine. You may then be required to provide proof of insurance in the form of an SR-22 filing with your state DMV.
  • Car insurance liability coverage limits – Your car insurance policy’s liability coverage will afford coverage if a court rules you are at fault for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost a lot. This coverage is very inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Proper usage rating affects rates – The more you drive your Mercedes-Benz each year the higher the price you pay to insure it. A lot of insurance companies calculate prices based upon how much you drive. Cars and trucks that have low annual miles receive lower rates than those that get driven frequently. It’s a good idea to make sure your policy properly reflects the correct usage. An incorrectly rated CLA-Class can cost quite a bit.
  • Safer cars cost less to insure – Vehicles that have high safety ratings get lower rates. Safe vehicles have better occupant injury protection and lower injury rates translates directly to fewer claims and thus lower rates.
  • Poor driving leads to higher premiums – Being a careful driver impacts premiums far more than you think. Only having one speeding ticket or other violation may increase your cost substantially. Drivers who don’t get tickets have lower premiums compared to bad drivers. Drivers unfortunate enough to have flagrant tickets such as hit and run, DWI or reckless driving convictions might be required by their state to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to keep their license.
  • Do you work long hours in a demanding job? – Occupational choices like military personnel, social workers and financial analysts tend to pay the highest rates in part from high stress and long work days. Other professions such as actors, athletes and homemakers pay lower than average rates on CLA-Class insurance.

Your situation helps dictate your coverage

When buying the best car insurance coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different and your policy should reflect that. These are some specific questions might point out whether or not you could use an agent’s help.

  • When should I buy a commercial auto policy?
  • Who is covered by my policy?
  • What is roadside assistance coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • Is my teenager covered with friends in the car?
  • Where can I find high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Insurance coverage basics

Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverage types offered by insurance companies.

Comprehensive coverages – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, damage from a tornado or hurricane and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability coverages – This coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as attorney fees, emergency aid, medical expenses and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – This pays for damage to your CLA-Class caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a parking meter, crashing into a building, sideswiping another vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz CLA-Class.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as hospital visits, pain medications and nursing services. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Final considerations

Budget-conscious 2016 Mercedes-Benz CLA-Class insurance is attainable from both online companies and from local agencies, and you should compare price quotes from both to have the best rate selection. Some insurance companies do not provide online rate quotes and these smaller providers sell through independent agents.

When shopping online for car insurance, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The goal is to buy enough coverage for the lowest cost, but do not sacrifice coverage to save money.

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