2016 Mercedes-Benz CLS-Class Car Insurance Quotes – 7 Ideas for Cheaper Rates

Want better insurance coverage rates for your Mercedes-Benz CLS-Class? Trying to come up with a payment for overpriced insurance coverage can dry up your accounts and maybe even restrict other spending. Price shopping at each renewal is free and is an excellent way to cut your insurance bill.

Because there are so many insurance companies to choose from, it can be diffult for drivers to find the best insurer.

It’s a good habit to take a look at other company’s rates quite often because insurance coverage prices tend to go up over time. Despite the fact that you may have had the lowest price for CLS-Class coverage on your last policy you may be paying too much now. You can find a lot of information about insurance coverage on the internet, but in a few minutes you can learn some proven techniques to lower your insurance coverage bill.

How to buy insurance coverage

When comparison shopping, there are several ways to compare rate quotes from companies that offer insurance coverage in your state. The fastest way to find the cheapest 2016 Mercedes-Benz CLS-Class insurance rates is simply to get online rate quotes. This can be accomplished in a couple of different ways.

  1. If you are pressed for time, the simplest way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This style of form prevents you from having to do separate quote forms for every company. One form submission will return price quotes from multiple companies.
  2. A more time consuming way to analyze rates is to take the time to go to each individual company website and fill out a new quote form. For sake of this example, we’ll assume you want to get rates from Farmers, Progressive and Allstate. You would be required to go to every website to enter your coverage information, which can take a lot of time.

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

It doesn’t matter which method you choose, just be sure to compare identical coverage limits and deductibles for each quote you get. If you enter different limits and deductibles on each one you can’t possibly get a fair rate comparison. Just a small difference in insurance coverages can make a big difference in price. It’s important to know that obtaining a wide range of quotes helps increase your odds of locating better pricing.

Auto insurance in the media

Big name companies like State Farm, Allstate and Geico endlessly run ads in print and on television. All the ads advertise claims of big savings after switching your coverage to them. How is it plausible that every one can charge you a lower premium? It’s all in the wording.

All the different companies give the cheapest rates for the right customer that will generate a profit. One example of a profitable insured might be between the ages of 40 and 55, owns a home, and has a short commute. Any new insured that fits those parameters will probably get cheap prices and will probably save when switching.

Insureds who are not a match for these standards will get more expensive rates which results in the customer not purchasing. The ads say “customers that switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently advertise the savings. Because every company is different, it’s extremely important to get a wide range of price quotes. It’s just not possible to know which company will give you lower car insurance rates than your current company.

Cut your car insurance rates with these seven discounts

Buying car insurance is not cheap, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be specially asked for before being credited. If they aren’t giving you every credit possible, you are paying more than you should be.

  • Defensive Driver Discounts – Passing a course teaching defensive driver skills can save you 5% or more if your company offers it.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Buy New and Save – Buying a new car instead of a used car can save you some money because newer vehicles have to meet stringent safety requirements.
  • Employee of Federal Government – Employees or retirees of the government may reduce rates when you quote car insurance for CLS-Class coverage depending on your company.
  • Discounts for Good Drivers – Accident-free drivers may save up to 50% more for CLS-Class coverage than their less cautious counterparts.
  • Discount for Life Insurance – Not all insurance carriers offer life insurance, but some may give you lower car insurancerates if you buy some life insurance too.
  • Senior Citizens – Drivers that qualify as senior citizens could receive a slight reduction on a car insurance quote for CLS-Class coverage.

Consumers should know that many deductions do not apply to your bottom line cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you can get free auto insurance, nobody gets a free ride. Any amount of discount will help reduce your overall bill.

To find providers with discount car insurance rates, click here to view.

You are unique and your insurance coverage should be too

When choosing the best insurance coverage coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • Am I covered by my spouse’s policy after a separation?
  • Am I better off with higher deductibles on my 2016 Mercedes-Benz CLS-Class?
  • Which is better, split liability limits or combined limits?
  • Does liability extend to a camper or trailer?
  • Do I benefit by insuring my home with the same company?
  • Do I need rental car coverage?

If you’re not sure about those questions, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Learn about car insurance coverages for a 2016 Mercedes-Benz CLS-Class

Knowing the specifics of car insurance aids in choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.

Liability coverage

This coverage provides protection from injuries or damage you cause to other’s property or people. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, bail bonds, attorney 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 high a limit as you can afford.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like pain medications, surgery, prosthetic devices and funeral costs. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision insurance

This covers damage to your CLS-Class resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a parking meter, crashing into a ditch, hitting a mailbox, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as rock chips in glass, a broken windshield, falling objects and vandalism. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CLS-Class.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Final considerations

When searching for cheaper car insurance quotes, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

The cheapest 2016 Mercedes-Benz CLS-Class insurance can be found from both online companies in addition to local insurance agencies, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide rates over the internet and these small insurance companies only sell through local independent agencies.

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