2017 Mercedes-Benz CLA-Class Insurance Cost

Trying to find lower auto insurance rates for your Mercedes-Benz CLA-Class? Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Say no more because many drivers have buyer’s remorse.

Numerous car insurance companies battle for your business, and because of this it can be hard to compare insurers and get the best coverage at the best rates possible.

Compare insurance rate quotes

To get the cheapest auto insurance quotes, there a variety of ways to compare prices from companies that offer insurance in your state. The fastest way to compare 2017 Mercedes-Benz CLA-Class insurance prices is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

One of the best ways consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate quotes for every prospective company. One quote request will get you price quotes from multiple companies.

A harder way to analyze rates requires you to visit each individual company website and fill out a new quote form. For example, we’ll assume you are doing a rate comparison from Farmers, State Farm and Allstate. In order to compare rates, you need to take the time to go to each site and repeatedly enter your information, which explains why we recommend starting with the first method. For a handy list of car insurance company links in your area, click here.

The last method to compare price quotes is to waste gas driving to insurance agents’ offices. Doing it all online eliminates the middleman unless you have a complicated situation and need the peace of mind only provided by licensed agents. It is possible to price shop your coverage online but still have the advice of a local agent.

Take whichever approach you prefer, but make darn sure you compare equivalent coverages and limits for every quote you compare. If you have unequal deductibles or liability limits it will be next to impossible to make a fair rate comparison. Slightly different insurance coverages may result in a large different in cost. Just keep in mind that comparing more company’s prices helps you find the best rates.

Big brands don’t always mean big savings

Companies like Allstate and Progressive constantly bombard you with television, radio, and online ads. All the companies state the claim that you can save just by switching your policy. But how can every company make the same claim? Here is how they do it.

Different companies provide the lowest rates for the right customer that will generate a profit. For instance, a profitable risk profile could possibly be between the ages of 30 and 50, has no tickets, and drives less than 5,000 miles a year. Someone that hits that “sweet spot” will probably get the lowest prices and have a good chance to pay quite a bit less when switching companies.

Potential insureds who do not meet the requirements will see a higher premium and ends up with business going elsewhere. If you pay close attention to the ads, they say “people that switch” not “everyone that quotes” save the amount stated. That is how insurance companies can make claims that they all have the best rates.

This emphasizes why it is so important to do a quote comparison often. Because you cannot predict which car insurance company will give you lower prices than your current company.

More discounts mean lower-cost premiums

Car insurance can be pricey, but there’s a good chance there are discounts that you may not even know about. A few discounts will be applied when you complete an application, but lesser-known reductions have to be specifically requested in order for you to get them.

  • Senior Citizens – If you qualify as a senior citizen, you could receive better car insurance rates on CLA-Class coverage.
  • Drive Less and Save – Driving fewer miles may enable drivers to earn discounted prices on garaged vehicles.
  • Buy New and Save – Insuring a new car can be considerably cheaper because newer vehicles are generally safer.
  • Homeowners Pay Less – Being a homeowner can save a few bucks due to the fact that maintaining a home requires personal responsibility.
  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Defensive Driver Discount – Completing a safe driver class could cut 5% off your bill and easily recoup the cost of the course.
  • Discount for Good Grades – A discount for being a good student may save you up to 25%. The good student discount can last until age 25.
  • Passive Restraints – Vehicles equipped with air bags can get savings of 20% or more.
  • Accident Free – Claim-free drivers get the best car insurance rates in comparison with bad drivers.
  • Renewal Discounts – Select companies give a discount for renewing your policy before your current policy expires. You may see this discount when you get auto insurance quotes online.

We need to note that many deductions do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

Large car insurance companies and a summarized list of policyholder discounts can be found below.

  • Farmers Insurance policyholders can earn discounts including mature driver, teen driver, pay in full, bundle discounts, alternative fuel, business and professional, and multi-car.
  • State Farm discounts include student away at school, anti-theft, driver’s education, multiple autos, Drive Safe & Save, and accident-free.
  • Liberty Mutual has savings for hybrid vehicle, new graduate, safety features, good student, and new move discount.
  • MetLife offers premium reductions for good driver, claim-free, accident-free, good student, defensive driver, multi-policy
  • Progressive includes discounts for multi-vehicle, online signing, good student, online quote discount, homeowner, and multi-policy.

Before purchasing a policy, check with each company or agent to apply every possible discount. Some credits may not be offered everywhere. If you would like to see a list of insurance companies with the best discounts, click this link.

It’s not one size fits all

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions might help in determining if you would benefit from professional advice.

  • Is a blown tire covered by insurance?
  • Am I missing any policy discounts?
  • Do I need higher collision deductibles?
  • Am I covered when pulling a rental trailer?
  • Do I have coverage for damage caused while driving under the influence?
  • Why does it cost so much to insure a teen driver?

If it’s difficult to answer those questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Information about specific coverages

Understanding the coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your CLA-Class caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, sustaining damage from a pot hole, driving through your garage door, backing into a parked car and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Auto liability insurance

Liability coverage protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, 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. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, bail bonds, attorney fees, medical expenses and funeral expenses. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family and also any damage incurred to your 2017 Mercedes-Benz CLA-Class.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, a broken windshield and hail damage. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses for chiropractic care, X-ray expenses, ambulance fees, hospital visits and nursing services. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage

Quote more. Save more.

Discount 2017 Mercedes-Benz CLA-Class insurance is available from both online companies and from local agencies, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance providers may not provide the ability to get quotes online and many times these small, regional companies sell through independent agents.

We’ve covered some good ideas how to get a better price on 2017 Mercedes-Benz CLA-Class insurance. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the most savings is with a small local company. These smaller insurers can often provide lower car insurance rates in certain areas than their larger competitors like Progressive or Geico.

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