How Much Does 2018 Mercedes-Benz CLA-Class Car Insurance Cost?

Searching for cheaper auto insurance rates for your Mercedes-Benz CLA-Class? Locating cheaper insurance for a new or used Mercedes-Benz CLA-Class can be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to buy auto insurance so you’re going to learn the best way to quote coverages for a new or used Mercedes-Benz and locate the best price possible from both online companies and local agents.

It’s a great practice to quote other rates every six months because auto insurance rates are variable and change quite frequently. Even if you got the best premium rates for CLA-Class coverage a couple years back you can probably find a lower rate today. There are lots of tips to save on auto insurance online, but I’m going to show you some tested techniques to lower your auto insurance premiums.

Buying car insurance is easy if you know what you’re doing. If you are insured now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and still get good coverage. Vehicle owners just need to understand the proper methods to get comparison quotes online.

First Step: Get free insurance coverage quotes

All major insurance coverage companies make it easy to get coverage price quotes online. The process is quite simple as you just enter the coverage amounts you desire on the page. When the form is submitted, their rating system requests reports for credit and driving violations and generates pricing information based on the data you entered.

Online quotes makes it a lot easier to compare rates but the time it takes to visit multiple sites and enter the same data into a form is not the best way to spend an afternoon. But it is imperative to do this in order to find better prices.

Isn’t there an easier way to compare rates?

A better way to find lower prices requires only one form to return rates from several different companies. It’s a real time-saver, eliminates repetitive work, and makes rate comparisons much simpler. Immediately after submitting the form, it is quoted and you can choose any or none of the quote results. If you find a better price you simply finish the application and buy the policy. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

To find out how much you’re overpaying now, click here to open in new window and enter your information. If you currently have coverage, we recommend you type in the insurance coverages exactly as shown on your declarations page. This way, you will receive a price comparison for similar coverage.

Cheaper rates by taking advantage of discounts

Auto insurance is not cheap nor is it fun to buy but you may find discounts that could drop your premiums quite a bit. Some of these disounts will be visible at the time you complete a quote, but some need to be specially asked for before you get the savings.

  • Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you can avoid the installment charge.
  • Buy New and Save – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Use Seat Belts – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the PIP or medical payment premium.
  • Multi-car Discount – Having all your vehicles with the same auto insurance company can get a discount on all vehicles.
  • Resident Student – College-age children who are enrolled in higher education away from home and do not have a car can be insured at a reduced rate.
  • Auto/Life Discount – Insurance companies who offer life insurance give a break if you buy a life insurance policy as well.
  • Driver’s Education for Students – Require your teen driver to take driver’s ed class in school.
  • Discount for Swiching Early – Some companies give discounts for switching to them early. Ten percent is about the average savings.
  • Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz can earn better rates on cars that stay parked.

Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

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

  • Geico may have discounts that include federal employee, membership and employees, multi-policy, air bags, five-year accident-free, and multi-vehicle.
  • Travelers has savings for IntelliDrive, new car, payment discounts, hybrid/electric vehicle, and home ownership.
  • Nationwide offers discounts including multi-policy, business or organization, easy pay, good student, and defensive driving.
  • Farmers Insurance policyholders can earn discounts including good student, switch companies, teen driver, early shopping, youthful driver, and homeowner.
  • Esurance may include discounts for multi-car, multi-policy, paid-in-full, renters, and safety device.
  • State Farm may offer discounts for good driver, good student, passive restraint, Drive Safe & Save, multiple autos, anti-theft, and student away at school.
  • Progressive offers discounts for good student, multi-policy, online quote discount, multi-vehicle, and homeowner.
  • Mercury Insurance includes discounts for location of vehicle, ease of repair, age of vehicle, good student, type of vehicle, good driver, and anti-theft.

When getting free insurance quotes, it’s a good idea to each company or agent how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your area. To choose companies with significant discounts, follow this link.

How much insurance coverage do I need?

When choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if your situation might need an agent’s assistance.

  • Is my Mercedes-Benz CLA-Class covered if I use it for business?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I have coverage when using my vehicle for my home business?
  • Is upholstery damage covered by car insurance?
  • Do all my vehicles need collision coverage?
  • When can I cancel my policy?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Detailed coverages of your insurance policy

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Liability coverage – This will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against claims such as pain and suffering, medical services and legal defense fees. The amount of liability coverage you purchase is a personal decision, but consider buying higher limits if possible.

Comprehensive auto coverage – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, colliding with another moving vehicle and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Mercedes-Benz CLA-Class.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance kick in for bills like funeral costs, dental work, nursing services, surgery and EMT expenses. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be Smart and Buy Smart

Some insurance providers do not provide internet price quotes and usually these smaller providers provide coverage only through independent agents. Cheaper 2018 Mercedes-Benz CLA-Class insurance is possible on the web and also from your neighborhood agents, so you should compare both so you have a total pricing picture.

Consumers change insurance companies for many reasons like extreme rates for teen drivers, high rates after DUI convictions, an unsatisfactory settlement offer and policy cancellation. It doesn’t matter why you want to switch switching companies is not as hard as you think.

When you buy insurance online, do not buy poor coverage just to save money. Too many times, an insured dropped liability limits or collision coverage and discovered at claim time that it was a big mistake. The aim is to find the BEST coverage for the lowest cost.

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