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

I can’t think of a single person who fancies paying their premiums for insurance, especially knowing their premiums are through the roof.

Companies like Geico and Progressive increase brand awareness with advertising and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

Buy insurance online

Effectively comparing insurance prices can be challenging if you don’t know the best way to get rate quotes. You could spend your day discussing policy coverages with insurance agencies in your area, or you could save time and use the web to get pricing more quickly.

Most of the best insurance companies participate in a marketplace where insurance shoppers only type in their quote data once, and every company then returns a price quote determined by their information. This eliminates the need for form submissions for every insurance company. To enter your information into the quoting system, click here to start a free quote.

The only drawback to doing it this way is that consumers can’t choose the providers you want pricing from. So if you want to select individual companies to compare rates, we have assembled a list of companies who write insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but be certain you are entering equivalent coverages for each price quote. If your comparisons have unequal deductibles or liability limits it will be very difficult to make a fair comparison for your Mercedes-Benz CLS-Class. Even a minor difference in coverages can make a big difference in price. And when comparison shopping, comparing more company’s prices increases the change that you will find a lower rate. Some smaller insurers to not give prices over the internet, so you should also compare price quotes from the smaller companies as well.

Take advantage of every insurance discount

Companies offering auto insurance do not advertise every available discount very well, so the list below contains a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy insurance coverage online. If you check and find you aren’t receiving every discount you qualify for, you could be paying more than you need to.

  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house demonstrates responsibility.
  • Braking Control Discount – Cars equipped with ABS or steering control can stop better under adverse conditions so you can save 10 percent or more.
  • Early Signing – A few companies give discounts for switching policies prior to your current policy expiring. You may see this discount when you get insurance coverage quotes online.
  • Senior Citizens – Seniors may qualify for a small discount on rates on CLS-Class coverage.
  • Lower Rates for Military – Having an actively deployed family member could be rewarded with lower rates.
  • Government Employees – Simply working for the federal government may reduce rates when you quote insurance coverage on CLS-Class coverage depending on your insurance provider.
  • Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems help deter theft and can earn a small discount on your policy.
  • Good Grades Discount – Excelling in school can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
  • Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course in school.

Remember that most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

The best insurance companies and a selection of discounts are:

  • State Farm may have discounts that include driver’s education, passive restraint, Drive Safe & Save, defensive driving training, and anti-theft.
  • Progressive offers discounts for multi-policy, multi-vehicle, online quote discount, continuous coverage, online signing, good student, and homeowner.
  • Progressive may include discounts for online quote discount, multi-vehicle, continuous coverage, multi-policy, and online signing.
  • MetLife has savings for good driver, claim-free, defensive driver, good student, accident-free, and multi-policy.
  • Farm Bureau offers discounts including safe driver, driver training, good student, renewal discount, and 55 and retired.
  • Geico policyholders can earn discounts including emergency military deployment, anti-theft, federal employee, seat belt use, driver training, and multi-vehicle.
  • SAFECO discounts include anti-lock brakes, anti-theft, teen safety rewards, safe driver, drive less, and accident prevention training.

When getting free insurance coverage quotes, it’s a good idea to each company what discounts are available to you. Some of the earlier mentioned discounts might not apply in your area.

How your CLS-Class insurance costs are determined

Part of the insurance coverage buying process is learning the different types of things that go into determining the level of your policy premiums. If you understand what controls the rates you pay, this enables informed choices that may reward you with much lower annual insurance costs. Lots of factors are used in the calculation when quoting car insurance. Some factors are common sense like your driving record, but other factors are less apparent such as your marital status and annual miles driven.

The factors shown below are some of the factors used by your company to calculate premiums.

  • Being married can lower premiums – Walking down the aisle may save some money on your insurance coverage bill. Marriage means you’re more financially stable and statistics prove married drivers tend to have fewer serious accidents.
  • Choose high safety ratings and save – Vehicles that have high safety ratings are cheaper to insure. Highly rated vehicles reduce the chance of injuries and better occupant protection translates into fewer and smaller insurance claims and thus lower rates. If the Mercedes-Benz CLS-Class scored at minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Gender is a factor – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. Now that doesn’t mean females are better drivers. Both genders have accidents in similar percentages, but men tend to have higher claims. Men also get ticketed for serious violations like DWI (DUI) or reckless driving. Teenage male drivers tend to get in the most accidents and therefore are the most expensive to insure.
  • Can a thief steal your car? – Selecting a car model that has an advanced theft prevention system can save you some money. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder car theft.
  • Add-on coverages can cost a lot – There are a ton of additional coverages that you can get tricked into buying on your 2018 CLS-Class policy. Add-on coverages like rental car reimbursement, death and dismemberment, and extra equipment coverage are probably not needed. You may think they are a good idea when deciding what coverages you need, but your needs may have changed so remove them and pocket the money.
  • Drive less and save – The higher the miles on your Mercedes-Benz annually the more you will pay for insurance coverage. Most insurance companies calculate prices based on how the vehicle is used. Cars and trucks that have low annual miles receive better premium rates than vehicles that have high annual mileage. Ask your agent if your vehicle rating states the correct driver usage. An improperly rated CLS-Class may be wasting your money.
  • Costs can change based on your address – Being located in smaller towns and rural areas of the country has definite advantages if you are looking for the lowest rates. Less people living in that area means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities tend to have congested traffic and a longer drive to work. Longer commute distances means higher likelihood of an accident.
  • Raising comp and collision deductibles saves money – Your deductibles define the amount you are required to spend in the event of a claim. Physical damage coverage, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Examples of covered claims would be a windshield broken by a bird, animal collisions, and damage caused by road hazards. The more you’re willing to pay, the less your company will charge you for insurance on CLS-Class coverage.

How to know if you need help

When choosing coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions may help you determine if your situation might need professional guidance.

  • Can I drive in Mexico and have coverage?
  • Do I benefit by insuring my home with the same company?
  • Who is covered when they drive my 2018 Mercedes-Benz CLS-Class?
  • Are split liability limits better than a combined single limit?
  • When does my teenage driver need to be added to my policy?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered if I hit a deer?
  • Do I need PIP (personal injury protection) coverage in my state?

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 don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Parts of your car insurance policy

Having a good grasp of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the normal coverages found on the average car insurance policy.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverages – Liability coverage will cover damage that occurs to a person or their property that is your fault. It protects you from legal claims by others, 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. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like loss of income, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Collision coverage – This pays for damage to your CLS-Class from colliding 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 claims like sideswiping another vehicle, colliding with a tree, hitting a parking meter 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. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive or Other Than Collision – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, hail damage, hitting a bird and damage from getting keyed. The highest amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses like pain medications, nursing services, hospital visits and prosthetic devices. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible

Smart shoppers get results

In this article, we covered many tips how you can lower your 2018 Mercedes-Benz CLS-Class insurance car insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding affordable insurance coverage. Consumers could even find that the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Progressive and Geico.

As you shop your coverage around, make sure you don’t buy poor coverage just to save money. In too many instances, someone dropped comprehensive coverage or liability limits only to find out that it was a big error on their part. Your goal should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

There are still a few companies who may not provide online price quotes and many times these smaller providers prefer to sell through independent insurance agents. Cheap 2018 Mercedes-Benz CLS-Class insurance is definitely available on the web and with local insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

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