Cheaper 1998 Mercedes-Benz CLK-Class Insurance Cost

Want the cheapest car insurance rates for your Mercedes-Benz CLK-Class? Are you sick and tired of not being able to scrape enough together each month for car insurance? You have the same problem as many other consumers. Consumers have so many car insurance companies to pick from, and although it’s nice to have a choice, having more insurers makes it harder to compare rates and cut insurance costs.

It’s smart to compare rates as often as possible because insurance rates change quite often. If you had the lowest rate for CLK-Class insurance a couple years back you will most likely find a better price today. You can search a lot of car insurance online, but I’m going to show you some tested techniques to quit paying high car insurance rates.

How insurance companies calculate Mercedes-Benz CLK-Class insurance prices

Many factors are used in the calculation when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but others are less apparent like your vehicle usage or how safe your car is.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the factors that aid in calculating your insurance coverage rates. If you know what controls the rates you pay, this helps enable you to make changes that may reward you with cheaper rates.

Listed below are some of the factors used by your company to calculate your rates.

• Know your credit rating – Having a bad credit score is likely to be a major factor in calculating your premium rate. So if your credit is not that good, you could be paying less to insure your 1998 Mercedes-Benz CLK-Class by repairing your credit. Drivers with good credit tend to file fewer claims and have better driving records than drivers with lower credit ratings.
• Bad drivers pay high costs – Only having one moving violation may increase your cost to the point where it’s not affordable. Attentive drivers tend to pay less for car insurance compared to bad drivers. Drivers who have received license-revoking tickets such as hit and run, DWI or reckless driving convictions may need to maintain a SR-22 with their state in order to legally drive.
• Consolidating policies can get discounts – The majority of insurance coverage companies will give discounts to buyers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount applied, it’s always a smart idea to get quotes from other companies to help guarantee you have the best rates.
• Discounts for married drivers – Your spouse may cut your premiums on insurance coverage. It may mean you are less irresponsible and insurance companies reward insureds because married drivers get in fewer accidents.
• Rates impacted by vehicle usage – Driving more miles every year the more you will pay for insurance coverage. A lot of companies price each vehicle’s coverage based upon how much you drive. Cars left parked in the garage get more affordable rates than vehicles that are driven to work every day. Verify your policy states how each vehicle is driven, because improper ratings can cost you money. Improper usage on your CLK-Class may be wasting your money.
• Deter theft and lower prices – Choosing to buy a car with a theft deterrent system can save you some money. Anti-theft devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack help track and prevent car theft.

Auto insurance quotes comparison

The majority of larger companies give coverage prices online. Comparing rates online is fairly straightforward because you just enter the coverage amounts you desire on the page. After the form is submitted, their system obtains reports for credit and driving violations and generates pricing information determined by many factors. This helps simplify price comparisons, but the time it takes to visit each company’s website and repetitively type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to get many rate quotes if you want to get better prices.

The easy way to compare rates

The quickest way to find lower prices makes use of a single form to get prices from multiple companies. The form is fast, requires much less work on your part, and makes online quotes much easier to do. As soon as you send your information, it is rated and you can choose any one of the quote results. If a lower price is quoted, it’s easy to complete the application and buy the policy. The whole process only takes a few minutes and may save quite a bit of money.

In order to compare rates now, click here and input your coverage information. To compare your current rates, we recommend you complete the form with the coverages identical to your current policy. Doing this assures you will receive comparison quotes based on similar coverages.

Save a ton with discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts that could drop your premiums quite a bit. A few discounts will be applied when you complete an application, but once in a while a discount must be manually applied before you will receive the discount.

• Multi-policy Discount – If you can combine your auto and home policy with one insurance company you will save up to 20% off your total premium.
• Military Rewards – Having a family member in the military can result in better prices.
• Theft Deterent Discount – Cars optioned with advanced anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.
• No Charge for an Accident – Not really a discount, but some companies like Geico and Liberty Mutual may permit one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
• Telematics Devices – Drivers who elect to allow their company to track vehicle usage by using a telematics device such as State Farm’s In-Drive may get a rate reduction if they show good driving skills.
• Payment Method – By making one initial payment rather than spreading payments over time you may reduce your total bill.
• Low Mileage – Fewer annual miles on your Mercedes-Benz could qualify for lower insurance coveragerates on the low mileage vehicles.

Discounts lower rates, but many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Even though it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any amount of discount should definitely cut your policy premium.

Companies and their possible discounts include:

• Geico includes discounts for emergency military deployment, daytime running lights, anti-theft, driver training, anti-lock brakes, and multi-policy.
• USAA has discounts for military installation, multi-vehicle, driver training, defensive driver, and vehicle storage.
• Progressive may include discounts for good student, multi-policy, multi-vehicle, homeowner, online quote discount, continuous coverage, and online signing.
• American Family policyholders can earn discounts including Steer into Savings, bundled insurance, multi-vehicle, accident-free, air bags, good student, and TimeAway discount.
• Esurance may offer discounts for Pac-12 alumni, good student, good driver, homeowner, multi-policy, safety device, and defensive driver.
• Farmers Insurance may have discounts that include mature driver, good student, youthful driver, electronic funds transfer, teen driver, and switch companies.
• State Farm offers discounts including Drive Safe & Save, multiple policy, safe vehicle, Steer Clear safe driver discount, and driver’s education.

If you need lower rates, check with each company how many discounts you can get. Some of the earlier mentioned discounts might not be offered on policies in your state.

What is the best auto insurance coverage?

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you would benefit from professional advice.

• How much can I save by bundling my policies?
• How much underlying liability do I need for an umbrella policy?
• What is high-risk coverage and where do I buy it?
• Is a new car covered when I drive it off the dealer lot?
• Does my insurance cover damage caused when ticketed for reckless driving?
• What is an SR-22 filing?
• Is extra glass coverage worth it?
• What is UM/UIM insurance?
• What is the difference between comprehensive and collision coverage?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Having a good grasp of insurance aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by insurance companies.

Medical expense coverage – Coverage for medical payments and/or PIP pay for expenses such as X-ray expenses, prosthetic devices and rehabilitation expenses. They are often utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – Liability insurance can cover damage that occurs to a person or their property. It protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of 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 liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers things like medical services, attorney fees, pain and suffering and structural damage. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.

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

Collision coverage protects against things such as colliding with a tree, hitting a mailbox, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive protection – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from flooding, hitting a bird, falling objects and fire damage. The most your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Mercedes-Benz CLK-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Quote more, save more

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured dropped uninsured motorist or liability limits only to discover later that it was a big error on their part. The aim is to find the BEST coverage at an affordable rate, but do not skimp to save money.

Low-cost 1998 Mercedes-Benz CLK-Class insurance can be bought from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. Some companies may not offer online price quotes and these regional carriers prefer to sell through independent agents.

To learn more, feel free to visit these articles:

• Event Data Recorders FAQ (iihs.org)
• Frontal Crash Tests (iihs.org)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Five Tips to Save on Auto Insurance (Insurance Information Insitute)