1999 Mercedes-Benz CL-Class Car Insurance Quotes

Drivers have lots of choices when trying to find low-cost Mercedes-Benz CL-Class insurance. You can either spend your time driving around trying to get quotes or save time using the internet to make rate comparisons.

There is a right way and a wrong way to compare auto insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Mercedes-Benz and locate the lowest possible price.

Smart consumers take time to do price comparisons before your policy renews due to the fact that insurance prices are rarely the same from one policy term to another. Even if you think you had the lowest quotes on CL-Class insurance six months ago you will most likely find a better rate today. You can find a lot of wrong information about auto insurance online but you can learn some excellent ideas to buy auto insurance cheaper.

More affordable rates with discounts

Companies that sell car insurance do not advertise every possible discount very clearly, so here is a list a few of the more common and also the lesser-known credits available to you.

  • Telematics Discount – Insureds who allow driving data submission to spy on driving manner by installing a telematics device like Allstate’s Drivewise could save a few bucks as long as they are good drivers.
  • More Vehicles More Savings – Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Military Discounts – Being deployed in the military could trigger a small discount.
  • Passenger Safety Discount – Factory air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
  • Discounts for Seat Belt Usage – Drivers who always wear seat belts and also require passengers to buckle up before driving can save 10% or more off PIP or medical payments premium.
  • Bundle and Save – When you combine your auto and homeowners insurance and insure them with the same company you could earn a discount of at least 10% off all policies.
  • Discounts for Government Workers – Federal government employees may qualify for a discount when you quote auto insurance on CL-Class insurance with select insurance companies.

Please keep in mind that some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as collision or personal injury protection. Even though it appears all those discounts means the company will pay you, you’re out of luck.

To locate companies that can offer you the previously mentioned discounts, click this link.

What is the best insurance coverage coverage?

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions might point out whether your personal situation might need professional guidance.

  • Is business property covered if stolen from my car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does car insurance cover theft of personal property?
  • When can my company non-renew my policy?
  • Do I need an umbrella policy?
  • Is my Mercedes-Benz CL-Class covered if I use it for business?
  • When should I drop full coverage on my 1999 Mercedes-Benz CL-Class?
  • What can I do if my company denied a claim?
  • Am I covered if I crash into my own garage door?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

Detailed coverages of your insurance policy

Having a good grasp of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Another option is a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability can pay for things like pain and suffering, medical services, loss of income, repair bills for other people’s vehicles and court costs. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive auto coverage – This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CL-Class.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for expenses for things like EMT expenses, pain medications, X-ray expenses, rehabilitation expenses and ambulance fees. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverages – Collision insurance will pay to fix damage to your CL-Class from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like hitting a parking meter, damaging your car on a curb, crashing into a building, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

A tidy conclusion

Cheap 1999 Mercedes-Benz CL-Class insurance is attainable online and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. There are still a few companies who do not provide rates over the internet and usually these regional insurance providers only sell through independent insurance agencies.

Insureds change insurance companies for a variety of reasons including unfair underwriting practices, an unsatisfactory settlement offer, high prices and even delays in paying claims. It doesn’t matter what your reason, choosing a new insurance company is easier than you think.

You just learned a lot of information how to get a better price on 1999 Mercedes-Benz CL-Class insurance. It’s most important to understand that the more companies you get premium rates for, the higher the chance of saving money. You may be surprised to find that the best price on insurance coverage is with an unexpected company.

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Comments About 1999 Mercedes-Benz CL-Class Insurance

  1. Estefana Sandoval

    I found affordable 1999 Mercedes-Benz CL-Class insurance from Progressive in Montgomery, AL.

  2. Hortensia Morrison

    Does Progressive insure after a DUI?

  3. Nicolasa Velasquez

    Located in Birmingham, AL, and State Farm rates were best. Even increased coverage a bit. I just quoted rates online.

  4. Arica Hebert

    Mine is so expensive. Checking in from Aberdeen, South Dakota. I compared lots of rates. Saved darn near $20 a month. 21st Century was the cheapest for me. Was with American Family. Wish I didn’t have to insure at all.

  5. Nicky Burgess

    Affordable car insurance is a myth. From a town just southwest of Allentown, PA. Checked online prices for a 1999 Mercedes-Benz CL-Class. Ended up at about $80 savings annually. Went with Allstate. Left Nationwide to switch.

  6. Crissy Drake

    I found cheap 1999 Mercedes-Benz CL-Class insurance in Huntington, WV with 21st Century.

  7. Linh Douglas

    I compared a lot of rate quotes for a 1999 Mercedes-Benz CL-Class in Madison, WI. Ended up at roughly $110 every six months with Auto-Owners. Was with Allstate. Have an at-fault accident tho. Bought it from an online quote. When should I drop full coverage?

  8. Dana Levine

    Enjoyed the article. Went with GMAC for my 1999 Mercedes-Benz CL-Class and am saving around $80 a year. Are quotes cheaper online? My CL-Class doesn’t have full coverage.

  9. Bette Jordan

    Got pretty cheap 1999 Mercedes-Benz CL-Class insurance from Progressive in Jackson, MS.

  10. Queen Humphrey

    Good detail in your article. I live in Kansas City, MO. I quoted with 21st Century, AAA, and Eastwood for my CL-Class and I think I cut my rates about $20 each month. Was with Safeco. Just liability coverage since it’s getting old.