2000 Mercedes-Benz CL-Class Insurance Rates – 9 Tips to Save
Buyers have a choice when searching for the lowest priced Mercedes-Benz CL-Class insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to make rate comparisons. There are more efficient ways to compare insurance rates so we’re going to tell you the quickest way to price shop coverage for a new or used Mercedes-Benz and find the cheapest rates from both online companies and local agents.
Consumers should take time to do rate comparisons at least once a year because insurance prices are usually higher with each renewal. Even if you think you had the best rate on CL-Class insurance a couple years back a different company probably has better premium rates today. Block out anything you think you know about insurance because we’re going to demonstrate one of the best ways to properly buy coverages while reducing your premium.
If you have a current insurance coverage policy or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. This information will instruct you on how car insurance quotes work and some tricks to saving. Consumers just need to understand how to shop on the web.
How much does insurance cost?
Finding low cost insurance rates is an easy way to save money. You just need to take a couple of minutes comparing free insurance coverage quotes to find the company with inexpensive insurance coverage quotes. This is very easy and can be done in just a few minutes using one of these methods.
If you don’t have a lot of time, the easiest way consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This method prevents you from having to do repetitive form entry for each company. In just a few minutes this one form will get you price quotes from several companies.It’s the quickest way to get rates.
A different way to get quotes online consists of visiting the website for every company you want to comare and complete a new quote form. For examples sake, we’ll assume you want comparison quotes from Farmers, Safeco and Allstate. You would need to navigate to each company’s site to enter your coverage information, which explains why we recommend starting with the first method.
To view a list of companies in your area, click here.
Which method you use is up to you, but try to keep nearly identical quote information on every quote. If you have differing limits then you won’t be able to decipher which rate is best.
Discount insurance quotes
Companies that sell car insurance don’t always publicize their entire list of discounts in a way that’s easy to find, so we researched a few of the more well known in addition to some of the lesser obvious credits that may apply to you.
- E-sign Discounts</strong – Some larger companies will give you a small discount get insurance coverage on the web.
- 55 and Retired – Seniors can possibly qualify for a slight reduction on a insurance coverage quote on CL-Class insurance.
- Military Rewards – Being on active duty in the military may lower your prices slightly.
- Employee of Federal Government – Being employed by or retired from a federal job could cut as much as 10% off on CL-Class insurance with a few insurance companies.
- Defensive Driver Discount – Passing a driver safety course could earn you a small percentage discount if you qualify.
- Drive Safe and Save – Safe drivers can save up to 40% or more on their insurance coverage quote on CL-Class insurance than less cautious drivers.
- Passive Restraints – Factory air bags or motorized seat belts could see savings of more than 20%.
- Student Driver Training – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
- Multiple Vehicles – Buying insurance for more than one vehicle with the same company may reduce the rate for each vehicle.
It’s important to understand that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like comp or med pay. Just because it seems like you could get a free insurance policy, you aren’t that lucky.
If you would like to view insurance companies that offer the discounts shown above, click here to view.
Tailor your insurance coverage to you
When choosing adequate coverage for your vehicles, there is no best way to insure your cars. Everyone’s situation is a little different.
These are some specific questions may help highlight whether your personal situation may require specific advice.
- Is motorclub coverage worth it?
- Does medical payments coverage apply to all occupants?
- Is a blown tire covered by insurance?
- What if I don’t agree with a claim settlement offer?
- What are the financial responsibility laws in my state?
- Will I be non-renewed for getting a DUI or other conviction?
- Does my insurance cover my expensive audio equipment?
- Are there companies who specialize in insuring high-risk drivers?
- Do I have coverage if my license is suspended?
- Do I have newly-aquired coverage?
If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.
Auto insurance coverages explained
Knowing the specifics of your auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.
Coverage for collisions
Collision insurance pays for damage to your CL-Class resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things like backing into a parked car, hitting a mailbox, colliding with a tree and rolling your car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.
Medical costs insurance
Medical payments and Personal Injury Protection insurance pay for expenses for doctor visits, rehabilitation expenses and pain medications. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Comprehensive or Other Than Collision
This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things such as hail damage, fire damage, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Coverage for liability
This coverage can cover 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 doesn’t cover damage to your own property or vehicle.
Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as medical services, bail bonds, medical expenses, emergency aid and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.
UM/UIM Coverage
Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and damage to your Mercedes-Benz CL-Class.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.
Kecia Dixon
GEICO is pretty cheap in Hawaii! :)
Angla Park
Well-written and thought out article. I’m in the suburbs of San Antonio, Texas. I quoted with 21st Century, American Family, and some I forget for my Mercedes-Benz and I think I saved about $30 each month. It’s easy to compare rates online now.
Maddie Ochoa
Not sure what I should be paying. Located in Philadelphia, Pennsylvania. I got free quotes from GEICO, Encompass, and GMAC for my 2000 Mercedes-Benz CL-Class and I’m now saving $18 a month. I have several vehicles insured with them. Wish I didn’t have to insure at all. Book value doesn’t justify full coverage anymore.
Junie Vinson
Located in Phoenix, Arizona. Quoted with State Farm, Auto-Owners, and some I forget for my CL-Class and I’m now saving $23 a month. Moved home policy as well. It’s easy to compare rates online now. It’s too old for full coverage.
Becky Calderon
Good detail in your article. Live in the southern part of Minneapolis, Minnesota. Can’t remember who all I quoted but I ended up saving about $20 each month. Left American Family to switch. I have a teen driver too. I dropped full coverage awhile back.
Trena Gates
IT’S ALL TOO EXPENSIVE! I’m in Phoenix, AZ. Got car insurance quotes from American Family, MetLife, and USAA for my 2000 Mercedes-Benz CL-Class and saved just over $60 a year. Insured with Progressive before. Not sure if rates are cheaper online or not.
Signe Bailey
If you don’t have tickets and are close to Davenport, IA, check out 21st Century. You might get cheaper rates. Insured with Amica before. I have several vehicles insured with them. Did it all online. I’m thinking about dropping full coverage though.
Joey Clemons
Good site, thanks. From Missoula, MT. Got car insurance prices from AIG Insurance, Encompass, and Nationwide for my 2000 Mercedes-Benz CL-Class and I’m now saving $16 a month. Online quotes are the way to go. Book value doesn’t justify full coverage anymore.
Vera Moss
Good site, thanks. From Birmingham, AL. Checked online prices for a 2000 Mercedes-Benz CL-Class. Ended up at about $120 savings annually. Went with 21st Century. I got prices on the web. My CL-Class doesn’t have full coverage.
Aracely Wiley
I got a good deal I think. From a town just southwest of Chicago, IL. Received prices from State Farm, American Family, and some I forget for my Mercedes-Benz and saved just over $110 a year. Not sure if rates are cheaper online or through an agent.
Joie Blanchard
I compared a lot of rate quotes for a 2000 Mercedes-Benz CL-Class in Knoxville, TN. Ended up at darn near $80 every six months with Auto-Owners. Left Encompass to switch. Not sure about claim service.