Save on 2003 Mercedes-Benz CLK-Class Insurance Quotes

Searching for cheaper insurance rates for your Mercedes-Benz CLK-Class? If you are new to online price comparisons, by this point your are probably baffled thanks to the huge assortment of insurers all promising to save you money.

You need to quote other rates occasionally because insurance prices are variable and change quite frequently. If you had the lowest rates for CLK-Class coverage last year you may be paying too much now. Forget all the misinformation about insurance because you’re about to learn the only way to save on insurance.

Finding affordable coverage is easy if you know what you’re doing. If you have car insurance now, you will be able to cut costs considerably using these techniques. Although consumers do need to understand how big insurance companies price insurance differently and apply this information to your search.

The Mercedes-Benz CLK-Class insurance cost equation

An important part of buying insurance is that you know some of the factors that help determine the price you pay for insurance. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that will entitle you to better insurance rates.

The factors shown below are some of the most common factors insurance companies consider when setting your rate level.

• Are you male or female? – Statistics show that females tend to be a little less risky than males. That doesn’t necessarily mean that females are better drivers. Both genders cause accidents at a similar rate, but males have costlier accidents. They also get cited for more serious violations like DUI and reckless driving.
• Older drivers pay less – Older insureds are proven to be safer behind the wheel, statistically cause fewer accidents , and usually have better credit.Inexperience drivers are known to be careless and easily distracted with other occupants in the car therefore insurance rates are much higher.
• Insurance companies don’t like frequent insurance claims – Insurance companies generally give the best rates to people who are claim-free. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is designed for claims that you cannot pay yourself.
• Pay less after the wedding – Getting married may cut your premiums compared to being single. Marriage means you’re more mature than a single person and statistics prove married drivers get in fewer accidents.
• Occupation impacts prices – Occupations like military generalsairline pilots and stock brokers generally have higher average rates in part from high stress levels and long work days. On the flip side, jobs such as actors, students and performers pay lower than average rates for CLK-Class coverage.
• Your address can influence price – Living in smaller towns and rural areas of the country is a good thing when insuring your vehicles. Drivers who live in large cities regularly have congested traffic and a longer drive to work. Less people living in that area means a lower chance of having an accident in addition to lower liability claims

Don’t miss with these discounts

Companies offering auto insurance don’t always publicize every policy discount in an easy-to-find place, so we took the time to find a few of the more well known as well as some of the hidden credits that may apply to you.

• Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Many companies even apply the discount to college students until age 25.
• Homeowners Discount – Owning a home may earn you a small savings since home ownership requires a higher level of personal finance.
• Discount for Multiple Policies – If you combine your home and auto policies with the same company you could save nearly 15% which can help you find cheap car insurance.
• Air Bags and Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may qualify for discounts as much as 30%.
• Clubs and Organizations – Participating in a professional or civic organization may earn a discount on your next car insurance statement.
• Defensive Driver – Taking time to complete a defensive driver class could cut 5% off your bill depending on where you live.
• Senior Citizens – Drivers that qualify as senior citizens could receive a small discount on rates for CLK-Class coverage.
• Sign Early and Save – Some larger companies give discounts for buying a policy early. This can save 10% or more.
• Claim Free – Insureds with no claims or accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.

Just know that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like you would end up receiving a 100% discount, it’s just not the way it works. Any amount of discount will lower your car insurance premiums.

A few popular companies and some of their more popular discounts include:

• Progressive may have discounts that include multi-vehicle, multi-policy, online quote discount, continuous coverage, good student, online signing, and homeowner.
• SAFECO has savings for multi-car, anti-lock brakes, bundle discounts, teen safety rewards, accident prevention training, and teen safe driver.
• American Family offers premium reductions for multi-vehicle, Steer into Savings, TimeAway discount, mySafetyValet, defensive driver, and air bags.
• MetLife may offer discounts for good driver, multi-policy, accident-free, defensive driver, and good student.
• Geico offers discounts for anti-lock brakes, federal employee, daytime running lights, five-year accident-free, multi-vehicle, and anti-theft.
• The Hartford may include discounts for air bag, vehicle fuel type, anti-theft, bundle, defensive driver, and good student.

Before purchasing a policy, check with all the companies which discounts they offer. Some of the discounts discussed earlier might not apply in your state. To find providers that have a full spectrum of discounts, click this link.

Drivers who switch save $381 a year? Really?

Popular insurance coverage providers such as State Farm, Geico and Progressive consistently run television and radio advertisements. All the ads tend to make the same promise of big savings just by moving your insurance coverage policy to them. How does every insurance coverage company claim to save you money? It’s all in the numbers.

Different companies have specific criteria for the type of customer that earns them a profit. An example of this type of driver might be described as between 25 and 40, has other policies, and drives a car with an anti-theft system. Any customer who fits those characteristics receives the best rates and will save quite a bit of money when switching.

Potential customers who don’t qualify for those criteria will probably have to pay a higher rate and the customer buying from a different company. If you pay attention, the ads say “people who switch” but not “all drivers who get quotes” save money. That’s why companies can lure you into getting a quote. This illustrates why drivers must compare many company’s prices. Because you cannot predict the company that will have the best premium rates for your profile.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage coverage, there really is not a “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation would benefit from professional advice.

• When can I cancel my policy?
• Are all vehicle passengers covered by medical payments coverage?
• Is my 2003 Mercedes-Benz CLK-Class covered for flood damage?
• How can I get high-risk coverage after a DUI?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I insured when driving a different vehicle?
• Are rental cars covered under my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form.

What car insurance coverages do you need?

Learning about specific coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as rehabilitation expenses, chiropractic care, pain medications, ambulance fees and hospital visits. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like court costs, legal defense fees, medical expenses, repair bills for other people’s vehicles and structural damage. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance covers damage to your CLK-Class resulting from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a mailbox, scraping a guard rail, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hail damage and rock chips in glass. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

You can do this!

Drivers leave their current company for any number of reasons including questionable increases in premium, an unsatisfactory settlement offer, lack of trust in their agent and even unfair underwriting practices. It doesn’t matter why you want to switch finding a new car insurance company can be easier than you think.

Affordable 2003 Mercedes-Benz CLK-Class insurance can be found from both online companies as well as from insurance agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide the ability to get quotes online and many times these regional insurance providers only sell through independent agencies.

We just showed you some good ideas how you can shop for 2003 Mercedes-Benz CLK-Class insurance online. The key thing to remember is the more providers you compare, the better your comparison will be. Consumers may even find the biggest savings come from the least-expected company.

More tips and info about car insurance is available at these sites:

• How do I File a Claim? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• How to Avoid Common Accidents (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)