Compare 2005 Mercedes-Benz CLK-Class Car Insurance Quotes

I really doubt anyone looks forward to paying for insurance, especially when they are aware that it costs too dang much.

There is such a variety of insurers to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to find the lowest rates.

Compare quotes for car insurance

Shopping for lower car insurance rates is a ton of work if you don’t know the most efficient way to do it. You could spend your day talking to agents in your area, or you could save time and use the internet to get pricing more quickly.

Many companies participate in an industry program where insurance shoppers send in one quote, and every company then returns a price quote determined by their information. This eliminates the need for repetitive form submissions to each individual car insurance company.

To enter your information into the quoting system, click here to start a free quote.

The one downside to getting quotes like this is buyers cannot specifically choose the insurers to receive prices from. If you would rather choose from a list of companies to compare, we have assembled a list of the cheapest car insurance companies in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but be certain you are entering the same coverage information on every quote. If the quotes have unequal deductibles or liability limits you can’t possibly get a fair rate comparison. Quoting even small variations in limits can mean a large discrepancy in price. And when quoting car insurance, remember that comparing a wide range of rates increases your odds of finding the best price. Not every company provides rate quotes online, so you also need to get quotes from those companies as well.

Take advantage of every insurance coverage discount

Insuring your vehicles can cost a lot, but you might find some hidden discounts that can dramatically reduce your bill. Some trigger automatically when you get a quote, but some must be specially asked for before you get the savings.

• Discount for Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings of 20 to 30 percent.
• Fewer Miles Equal More Savings – Low annual miles could be rewarded with substantially lower prices.
• Good Grades Discount – This discount could provide a savings of up to 20% or more. You can use this discount normally up to age 25.
• Anti-theft System – Vehicles equipped with tracking devices and advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance coverage quote.
• Braking Control Discount – Cars equipped with ABS or steering control can reduce accidents and earn discounts up to 10%.
• Save with a New Car – Buying insurance coverage on a new vehicle can save you some money compared to insuring an older model.

You should keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability, collision or medical payments. Even though it appears you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will help reduce your policy premiums.

To see a list of insurance coverage companies with discount rates, click here to view.

How to know if you need help

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out whether you might need professional guidance.

• Do I get a pro-rated refund if I cancel my policy early?
• Why do I need rental car insurance?
• Can I rate high risk drivers on liability-only vehicles?
• When does my teenage driver need to be added to my policy?
• What is high-risk coverage and where do I buy it?
• Can I drive in Mexico and have coverage?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find lower rates from a local agent, complete this form or click here for a list of auto insurance companies in your area.

Specific coverages for a 2005 Mercedes-Benz CLK-Class

Knowing the specifics of your auto insurance policy can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages offered by auto insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, damage from a tornado or hurricane, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for rehabilitation expenses, doctor visits, prosthetic devices, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverages

This can cover damages or injuries you inflict on people or other property. It protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability insurance covers things like emergency aid, medical expenses, legal defense fees and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Mercedes-Benz CLK-Class.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for collisions

This coverage will pay to fix damage to your CLK-Class resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a ditch, hitting a mailbox, scraping a guard rail and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.