Compare 2006 Mercedes-Benz CLS-Class Insurance Quotes

Drivers have options when trying to find the best price on Mercedes-Benz CLS-Class insurance. You can either waste hours driving around to get rate comparisons or leverage the internet to find the lowest rates. There is a better way to compare auto insurance rates and you need to know the absolute fastest way to price shop coverage for your Mercedes-Benz and get the cheapest rates from local insurance agents and online providers.

You should make it a habit to check auto insurance prices once or twice a year because auto insurance prices change regularly. Just because you found the lowest rate for CLS-Class coverage a couple years back the chances are good that you can find a lower premium rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to use online quotes to lower your annual insurance bill.

If you have insurance now or need a new policy, you can use this information to get lower rates and possibly find even better coverage. This information will teach you the most effective way to quote insurance and some money-saving tips. Drivers only need to know the most effective way to compare company rates on the web.

Compare car insurance rates

Finding a lower price on 2006 Mercedes-Benz CLS-Class insurance doesn’t have to be difficult. You just need to spend a little time to get quotes from different insurance companies. This is very easy and can be done using one of these methods.

• One of the simplest ways to find the lowest comparison rates is a comparison rater form (click to open form in new window). This quick form prevents you from having to do a different quote for each company you want a rate for. In just a few minutes this one form gets you price quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
• A more difficult way to obtain and compare quotes online is to take the time to go to each company website to complete their respective quote request forms. For example, we’ll pretend you want to view quotes from State Farm, Allstate and GMAC. You would need to visit each site and repeatedly enter your information, which can take a lot of time.

  For a list of links to companies insuring cars in your area, click here.

It’s your choice how you get your quotes, but do your best to enter nearly identical deductibles and coverage limits on every price quote you get. If you enter different deductibles it will be next to impossible to truly determine the lowest rate.

Do you qualify for discounts?

Insurance can cost an arm and a leg, but you might already qualify for some discounts that can drop the cost substantially. Some trigger automatically at the time you complete a quote, but some may not be applied and must be asked for in order for you to get them.

• Discounts for Federal Employees – Federal government employees can earn a discount up to 10% for CLS-Class coverage depending on your company.
• Senior Citizens – Drivers over the age of 55 are able to get better insurance rates for CLS-Class coverage.
• Early Renewal Discounts – A few larger companies offer discounts for switching to them before your current coverage expires. It can save you around 10%.
• Homeowners Pay Less – Simply owning a home may earn you a small savings because maintaining a house requires a higher level of personal finance.
• Payment Discounts – If you pay your bill all at once instead of paying each month you can actually save on your bill.
• Claim-Free Discount – Good drivers with no accidents pay less in comparison with accident-prone drivers.
• Auto/Home Discount – If you can bundle your home and auto insurance and insure them with the same company you could save nearly 15% which can help you find low cost car insurance.

Consumers should know that most credits do not apply to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Larger insurance companies and some of their more popular discounts are shown below.

• State Farm may offer discounts for good student, multiple autos, Drive Safe & Save, good driver, and defensive driving training.
• Geico offers discounts for multi-policy, multi-vehicle, five-year accident-free, defensive driver, federal employee, air bags, and military active duty.
• Progressive offers premium reductions for continuous coverage, good student, multi-vehicle, multi-policy, and online signing.
• 21st Century policyholders can earn discounts including defensive driver, theft prevention, air bags, driver training, anti-lock brakes, student driver, and good student.
• American Family discounts include defensive driver, bundled insurance, good driver, good student, Steer into Savings, accident-free, and TimeAway discount.
• The Hartford may have discounts that include good student, bundle, defensive driver, driver training, and vehicle fuel type.
• AAA has savings for good student, multi-policy, pay-in-full, good driver, anti-theft, and AAA membership discount.

Before you buy a policy, ask every company which discounts they offer. All car insurance discounts might not be available to policyholders in your area. To view companies with the best discounts, click here.

Don’t assume everyone needs the same insurance coverage coverage

When buying the best insurance coverage coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions might help in determining if you will benefit from professional help.

• Am I covered when using my vehicle for business?
• Are rock chip repairs covered?
• Which is better, split liability limits or combined limits?
• Do all my vehicles need collision coverage?
• Is rental equipment covered for theft or damage?
• Am I covered if my car is in a flood?
• What is UM/UIM insurance?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form. It is quick, free and may give you better protection.

Why you might pay higher rates

Many factors are part of the equation when premium rates are determined. Some are pretty understandable such as traffic violations, although others are more transparent such as your credit history or your commute time.

• Big city or small town – Residing in areas with lower population can save you money when it comes to auto insurance. Residents of big cities tend to have more aggressive driving styles and more time behind the wheel. Fewer drivers means reduced accidents and lower theft and vandalism rates.
• Credit rating impacts premium costs – A driver’s credit history can be a huge factor in determining premium rates. Insureds with good credit tend to be more responsible and file fewer claims than drivers with poor credit scores. If your credit score is lower than you’d like, you could pay less to insure your 2006 Mercedes-Benz CLS-Class by taking the time to improve your credit score.
• Stay claim-free and save – Insurance companies award discounts to people who are claim-free. If you file claims often, you can expect increased rates or even have your policy non-renewed. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
• How’s your driving record? – Even a single chargable violation may increase your cost by as much as twenty percent. Attentive drivers pay lower auto insurance prices than their less careful counterparts. Drivers who have severe tickets such as hit and run, DWI or reckless driving convictions may face state-mandated requirements to file a SR-22 with their state motor vehicle department in order to drive a vehicle legally.
• Lower mileage equals lower premium – Driving more miles each year the more you will pay for auto insurance. A lot of companies calculate prices based upon how the vehicle is primarily used. Cars and trucks that do not get driven very much cost less to insure as compared to vehicles used primarily for driving to work. Having the wrong rating on your CLS-Class is just wasting money. It’s a smart idea to ensure your auto insurance policy reflects the right rating data.

Insurance coverages and their meanings

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

Coverage for liability – This coverage provides protection from damage that occurs to other’s property or people in an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as medical services, loss of income, pain and suffering, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, a broken windshield, damage from flooding and theft. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Collision coverage – Collision insurance covers damage to your CLS-Class caused by collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things such as hitting a parking meter, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like pain medications, prosthetic devices, X-ray expenses and dental work. They are often utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Stretch your dollar

Lower-priced insurance is attainable online as well as from independent agents, so you need to shop car insurance with both so you have a total pricing picture. Some insurance companies don’t offer online quoting and most of the time these regional insurance providers only sell through independent insurance agents.

When searching for cheaper car insurance quotes, it’s a bad idea to skimp on coverage in order to save money. Too many times, an accident victim reduced comprehensive coverage or liability limits only to discover later that they should have had better coverage. Your goal should be to find the BEST coverage at a price you can afford.

We just covered many tips how you can reduce 2006 Mercedes-Benz CLS-Class insurance car insurance rates online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding low cost car insurance. Consumers may even find the lowest car insurance rates are with a small local company.

Other resources

• Cellphones, Texting and Driving (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Bodily Injury Coverage (Liberty Mutual)
• Driving in Bad Weather (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)