Cheaper 2008 Mercedes-Benz CL-Class Insurance Rates

Looking for better auto insurance rates for your Mercedes-Benz CL-Class? Shopping for the lowest price auto insurance may be rather challenging for drivers that are not comfortable with quoting and buying insurance on the internet. Since there are so many insurance companies available, how can drivers have time to compare every company in order to find cheaper auto insurance rates?

It’s a good idea to compare premium rates at least once a year because prices change frequently. Even if you got the best rates for CL-Class coverage a couple years back there may be better deals available now. Block out anything you think you know about auto insurance because I’m going to let you in on the secrets to the proper way to buy cheaper auto insurance.

Compare auto insurance quotes

Most major insurance companies such as Geico, State Farm and Progressive give price estimates direct online. Getting online quotes is quite simple as all you need to do is type in the coverage amounts you desire into a form. Behind the scenes, their rating system automatically retrieves your credit score and driving record and generates pricing information based on these factors.

Online price quotes streamlines rate comparisons, but the time required to go to each company’s website and repetitively type in the same information is not the best way to spend an afternoon. But it’s necessary to get many rate quotes in order to get a better rate.

A better way to lower your rates utilizes a single form to return rates from several companies at one time. This type of form saves time, eliminates repetitive work, and makes online shopping much more efficient. Immediately after submitting the form, it is rated with multiple companies and you can pick any or none of the price quotes you receive.

If a lower price is quoted, it’s easy to complete the application and purchase coverage. It just takes a couple of minutes and can result in significant savings.

To use this form to compare rates, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you enter the insurance coverages exactly as they are listed on your policy. This way, you will receive a price comparison for exact coverage.

Save $459 a year. For real?

Respected companies like Geico, State Farm and Progressive regularly use television, radio, and online ads. All the companies make the same claim that drivers can save some big amount if you switch your auto insurance policy to them. Is it even possible that every company can give you a lower rate? Here is how they do it.

Insurance providers have a preferred profile for the type of driver that will generate a profit. An example of this type of insured may be between the ages of 30 and 45, has no prior claims, and drives a lower-performance vehicle. Anyone who matches those parameters will get low prices and will also pay quite a bit less when switching companies.

People who cannot meet these standards may be forced to pay higher prices which usually ends up with the driver buying from a lower-cost company. If you pay close attention to the ads, they say “customers who switch” not “everyone who quotes” save that kind of money. That’s why insurance companies can confidently state the savings.

Because of the profiling, it’s extremely important to compare quotes as often as possible. It’s just too difficult to predict which auto insurance company will fit your personal profile best.

Get cheap insurance coverage with discounts

Insurance coverage is not cheap nor is it fun to buy but there may be some discounts that can help lower your rates. Many discounts should be triggered at quote time, but some need to be requested specifically before you get the savings. If they aren’t giving you every credit available, you could be getting lower rates.

• Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles on a single policy can get a discount for every vehicle.
• E-sign – Some larger companies will give a small break get insurance online.
• Discount for Multiple Policies – If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
• Good Student – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
• Good Driver Discounts – Drivers who avoid accidents could pay up to 40% less for CL-Class coverage than drivers with accidents.
• Senior Discount – If you qualify as a senior citizen, you can get better insurance coverage rates for CL-Class coverage.
• Buy New and Save – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
• College Student – Older children who attend college more than 100 miles from home and do not take a car to college may be able to be covered for less.
• Active Military Service – Being deployed with a military unit could trigger a small discount.
• Professional Organizations – Participating in certain professional organizations may earn a discount on your next insurance coverage statement.

Consumers should know that most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. If you do the math and it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts will definitely lower the cost of coverage.

To locate providers that offer multiple discounts, follow this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Each situation is unique.

For example, these questions may help you determine whether your personal situation could use an agent’s help.

• Do I pay less if my vehicle is kept in my garage?
• How do I file an SR-22 for a DUI in my state?
• Are my friends covered when driving my car?
• How much liability coverage do I need in my state?
• Do I need rental car coverage?
• Is other people’s property covered if stolen from my vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Auto liability insurance

Liability coverage can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims like medical expenses, structural damage, funeral expenses and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Comprehensive coverage

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, hitting a bird and hail damage. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like X-ray expenses, dental work, prosthetic devices and funeral costs. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists do not carry enough liability coverage. Covered claims 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, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are similar to your liability insurance amounts.

Don’t throw your cash in the trash

Cheaper 2008 Mercedes-Benz CL-Class insurance is definitely available from both online companies and from local insurance agents, so get free insurance quotes from both of them so you have a total pricing picture. Some companies may not have price quotes online and most of the time these regional insurance providers work with independent agents.

In this article, we presented quite a bit of information on how to save on 2008 Mercedes-Benz CL-Class insurance. The key thing to remember is the more you quote insurance, the better your chances of lowering your prices. You may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.

When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage and learned later that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

To learn more, feel free to visit the following helpful articles:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)