2009 Mercedes-Benz CLS-Class Car Insurance Rates – 9 Ideas for Best Quotes

Looking for the cheapest auto insurance rates for your Mercedes-Benz CLS-Class? Have you finally had enough of robbing Peter to pay Paul to make your auto insurance payment? Your situation is no different than many other consumers. There are many auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to get the best deal.

Finding affordable coverage is easy if you know what you’re doing. If you have a current insurance policy or need new coverage, you can learn to shop for the lowest rates while maximizing coverage. Drivers just need to understand how to find the lowest price on the web.

Double check you’re getting these nine discounts

Insurance can be pricey, but you might already qualify for some discounts that you may not know about. Many of these discounts will be applied automatically when you get a quote, but some discounts are required to be requested specifically before you get the savings.

  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you can actually save on your bill.
  • Driving Data Discount – Drivers who elect to allow driving data submission to scrutinize their driving habits by using a telematic data system such as State Farm’s In-Drive might get better premium rates as long as they are good drivers.
  • Discounts for Cautious Drivers – Drivers who don’t get into accidents may receive a discount up to 45% on CLS-Class insurance than drivers with accident claims.
  • Use Seat Belts – Buckling up and requiring all passengers to fasten their seat belts could save 15% off the PIP or medical payment premium.
  • New Car Discount – Buying a new car instead of a used car can save up to 30% because newer vehicles have to meet stringent safety requirements.
  • Government Employee Discount – Having worked for a branch of the government could qualify for a slight premium decrease on CLS-Class insurance with certain companies.
  • Anti-theft Discount – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Clubs and Organizations – Being a member of qualifying employment or professional organizations could trigger savings on your bill.
  • Distant Student Discount – Children who are attending college without a vehicle on campus can receive lower rates.

One thing to note about discounts is that most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like all the discounts add up to a free policy, insurance companies aren’t that generous. Any qualifying discounts will help reduce your insurance premiums.

A few of the larger companies and some of the premium reductions they offer can be found below.

  • 21st Century offers discounts including anti-lock brakes, defensive driver, theft prevention, 55 and older, homeowners, and air bags.
  • State Farm has discounts for safe vehicle, defensive driving training, anti-theft, multiple policy, Drive Safe & Save, and good student.
  • AAA may have discounts that include multi-car, AAA membership discount, anti-theft, multi-policy, and pay-in-full.
  • Liberty Mutual policyholders can earn discounts including newly married, multi-car, good student, hybrid vehicle, new graduate, multi-policy, and new move discount.
  • Progressive includes discounts for multi-policy, online quote discount, continuous coverage, homeowner, and good student.

If you need affordable car insurance quotes, ask every company the best way to save money. Savings might not be available to policyholders in every state. To locate insurance companies who offer free insurance quotes, click this link.

How to buy car insurance online

Most major insurance companies like State Farm and Allstate give prices directly from their websites. Doing online price comparisons is pretty easy because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. After you submit the form their quoting system collects reports for credit and driving violations and quotes a price. Quoting online helps simplify price comparisons, but the time it takes to visit different websites and enter the same data into a form is a big time waster. But it is imperative to perform this step in order to get better prices.

Quote rates the easy way

A better way to compare car insurance pricing is to use a quote form to obtain quotes from several companies at one time. It’s a real time-saver, requires less work, and makes online quotes much easier. After sending the form, your coverage is rated and you can choose your choice of the pricing results. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.

To use this form to compare rates, click here and complete the simple form. If you have coverage now, it’s recommended you enter the coverage information just like they are on your policy. This helps ensure you’re receiving comparison quotes for similar insurance coverage.

Special considerations

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help highlight whether you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Can I afford low physical damage deductibles?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What is no-fault insurance?
  • When should I not file a claim?
  • Why is insurance for a teen driver so high?
  • Do I have coverage when making deliveries for my home business?
  • How much underlying liability do I need for an umbrella policy?
  • Do I have coverage when using my vehicle for my home business?
  • Is a blown tire covered by insurance?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Insurance coverage considerations

Learning about specific coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, hitting a bird and hitting a deer. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like surgery, ambulance fees, chiropractic care and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your CLS-Class resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like crashing into a building, driving through your garage door, rolling your car, damaging your car on a curb and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Liability coverage

This provides protection from damage that occurs to people or other property that is your fault. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like funeral expenses, legal defense fees and bail bonds. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many 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 should not be overlooked.

Affordable insurance is out there

Some insurance companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agencies. Low-cost 2009 Mercedes-Benz CLS-Class insurance is available on the web and from local agencies, so compare prices from both to have the best chance of lowering rates.

We covered some good ideas how you can reduce 2009 Mercedes-Benz CLS-Class insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding low cost car insurance. You may even discover the most savings is with a lesser-known regional company. These companies can often provide lower premium rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

Additional information is located at these links:

Comments About 2009 Mercedes-Benz CLS-Class Insurance

  1. Marcellus Burch

    Live in the eastern part of Detroit, MI. Got car insurance quotes with Progressive, AIG Insurance, and Erie for my Mercedes-Benz and saved just over $450 a year. Was with MetLife. Just go online and compare their rates.

  2. Shae Deleon

    Quoted with Farmers for my CLS-Class and cut my rates about $330 a year. I get a discount for insuring multiple vehicles.

  3. Chance Hewitt

    Well-written and thought out article. I’m in the suburbs of Bismarck, ND. Quoted quotes with USAA, American Family, Hanover, and Mercury for my CLS-Class and saved $335 a year. Have a couple speeding tickets too.

  4. Aiko West

    From a town just southwest of Rio Rancho, NM. Quoted prices online for a 2009 Mercedes-Benz CLS-Class. Ended up at about $550 savings annually. Went with Progressive. I got prices on the web.

  5. Twana Dudley

    Does New York have minimum liability laws?

  6. Gertrudis Armstrong

    Thanks for putting this site together. I live west of Fayetteville, Arkansas. Don’t remember every company but I ended up saving about $40 each month. Was with GMAC. My new agent seems to be really good.

  7. Ula Mendoza

    If you have a clean record and live near Buffalo, NY, check out State Farm. They seem to be cheaper. Ask about discounts.

  8. Teofila Park

    I live in New Orleans, LA. Quoted rates from Allstate, AIG Insurance, and some I forget for my Mercedes-Benz and cut my rates about $450 a year. They have a lot of discounts available.

  9. Camilla Stokes

    Located in Salem, OR. Received quotes from State Farm, American Family, and some I forget for my 2009 Mercedes-Benz CLS-Class and saved $160 a year. Was with The General. I get lower rates because of my clean driving record. Wish I didn’t have to insure at all.

  10. Norman Sloan

    Great info, thanks for posting. I live on the east side of Colorado Springs, Colorado. I quoted with Allstate, AAA, Erie, and GMAC for my CLS-Class and I’m now saving $28 a month.

  11. Colby Elliott

    I live in Owensboro, KY. Can’t remember who all I quoted but I ended up saving about $40 each month. You can get a rate quote online.

  12. Jammie Middleton

    I live in a small town just outside of Fayetteville, Arkansas. Got car insurance quotes from AIG Insurance, Encompass, and MetLife for my CLS-Class and I’m now saving $54 a month. Insured with Safeco before. I got a quote from their website.