2010 Mercedes-Benz CLS-Class Insurance Cost

Drivers have lots of choices when trying to find the best price on Mercedes-Benz CLS-Class insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to find the lowest rates. There are more efficient ways to shop for insurance and you need to know the quickest way to quote coverages for your Mercedes-Benz and locate the lowest price from both online companies and local agents.

It’s important to compare prices on a regular basis since insurance prices are rarely the same from one policy term to another. Just because you found the lowest price on CLS-Class insurance at your last renewal you can probably find a better rate quote now. Forget all the misinformation about insurance because we’re going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

Get affordable auto insurance with discounts

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Certain credits will be shown at quote time, but occassionally some discounts must be inquired about before you get the savings.

• Discounts for Federal Employees – Active or retired federal employment could cut as much as 10% off on CLS-Class insurance but check with your company.
• More Vehicles More Savings – Insuring primary and secondary vehicles on the same auto insurance policy may reduce the rate for each vehicle.
• Membership in Organizations – Participating in a professional or civic organization may earn a discount when getting a car insurance quote.
• New Vehicle Savings – Insuring a new car can cost up to 25% less since new vehicles are generally safer.
• Telematics Discount – People who choose to allow their auto insurance company to look at driving manner by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates as long as they are good drivers.

Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to specific coverage prices like medical payments or collision. Even though the math looks like you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

A partial list of companies that have these discounts include:

• AAA
• Progressive
• State Farm
• Esurance
• Nationwide

Check with every prospective company to apply every possible discount. All car insurance discounts might not apply in your area. If you would like to view insurers with discount auto insurance rates, follow this link.

Auto insurance quotes comparison

Getting a cheaper price on 2010 Mercedes-Benz CLS-Class insurance is actually easier than you may think. All you need to do is spend a few minutes on the computer comparing free car insurance quotes from online providers. This can be done using a couple different methods.

1. The easiest and least time consuming way to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This style of form prevents you from having to do repetitive form submissions for each company. Completing one form gets rate comparisons from several companies. It’s definitely the quickest method.
2. A harder way to find better pricing requires a trip to each company’s website and fill out a new quote form. For instance, let’s assume you want rates from Farmers, Geico and American Family. To find out each rate you need to visit each site and repeatedly enter your information, which is why first method is reommended.

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

Which method you use is up to you, but double check that you are using identical coverage information for each quote you get. If your comparisons have different liability limits then you won’t be able to determine the lowest rate for your Mercedes-Benz CLS-Class.

Why you might pay lower rates

Consumers need to have an understanding of some of the factors that play a part in calculating the level of your policy premiums. When you understand what impacts premium levels, this empowers consumers to make smart changes that may reward you with big savings. Many different elements are part of the calculation when you get a price on insurance. Most are fairly basic like your driving record, but other factors are not quite as obvious such as your credit history or how safe your car is.

• Never go without car insurance – Allowing your coverage to lapse is a quick way to drive up your policy premiums. And not only will your rates increase, failure to provide proof of insurance can result in a steep fine or even jail time.
• You may save more by combining policies – Some car insurance companies will give a discount to clients that purchase more than one policy in the form of a multi-policy discount. If you currently are using one company, drivers will still want to check prices from other companies to make sure you are getting the best deal. You may still be able to save even more by buying from different companies
• Optional features impact premiums – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft features like OnStar, LoJack tracking, and tamper alarms help track and prevent vehicle theft.
• How your age affects rates – Teenage drivers have been known to be easily distracted when driving so they pay higher car insurance rates. Parents adding a teen driver onto your car insurance can cause a big jump in price. Older people are more cautious drivers, statistically cause fewer accidents and get fewer tickets.
• Put fewer miles on your vehicle – Driving more miles in a year’s time the higher your rate. Many insurance companies apply a rate based on their usage. Vehicles that do not get driven very much cost less to insure than those that get driven frequently. An incorrectly rated CLS-Class may be costing you. Verify your declarations sheet correctly shows the right rating data.

Tailor your insurance coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might point out whether your personal situation could use an agent’s help.

• Am I covered if I hit a deer?
• What vehicles should carry emergency assistance coverage?
• How high should deductibles be on a 2010 Mercedes-Benz CLS-Class?
• Does coverage extend to Mexico or Canada?
• If my 2010 Mercedes-Benz CLS-Class is totaled, can I afford another vehicle?
• Am I covered if I wreck a rental car?
• Do I need added coverage for expensive stereo equipment?
• Is a new car covered when I drive it off the dealer lot?
• Is rental equipment covered for theft or damage?
• Am I covered if I drive in a foreign country?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It only takes a few minutes and may give you better protection.

Auto insurance 101

Having a good grasp of your insurance policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision coverage – Collision insurance will pay to fix damage to your CLS-Class resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with a tree, crashing into a ditch, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses for doctor visits, surgery and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Auto liability – This provides protection from damages or injuries you inflict on people or other property. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like pain and suffering, medical services, bail bonds, loss of income and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive protection – Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from a tornado or hurricane, vandalism, hitting a bird and a broken windshield. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Make an honest buck

Insureds change insurance companies for a number of reasons such as lack of trust in their agent, high rates after DUI convictions, an unsatisfactory settlement offer and even delays in responding to claim requests. It doesn’t matter what your reason, choosing a new insurance company is actually quite simple.

There are still a few companies who do not offer rates over the internet and many times these small insurance companies prefer to sell through independent insurance agents. The cheapest 2010 Mercedes-Benz CLS-Class insurance is attainable on the web as well as from insurance agents, so you need to compare both to get a complete price analysis.

When you buy car insurance online, do not buy lower coverage limits just to save a few bucks. Too many times, someone dropped physical damage coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best cost while not skimping on critical coverages.

More learning opportunities

• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Event Data Recorders FAQ (iihs.org)
• What is a Telematics Device? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Think You’re a Safe Driver? (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)