Compare 2011 Mercedes-Benz CL-Class Car Insurance Rates

Trying to find lower car insurance rates for your Mercedes-Benz CL-Class? Wish you could get out of an overpriced car insurance policy? It’s a common feeling and you’re not the only one. There is such a variety of auto insurance companies to purchase coverage from, and though it is a good thing to have a choice, it can be more difficult to locate the cheapest rates.

Insurance Discounts

Insurance is expensive, but there are discounts available that you may not even know about. A few discounts will be applied when you complete an application, but lesser-known reductions have to be specially asked for before you get the savings.

• Anti-lock Brake System – Cars with ABS braking systems or traction control are safer to drive and will save you 10% or more.
• Discount for Low Mileage – Low annual miles could qualify for discounted premium rates on garaged vehicles.
• Discounts for Multiple Vehicles – Having primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
• Driver Education Discount – Have your child sucessfully take a drivers education course as it can save substantially.
• Telematics Devices – Policyholders that allow their insurance company to analyze where and when they drive by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
• Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
• Discount for Home Ownership – Just being a homeowner may trigger a policy discount on insurance because it is proof of financial responsibility.

Policy discounts save money, but some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So even though they make it sound like having all the discounts means you get insurance for free, that’s just not realistic.

A list of insurance companies and some of the discounts are shown below.

• Progressive includes discounts for multi-policy, online quote discount, continuous coverage, online signing, homeowner, and good student.
• Farmers Insurance may have discounts that include good student, multi-car, teen driver, alternative fuel, distant student, and early shopping.
• Farm Bureau has savings for 55 and retired, safe driver, good student, driver training, and multi-policy.
• State Farm may include discounts for multiple autos, accident-free, Drive Safe & Save, passive restraint, and student away at school.
• Geico offers discounts for membership and employees, air bags, military active duty, driver training, multi-policy, five-year accident-free, and seat belt use.
• SAFECO policyholders can earn discounts including teen safety rewards, accident prevention training, anti-theft, homeowner, multi-car, anti-lock brakes, and bundle discounts.
• Liberty Mutual offers premium reductions for safety features, newly retired, hybrid vehicle, good student, preferred payment discount, multi-policy, and exclusive group savings.

When getting free car insurance quotes, it’s a good idea to every insurance company what discounts are available to you. Some discounts listed above may not be offered in your area. To view insurance companies that provide some of the discounts listed above, click here to view.

The best way we recommend to compare rate quotes is to understand all the major auto insurance companies participate in a system to provide you with free rate quotes. The only thing you need to do is provide information like driver details, if it has an anti-theft system, whether your vehicle is owned or leased, and marital status. The data is instantly submitted to multiple top-rated companies and they respond with quotes within a short period of time.

You can change your insurance costs

Lots of things are used when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are not quite as obvious such as your marital status or how safe your car is.

• Getting married reduces risk – Getting married may save some money when shopping for car insurance. Marriage demonstrates that you tend to be more mature and it’s statistically proven that married drivers get in fewer accidents.
• Cars with good safety ratings means cheaper prices – Cars with high safety ratings cost less to insure. The safest vehicles reduce occupant injuries and lower rates of occupant injuries means less claims paid passed on to you as lower rates.
• An active claims history can cost you more – Companies give cheaper rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Insurance coverage is intended for the bigger claims that can’t be paid out-of-pocket.
• Extra policy coverages can add up – There are many additional coverages that can add up if you aren’t careful. Insurance for things like rental car coverage, towing, and extra life insurance coverage are probably not needed. The coverages may be enticing when deciding what coverages you need, but now you might not need them so think about removing them and cutting costs.
• Low coverage deductibles cost more – Your deductibles are how much you are willing to pay out-of-pocket before your car insurance pays a claim. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some coverage claims are collision with another vehicle, collision with a deer, and damage from wind. The more damage repair cost you have to pay, the less money you will pay for car insurance for CL-Class coverage.
• Experienced drivers save more – Teen drivers are known to be easily distracted with other occupants in the car so car insurance rates are higher. Parents adding a young driver onto a policy will cause a huge premium hike. More experienced drivers have been proven to be more responsible, file fewer claims .
• Gender and insurance coverage prices – Statistics have proven females are less aggressive when driving. This data doesn’t prove that women are BETTER drivers than men. Both genders cause at-fault accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Men also statistically get more serious tickets such as DWI and reckless driving. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive car insurance rates.
• Prevent theft and save – Driving a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft features like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can help prevent auto theft.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

• What is the minimum liability in my state?
• How do I file an SR-22 for a DUI in my state?
• Am I covered if I wreck a rental car?
• Am I covered when driving in Canada or Mexico?
• Is my custom paint covered by insurance?
• Are rental cars covered under my policy?
• Do I have coverage when using my vehicle for my home business?
• Do I really need UM/UIM coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Do you really save 40% when you switch?

Consumers can’t get away from ads for the lowest price insurance from the likes of Progressive, Geico, Allstate and State Farm. They all state the claim about saving some big amount just by switching your insurance policy to them.

How does each company give you a lower rate? You have to listen carefully.

Insurance companies look for specific characteristics for a prospective insured that makes them money. An example of a desirable insured may need to be over age 30, owns a home, and the vehicle is rated for pleasure use. Someone that meets those criteria will get very good rates and will also save some money.

Potential customers who do not match this stringent profile will get higher premiums which translates to the customer not buying. If you pay attention, the ads say “people that switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s why companies can claim big savings. Because of this risk profiling, it is so important to compare quotes as often as possible. Because you cannot predict the company that will have the best premium rates at this point in time.

Auto insurance coverage specifics

Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are the usual coverages available from auto insurance companies.

Liability coverage – Liability coverage can cover damage or injury you incur to other’s property or people that is your fault. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like emergency aid, repair bills for other people’s vehicles and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Mercedes-Benz CL-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 should not be overlooked.

Collision coverages – This coverage will pay to fix damage to your CL-Class caused by collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things like colliding with a tree, hitting a parking meter, backing into a parked car, hitting a mailbox and scraping a guard rail. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for ambulance fees, nursing services, doctor visits and rehabilitation expenses. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from flooding, rock chips in glass, a broken windshield and a tree branch falling on your vehicle. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

In conclusion

Cheaper 2011 Mercedes-Benz CL-Class insurance is attainable from both online companies as well as from independent agents, and you should compare rates from both to have the best rate selection. Some companies do not provide rates over the internet and usually these regional insurance providers only sell through independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. In too many instances, an insured dropped physical damage coverage and learned later they didn’t have enough coverage. Your aim should be to buy enough coverage for the lowest price, but don’t skip important coverages to save money.

For more information, link through to the articles below:

• Senior Drivers (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Cellphones, Texting and Driving (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)