Want the cheapest insurance rates for your Mercedes-Benz CLS-Class? Trying to find the cheapest insurance for a Mercedes-Benz CLS-Class can turn out to be an all-consuming task, but you can learn our insurance buying tips and make it easy. There are more efficient ways to buy insurance and you need to know the proper way to price shop coverage for your Mercedes-Benz and obtain the best price possible from both online companies and local agents.
You should make it a habit to shop coverage around on a regular basis since rates are usually higher with each renewal. Just because you had the best premium rates for CLS-Class coverage a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about insurance because you’re about to learn the best way to buy cheaper insurance.
Smart consumers have a good feel for some of the elements that go into determining the rates you pay for auto insurance. If you have a feel for what impacts premium levels, this allows you to make good choices that could result in better auto insurance rates.
Comparing insurance rates can be a daunting task if you don’t know the easiest way. You could waste time driving to local insurance agents in your area, or you can stay home and use the web to get pricing more quickly.
Many popular insurance companies participate in an industry program where insurance shoppers enter their coverage request one time, and each participating company returns a competitive quote determined by their information. This eliminates the need for quote requests to each individual insurance company.
To participate in this free quote system, click here to start a free quote.
One minor caviat to doing it this way is that consumers can’t choose which insurance companies to get quotes from. So if you want to select individual companies to request quotes from, we put together a list of insurance companies in your area. View list of insurance companies.
You can choose any of those ways to find more affodable coverage, but double check that you are using apples-to-apples quote information with each company. If the quotes have different coverage information it will be very difficult to decipher which rate is best.
Consumers can’t ignore all the ads for cheaper insurance coverage by companies like State Farm, Allstate and Geico. They all have a common claim about how much you will save just by moving your coverage.
How is it plausible that every one can charge you a lower premium? This is the trick they use.
Insurance coverage companies look for specific characteristics for a prospective insured that will not have excessive claims. For instance, a profitable customer may need to be between the ages of 30 and 50, owns their home, and insures a new vehicle. A customer getting a price quote who fits those characteristics receives the best premium rates and will most likely save quite a bit of money when switching.
Potential insureds who don’t measure up to these stringent criteria will probably have to pay a higher premium with the end result being business not being written. Company advertisements say “people who switch” not “everyone who quotes” save that much money. This is how insurance companies can confidently advertise the way they do. Because every company is different, you absolutely need to get price quotes at each policy renewal. Because you cannot predict which insurance coverage company will be your best fit.
Companies don’t always publicize all possible discounts in a way that’s easy to find, so we took the time to find some of the more common and also the lesser-known discounts that you may qualify for.
Remember that most discount credits are not given to all coverage premiums. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies aren’t that generous.
Popular insurance companies and a partial list of their discounts are shown below.
Double check with every company which discounts they offer. Savings might not be offered on policies in every state. To find providers offering insurance discounts, follow this link.
When buying coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.
These are some specific questions may help highlight if you could use an agent’s help.
If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Having a good grasp of a insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Coverage for liability
Liability insurance will cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from claims by other people, and doesn’t 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 limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.
Liability can pay for things such as structural damage, funeral expenses and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.
Collision coverage protection
Collision insurance pays for damage to your CLS-Class resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.
Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle and damaging your car on a curb. 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.
Comprehensive (Other than Collision)
Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like hitting a bird, hail damage, vandalism, rock chips in glass and a broken windshield. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like chiropractic care, rehabilitation expenses, hospital visits and ambulance fees. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Mercedes-Benz CLS-Class.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.
As you go through the steps to switch your coverage, it’s not a good idea to reduce coverage to reduce premium. In too many instances, consumers will sacrifice liability coverage limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to purchase a proper amount of coverage at an affordable rate, not the least amount of coverage.
Some companies may not have price quotes online smaller companies prefer to sell through independent insurance agencies. Affordable 2011 Mercedes-Benz CLS-Class insurance is definitely available from both online companies as well as from insurance agents, so you need to compare both to have the best chance of lowering rates.
People who switch companies do it for many reasons like policy non-renewal, high rates after DUI convictions, policy cancellation and even poor customer service. Regardless of your reason, finding a new auto insurance company can be easier than you think.
Additional auto insurance information can be found on the following sites:
Andre Ochoa
Compared rates with GEICO and AAA but still pricey.
Tu Vincent
I’m just south of Rapid City, SD. I got free quotes from Auto-Owners, MetLife, and Western Auto Insurance for my 2011 Mercedes-Benz CLS-Class and I think I saved about $50 each month. I got prices on the web.
Pamelia White
This is too expensive. I live in a small town just outside of Jackson, MS. Can’t remember who all I quoted but I ended up saving about $60 each month. Was with Safeco.
Barney Martinez
In Chesapeake, VA, State Farm auto insurance rates for my 2011 Mercedes-Benz CLS-Class were good. I have a couple other vehicles on the policy. I quoted rates online then called them.
Johnny Franks
I found cheap 2011 Mercedes-Benz CLS-Class insurance in Seattle, WA with Allstate.
Charlie Church
Liked the article. I live in Las Vegas, NV. Quoted with 21st Century, Farmers, and Hanover for my 2011 Mercedes-Benz CLS-Class and I’m now saving $42 a month. I used their online quote form to compare rates.
Diego Jefferson
I live in a small town just outside of Minneapolis, MN. Can’t remember who all I quoted but I ended up saving about $60 each month. Left Nationwide to switch. Hopefully won’t need it. Did it all online.
Mervin Avila
State Farm was cheapest for my 2011 Mercedes-Benz CLS-Class in Parkersburg, WV.
Dalia Kramer
Good site, thanks. I live just outside Allentown, PA. I quoted with GMAC, AAA, Nationwide, and a couple others for my Mercedes-Benz and I think I cut my rates about $60 each month. Insured with Liberty Mutual before. Are quotes cheaper online?
Henry Hudson
I’m just west of Raleigh, NC. Not sure of all the companies but I ended up saving about $60 each month. Insured with Allstate before.
Genia Head
Lots of good stuff here. Lifelong resident of Frederick, MD. Got rates from GEICO, Amica, and some I forget for my CLS-Class and saved just over $290 a year. It’s still not cheap enough.
Sanora Wall
I’m just north of Kansas City, MO. Checked online prices for a 2011 Mercedes-Benz CLS-Class. Ended up at about $190 savings annually. Went with State Farm.
Teresa Parker
Mine is so expensive. Checking in from Indianapolis, IN. Went online for free insurance quotes for a 2011 Mercedes-Benz CLS-Class. Ended up at about $420 savings annually. Went with 21st Century.
Walker Sweet
Why are claims settled so low?
Faviola Shaw
I’m in the west part of Dover, DE. Quoted with AIG Insurance, Sentry, and Travelers for my 2011 Mercedes-Benz CLS-Class and saved $200 a year. Insured with USAA before. I think they have home insurance too. Might find lower rates online.
Roseanne Spence
Thanks for putting this site together. I live just outside Atlanta, GA. Don’t remember every company but I ended up saving about $60 each month. It’s easy to compare rates online now.