2011 Mercedes-Benz CLS-Class Insurance Quotes

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 choices result in lower insurance premiums

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.

• Premiums and job – Did you know your career choice can influence rates? Careers such as real estate brokersairline pilots and dentists tend to pay higher rates than the rest of us due to job stress and long work days. On the flip side, professions such as professors, athletes and retirees pay lower than average rates for CLS-Class coverage.
• Your location is a factor – Living in a rural area can be a good thing when talking about auto insurance. People who live in big cities tend to have traffic congestion and longer commute times. Less people living in that area means fewer accidents in addition to lower liability claims
• Only buy extra coverages you need – Policies have optional add-on coverages you can purchase but may not be useful. Coverages for rental car coverage, better glass coverage, and term life insurance may not be needed and are just wasting money. The coverages may be enticing at first, but your money might be better spent on other coverage so get rid of them and save.
• Proper usage rating affects rates – The higher the mileage driven in a year the higher your rate. A lot of insurance companies rate vehicles based upon how much you drive. Vehicles that are left in the garage receive lower rates than vehicles that are driven to work every day. A policy that improperly rates your CLS-Class may be costing you higher rates. It’s always a good idea to double check that your vehicle rating reflects the proper vehicle usage, because improper ratings can cost you money.
• Don’t cancel your policy without a new one in place – Having a lapse in insurance coverage can be a fast way to bump up your auto insurance costs. And not only will insurance be more expensive, being ticketed for driving with no insurance might get you a license revocation or jail time.
• High comp and collision deductibles reduce prices – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Mercedes-Benz. Examples of covered claims would be collision with another vehicle, damage from fire, and damage from a fallen tree branch. The deductibles you choose represent how much money you are willing to pay if you file a covered claim. The more money the insured is willing to pay, the lower your rates will be for CLS-Class coverage.

How much is insurance?

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.

Do drivers who switch really save $409 a year?

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.

Do you qualify for discounts?

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.

• Discount for Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
• Paper-free Discount – Certain larger companies will discount your bill up to fifty bucks simply for signing over the internet.
• Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
• Telematics Devices – Drivers who elect to allow companies to scrutinize driving patterns by using a small device installed in their vehicle like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they show good driving skills.
• Multiple Cars – Purchasing coverage when you have multiple cars on the same insurance policy can get a discount on all vehicles.
• Senior Discount – Drivers over the age of 55 may be able to get reduced rates for CLS-Class coverage.
• Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz could be rewarded with substantially lower prices.

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.

• The Hartford offers premium reductions for driver training, air bag, vehicle fuel type, good student, bundle, and defensive driver.
• American Family includes discounts for multi-vehicle, defensive driver, good driver, Steer into Savings, air bags, and TimeAway discount.
• Progressive has discounts for multi-vehicle, continuous coverage, online signing, homeowner, and good student.
• Travelers offers discounts including continuous insurance, save driver, early quote, driver training, payment discounts, and multi-policy.
• Farmers Insurance has savings for homeowner, electronic funds transfer, distant student, teen driver, and good student.
• USAA may have discounts that include annual mileage, military installation, good student, defensive driver, and driver training.
• Liberty Mutual discounts include newly retired, multi-policy, new vehicle discount, preferred payment discount, hybrid vehicle, multi-car, and teen driver discount.

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.

Don’t assume everyone needs the same auto insurance coverage

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.

• Do I need an umbrella policy?
• Will I be non-renewed for getting a DUI or other conviction?
• I have good health insurance, so how much medical payments coverage do I need?
• Does coverage extend to Mexico or Canada?
• Does my car insurance cover rental cars?
• Which companies will insure high-risk drivers?
• Can I get a multi-policy discount?
• Is my teen driver covered when they drive my company car?
• Does my 2011 Mercedes-Benz CLS-Class qualify for pleasure use?

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.

Coverages available on your insurance policy

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.

Keep this in mind

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:

• Safety Belts FAQ (iihs.org)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Parking Tips to Reduce Door Dings (State Farm)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)