Cheaper 2012 Mercedes-Benz CL-Class Insurance Cost

Looking for the cheapest auto insurance rates for your Mercedes-Benz CL-Class? Comparison shopping for cheap auto insurance is always frustrating for drivers who are beginners to buying insurance online. With more and more online companies available, it can be a real challenge to compare prices.

Shop insurance coverage online

Comparing insurance coverage rates can be exhausting if you don’t utilize the fastest way to get free quotes. You can spend your afternoon talking to local insurance agents in your area, or you could save time and use online quoting to quickly compare rates.

Many insurance companies enroll in a system that enables customers to enter their coverage request one time, and every company then gives them pricing based on that information. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To compare rates using this form now click here to open in new window.

The single downside to comparing rates this way is you can’t choose which insurance companies to get quotes from. If you wish to select specific providers for rate comparison, we have a page of low cost insurance coverage companies in your area. Click to view list.

Which method you use is up to you, but double check that you are using equivalent coverages on every quote you get. If you enter differing limits it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages could mean much higher rates. Just remember that obtaining a wide range of quotes gives you a better chance of getting lower pricing.

Buyer beware of auto insurance advertising tricks

Allstate, Geico and Progressive regularly use television and radio advertisements. They all seem to make the promise about savings if you switch your policy. How can each company charge you a lower premium? It’s all in the wording.

Companies have strict underwriting profiles for the type of driver that earns them the highest profit. For instance, a profitable risk profile might be described as over age 30, has no driving citations, and the vehicle is rated for pleasure use. Any new insured who meets those qualifications gets the lowest prices and most likely will save a lot of money.

People who do not fit these stringent criteria may receive higher rates and business going elsewhere. The ad wording is “customers that switch” but not “all drivers who get quotes” save that much money. That’s why companies can make claims like that.

This emphasizes why drivers must get a wide range of price quotes. Because you cannot predict the company that will give you the biggest savings.

How insurance companies determine Mercedes-Benz CL-Class insurance premiums

Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating your premiums. If you know what positively or negatively impacts your premiums, this allows you to make educated decisions that may reward you with much lower annual insurance costs. Many factors are part of the equation when quoting car insurance. Most are fairly basic like a motor vehicle report, but others are not quite as obvious like your vehicle usage or your vehicle rating.

Listed below are most of the major factors used by companies to determine premiums.

  • Adjust physical damage deductibles and save – Physical damage deductibles define the amount you are willing to pay if the claim is covered. Protection for physical damage, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some coverage claims are a windshield broken by a bird, animal collisions, and damage caused by road hazards. The more you choose to pay out-of-pocket, the lower your rates will be for CL-Class insurance.
  • Rural areas have lower rates – Having an address in a small town is a good thing when shopping for auto insurance. Urban drivers have to deal with more road rage incidents and a longer drive to work. Less people living in that area means less chance of accidents as well as less vandalism and auto theft.
  • Discounts for alarm systems – Purchasing a vehicle with a theft deterrent system can help lower your premiums. Theft prevention devices such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
  • Low credit history equals high prices – A driver’s credit score can be a huge factor in calculating your premium rate. If your credit rating can be improved, you may save money insuring your 2012 Mercedes-Benz CL-Class by improving your rating. People that have very high credit ratings tend to be less risk to insure than those with lower credit scores.
  • Protect yourself with liability – The liability section of your policy kicks in in the event that you are found liable for damages from an accident. This coverage provides you with a defense in court to attempt to prove you were not liable. It is affordable coverage when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.

Get cheap car insurance rates with discounts

Car insurance is neither fun to buy or cheap, but you might find some hidden discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time of purchase, but a few must be manually applied prior to getting the savings.

  • Good Student – Maintaining excellent grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
  • Active Service Discounts – Being deployed with a military unit could trigger a small discount.
  • Government Employee Discount – Employees or retirees of the government can earn a discount up to 10% for CL-Class insurance with a few car insurance companies.
  • Low Miles Discount – Driving less may allow you to get discounted prices on garaged vehicles.
  • Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase a life insurance policy as well.
  • ABS and Traction Control Discounts – Cars that have anti-lock braking systems can avoid accidents so companies give up to a 10% discount.
  • Distant College Student Discount – Kids who live away from home at college and do not take a car to college can receive lower rates.
  • Discount for Passive Restraints – Vehicles equipped with air bags can get savings of 20 to 30 percent.

Consumers should know that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it doesn’t quite work that way.

Some of the larger companies that may offer quotes with most of these discounts possibly include:

Before you buy a policy, ask each company how you can save money. Some of the discounts discussed earlier might not be offered on policies in every state.

Tailor your insurance coverage to you

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

For example, these questions may help you determine if your insurance needs could use an agent’s help.

  • Does my insurance cover my expensive audio equipment?
  • Are rental cars covered under my policy?
  • Do I benefit by insuring my home with the same company?
  • Do all my vehicles need collision coverage?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?
  • Am I getting all the discounts available?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.

What insurance coverages do you need?

Knowing the specifics of insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a parking meter, scraping a guard rail, crashing into a building, crashing into a ditch and driving through your garage door. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from getting keyed, falling objects, rock chips in glass and a broken windshield. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually these coverages are similar to your liability insurance amounts.

Liability auto insurance

This provides protection from damages or injuries you inflict on a person or their property. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, loss of income, repair bills for other people’s vehicles and court costs. How much coverage you buy is your choice, but buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like dental work, funeral costs, X-ray expenses, nursing services and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state and may carry a deductible

A little work can save a LOT of money

When searching for cheap car insurance quotes, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. The goal is to buy the best coverage you can find at an affordable rate but still have enough coverage for asset protection.

Consumers change insurance companies for many reasons like delays in responding to claim requests, questionable increases in premium, delays in paying claims and being labeled a high risk driver. Whatever your reason, finding a new auto insurance company can be easy and end up saving you some money.

We just covered some good ideas how you can save on 2012 Mercedes-Benz CL-Class insurance. The key concept to understand is the more quotes you get, the better your chances of lowering your prices. You may even find the best premium rates are with a company that doesn’t do a lot of advertising.

Even more information can be read at these sites:

Comments About 2012 Mercedes-Benz CL-Class Insurance

  1. Kaye Pratt

    From Miami, FL. Compared rates from a lot of places. Saved about $20 a month. 21st Century was the cheapest option for me. Have an at-fault accident tho. LOL

  2. Sherilyn Mooney

    Need cheaper insurance rates for my teenage driver in Springfield, Missouri!!

  3. Rosemarie Gentry

    I live in Tampa, Florida. Received quotes from 21st Century, Encompass, and The General for my 2012 Mercedes-Benz CL-Class and saved just over $180 a year. Insured with USAA before. Highly recommended.

  4. Kendrick Heath

    If you’re a decent driver and live in the vicinity of Raleigh, NC, check out State Farm. You might save some money. Was with Allstate. My new agent seems to be really good.

  5. Kassie Cross

    I’m just west of Mesa, Arizona. Went online for free insurance quotes for a 2012 Mercedes-Benz CL-Class. Ended up at about $500 savings annually. Went with 21st Century. Insured with 21st Century before. I even had a DUI years ago.

  6. Augustine Burnett

    I live just outside Springfield, MA. Got car insurance prices from American Family, Safeco, and Western Auto Insurance for my Mercedes-Benz and saved just over $520 a year.

  7. Grady Woods

    IT’S ALL TOO EXPENSIVE! I live on the east side of Charleston, WV. Got quotes from MetLife, Farmers, Allstate, and AAA for my 2012 Mercedes-Benz CL-Class and I’m now saving $58 a month. Insured with AAA before. Have a couple speeding tickets too. They were helpful in switching over.

  8. Sunday Berry

    Enjoyed the article. Got a quote with Travelers for my Mercedes-Benz and cut my rates about $120 a year. Insured with Auto-Owners before. I get multi-vehicle and multi-policy discounts.

  9. Ross Bass

    Hope my car insurance gets cheaper. From northwest of Overland Park, KS. Quoted quotes from American Family, Safeco, and a few others for my Mercedes-Benz and I’m now saving $58 a month.

  10. Nicky Pickett

    From north side of Boston, Massachusetts. Quoted quotes from Travelers, Amica, GMAC, and Safeco for my Mercedes-Benz and I think I cut my rates about $60 each month. It’s easy to compare rates online now.

  11. Michel Weber

    This is too expensive. Proud to be from Baton Rouge, LA. Quoted prices from Auto-Owners, Esurance, and Nationwide for my CL-Class and I’m now saving $57 a month. Even increased coverage a bit.

  12. Jonelle Diaz

    Not sure what I should be paying. I live in South Burlington, VT. I got free rates from AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my Mercedes-Benz and saved about $560 a year.

  13. Jefferey Lynch

    Located in Boston, Massachusetts. Compared quite a few companies. Saved right around $50 a month. Allstate was the most affordable for me. I get a discount for insuring multiple vehicles. Just go online and compare their rates.

  14. Noelle Morin

    I’m in Cleveland, Ohio. I quoted with AIG Insurance, Mercury, and USAA for my 2012 Mercedes-Benz CL-Class and I’m now saving $18 a month. Left Eastwood to switch. They have a lot of discounts available.

  15. Maximo Nash

    In Cleveland, OH, Auto-Owners had the best rates for my 2012 Mercedes-Benz CL-Class. Left Allstate to switch.

  16. Edelmira Wilson

    I got quite a few price quotes for a 2012 Mercedes-Benz CL-Class in South Burlington, VT. Ended up at about $210 every six months with AAA.

  17. Carolynn Mendoza

    Progressive is decent in Providence, Rhode Island.

  18. Janina Kerr

    I compared a lot of rate quotes for a 2012 Mercedes-Benz CL-Class in Tucson, AZ. Ended up at roughly $460 every six months with AIG Insurance.