2012 Mercedes-Benz CLS-Class Insurance Rates – 8 Policy Discounts

Trying to find cheaper insurance coverage rates for your Mercedes-Benz CLS-Class? Searching for cheaper insurance for a new or used Mercedes-Benz CLS-Class can turn out to be an all-consuming task, but you can learn our insurance coverage buying tips to make it easier.

There are both good and bad ways to find insurance coverage online so we’re going to tell you the proper way to quote coverages for your Mercedes-Benz and locate the cheapest rates either online or from local insurance agents.

Consumers need to do rate comparisons at least once a year since insurance prices are constantly changing. Even if you got the best rates for CLS-Class coverage last year other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because you’re about to find out the best methods to lower your rates without sacrificing coverage.

If you have a current insurance coverage policy or are shopping for new coverage, you will benefit by learning to find the best rates while maximizing coverage. Shopping for the cheapest insurance coverage can be fairly easy. Drivers just need to learn how to get comparison quotes over the internet.

Don’t overlook these eight insurance discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will be applied at the time you complete a quote, but a few must be requested specifically before being credited.

• Government Employee Discount – Having worked for a branch of the government may qualify for a discount when you quote insurance for CLS-Class coverage depending on your insurance provider.
• Auto/Life Discount – Select insurance carriers reward you with better insurancerates if you take out a life policy as well.
• Multiple Cars – Insuring multiple cars or trucks on a single policy could earn a price break for each car.
• Multi-policy Discount – If you can combine your auto and homeowners policy and insure them both with the same insurance company you will save up to 20% and get you cheap insurance.
• Anti-lock Brakes – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Paperwork-free – A handful of larger companies may give you up to $50 for signing up over the internet.
• Drivers Education – Have your child enroll and complete driver’s education in school.
• Anti-theft System – Anti-theft and alarm system equipped vehicles are stolen less frequently and can earn a small discount on your policy.

Policy discounts save money, but most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. Just because you may think it’s possible to get free car insurance, it’s just not the way it works.

Larger insurance companies and the discounts they provide are detailed below.

• State Farm has savings for multiple policy, defensive driving training, student away at school, multiple autos, driver’s education, good student, and Steer Clear safe driver discount.
• Farmers Insurance offers discounts for business and professional, teen driver, multi-car, electronic funds transfer, and homeowner.
• Progressive has discounts for homeowner, multi-policy, online signing, continuous coverage, good student, online quote discount, and multi-vehicle.
• Geico offers premium reductions for good student, federal employee, daytime running lights, multi-vehicle, and anti-lock brakes.
• Auto-Owners Insurance includes discounts for teen driver, company car, safe vehicle, multiple vehicles, paperless, paid in full, and mature driver.
• The Hartford offers discounts including anti-theft, driver training, bundle, defensive driver, vehicle fuel type, and good student.
• Farm Bureau may include discounts for multi-vehicle, driver training, good student, safe driver, renewal discount, 55 and retired, and multi-policy.
• USAA discounts include multi-policy, safe driver, defensive driver, annual mileage, and family discount.

It’s a good idea to ask every company which credits you are entitled to. Some of the discounts discussed earlier might not apply in every state. To see companies that offer some of these discounts, click here.

Buy insurance online

Performing a rate comparison can be a lot of work if you don’t understand the most efficient way to do it. You can waste a lot of time driving to insurance companies in your area, or you could use online quoting to get rates in a matter of minutes.

Most major companies take part in a program where prospective buyers complete one form, and each participating company can provide price quotes based on the submitted data. This prevents consumers from doing quote requests for each company.

To participate in this free quote system, click here (opens in new window).

The only downside to comparing rates this way is you can’t choose which providers to get pricing from. So if you want to choose specific providers to compare prices, we put together a list of low cost insurance companies in your area. Click to view list.

How you compare quotes is your choice, just do your best to enter exactly the same information for every company. If you use different limits and deductibles on each one you can’t possibly make a fair rate comparison.

When to get professional advice

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• Does insurance cover damages from a DUI accident?
• When should I drop full coverage on my 2012 Mercedes-Benz CLS-Class?
• Why does it cost so much to insure a teen driver?
• Should I sign the liability waiver when renting a car?
• Does coverage extend to Mexico or Canada?
• Do I need an umbrella policy?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Learn about car insurance coverages for a 2012 Mercedes-Benz CLS-Class

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability – This can cover damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: 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 $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as pain and suffering, bail bonds, attorney fees, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a tree branch falling on your vehicle, damage from a tornado or hurricane, hitting a bird, hitting a deer and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CLS-Class.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Medical costs insurance – Coverage for medical payments and/or PIP kick in for expenses for doctor visits, rehabilitation expenses, prosthetic devices and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Collision – Collision coverage will pay to fix damage to your CLS-Class from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, colliding with another moving vehicle, crashing into a building and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

You can do this!

We’ve covered some good ideas how to get a better price on 2012 Mercedes-Benz CLS-Class insurance. The most important thing to understand is the more times you quote, the better chance you’ll have of finding cheap insurance. Consumers may even find the best rates are with some of the smallest insurance companies.

As you quote insurance, it’s very important that you do not skimp on coverage in order to save money. There are many occasions where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at the best price, but do not skimp to save money.

Affordable 2012 Mercedes-Benz CLS-Class insurance can be sourced on the web and also from your neighborhood agents, so you need to quote insurance with both to get a complete price analysis. There are still a few companies who may not have rate quotes online and many times these regional insurance providers only sell through independent agencies.

Additional information

• Child Safety Seats (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Smart Auto Insurance Tips (Insurance Information Insitute)