View 2013 Mercedes-Benz CL-Class Insurance Rates

Want the cheapest auto insurance rates? Drivers have a choice when trying to find the best price on Mercedes-Benz CL-Class insurance. They can either spend hours struggling with agents to compare prices or use the internet to make rate comparisons.

There are more efficient ways to shop for auto insurance and you need to know the best way to price shop coverage for a new or used Mercedes-Benz and find the lowest price from both online companies and local agents.

It’s a great practice to price shop coverage before your policy renews because auto insurance prices are rarely the same from one policy term to another. Even if you got the lowest rates for CL-Class coverage a couple years back there is a good chance you can find better rate quotes now. There is too much inaccurate information about auto insurance on the internet, but you can learn some proven techniques to find cheap auto insurance.

If you are insured now or are looking for a new policy, you can use these techniques to cut your premiums while maximizing coverage. This information will let you in on how car insurance quotes work and some tips to save money. Consumers just need to understand the proper methods to shop on the web.

Insurance costs are influenced by these factors

Many things are taken into consideration when premium rates are determined. Some factors are common sense such as your driving history, although some other factors are not as apparent like your vehicle usage or how financially stable you are.An important part of buying insurance is that you know some of the factors that play a part in calculating your policy premiums. If you know what influences your rates, this allows you to make good choices that could help you find lower premium levels.

Shown below are some of the major factors companies use to determine prices.

• Amount of liability – A critical coverage on your policy, liability insurance is the protection if you are ruled to be at fault for personal injury or accident damage. Your policy’s liability insurance provides you with a defense in court which can cost a lot. Liability is cheap as compared to coverage for physical damage, so do not cut corners here.
• Incidental coverages are wasting money – There are many optional add-on coverages that can add up if you aren’t diligent. Coverages for roadside assistance, better glass coverage, and extra life insurance coverage may be costing you every month. You may think they are a good idea when you first buy your policy, but if they’re wasting money eliminate them to save money.
• You might have higher prices if you are single – Getting married can actually save you money on your car insurance bill. Marriage means you’re more stable financially and it’s proven that married drivers tend to have fewer serious accidents.
• Which gender costs less? – Statistics show that women are safer drivers than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men get in fender benders at about the same rate, but the men have costlier accidents. Not only are claims higher, but men get more serious tickets such as reckless driving.
• Prevent theft and reduce car insurance rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent vehicle theft.
• Do you know your physical damage deductibles? – The deductibles you choose are how much you are required to spend out-of-pocket in the event of a claim. Insurance for physical damage, also called ‘full coverage’, covers damage that occurs to your car. Examples of some claims that would be covered could be colliding with a stationary object, damage caused by hail, and having a roll-over accident. The more you have to pay, the lower your rates will be for CL-Class coverage.
• Poor credit can mean higher costs – An insured’s credit rating can be a huge factor in calculating your premium rate. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower ratings. If your credit rating is low, you could pay less to insure your 2013 Mercedes-Benz CL-Class by improving your rating.
• Cheaper rates by consolidating – Some insurance companies give better rates to customers who consolidate policies with them in the form of a multi-policy discount. Even with this discount applied, consumers should still comparison shop to confirm you are receiving the best rates possible.

Reduce your insurance rates with discounts

Insurance is expensive, but you might find some hidden discounts that can help lower your rates. A few discounts will be applied at the time you complete a quote, but some discounts are required to be manually applied prior to getting the savings.

• Fewer Miles Equal More Savings – Driving less could earn better premium rates on cars that stay parked.
• Discount for Home Ownership – Simply owning a home may trigger a policy discount on insurance since owning and maintaining a home demonstrates responsibility.
• Discount for Life Insurance – Some insurance carriers give lower prices if you buy a life insurance policy as well.
• Government Employees – Simply working for the federal government could cut as much as 10% off for CL-Class coverage with some insurance companies.
• Organization Discounts – Belonging to a qualifying organization could earn you a nice discount when getting a insurance quote.

Don’t be surprised that some credits don’t apply to the overall cost of the policy. Most cut individual premiums such as medical payments or collision. Even though it may seem like you can get free auto insurance, that’s just not realistic.

If you would like to view insurers with significant discounts, click here.

Don’t listen to company ads

Consumers get pounded daily by advertisements for auto insurance savings by State Farm and Allstate. They all seem to say the same thing about how much you will save if you just switch your auto insurance coverage to their company.

How does each company give you a lower rate? This is how they do it.

All companies are able to cherry pick for the type of driver that is profitable for them. For example, this type of insured may be between 25 and 40, has a clean driving record, and drives less than 10,000 miles a year. Anybody who matches that profile will get the preferred premium rates and therefore will save when switching.

Potential insureds who do not match the “perfect” profile will be charged a more expensive rate and this can result in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can lure you into getting a quote.

This illustrates why you absolutely need to compare as many free insurance quotes as you can. Because without a comparison, you cannot know which insurance companies will give you lower car insurance rates than your current company.

You are unique and your insurance coverage should be too

When it comes to choosing coverage for your personal vehicles, there isn’t really a cookie cutter policy. Each situation is unique.

For example, these questions might help in determining whether your personal situation might need professional guidance.

• Am I better off with higher deductibles on my 2013 Mercedes-Benz CL-Class?
• Do I really need UM/UIM coverage?
• Do I need more liability coverage?
• Are rock chip repairs covered?
• What are the best liability limits?
• Do I have coverage when using my vehicle for my home business?
• Am I covered if I break a side mirror?
• Is my 2013 Mercedes-Benz CL-Class covered for flood damage?
• Exactly who is provided coverage by my policy?
• Which companies will insure high-risk drivers?

If you don’t know the answers to these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Specifics of your auto insurance policy

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

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, hitting a bird, falling objects and a tree branch falling on your vehicle. The highest amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability

Liability insurance protects you from injuries or damage you cause to other’s property or people that is your fault. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, emergency aid, attorney fees and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Collision insurance

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, damaging your car on a curb and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP reimburse you for expenses for things like chiropractic care, hospital visits, funeral costs, pain medications and nursing services. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2013 Mercedes-Benz CL-Class.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Saving money is sweet as honey

People change insurance companies for any number of reasons including not issuing a premium refund, extreme rates for teen drivers, delays in responding to claim requests and even lack of trust in their agent. Regardless of your reason for switching companies, finding a new company is easier than you think.

As you quote insurance, you should never reduce needed coverages to save money. There have been many situations where drivers have reduced full coverage to discover at claim time that the savings was not a smart move. The proper strategy is to purchase plenty of coverage at the best possible price, but do not skimp to save money.

Budget-friendly insurance is possible on the web and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money. A few companies don’t offer online price quotes and many times these regional carriers prefer to sell through local independent agents.

More articles

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Car Insurance FAQ (Trusted Choice)
• Alcohol Impaired Driving FAQ (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Safety Features for Your New Car (State Farm)