2013 Mercedes-Benz CLS-Class Insurance Quotes

Are you irritated from not being able to afford to make your insurance coverage payment? You are no different than many other vehicle owners.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm constantly bombard you with fancy advertisements and it is challenging if not impossible to ignore the promise of big savings and find the best price available.

If you have car insurance now, you will be able to reduce your rates substantially using this information. Finding affordable coverage is not that difficult. Although drivers can benefit from knowing how big insurance companies price insurance differently because it can help you find the best coverage.

Learn how to quote car insurance at a discount

Multiple criteria are used when you get your auto insurance bill. A few of the factors are predictable such as your driving history, but other factors are less apparent such as your credit history or how financially stable you are.

The items below are a partial list of the pieces companies use to determine prices.

• Marriage pays dividends – Your spouse can get you a discount on your car insurance bill. Marriage is viewed as being more financially stable and it’s statistically proven that drivers who are married file infrequent claims.
• Safer cars mean better rates – Safer cars can get you lower premiums. Vehicles built for safety reduce occupant injuries and fewer serious injuries translates into savings for insurance companies passed on to you as lower rates.
• Safer cars that lower car insurance rates – Selecting a car model that has a built-in theft deterrent system can help bring down rates. Theft deterrent systems such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft.
• Your occupation and car insurance rates – Did you know your occupation can influence how much you pay for car insurance? Occupations like real estate brokers, executives and medical professionals have higher premiums than the average policyholder because of job stress and extremely grueling work hours. Conversely, jobs such as professors, historians and homemakers generally pay rates lower than average on CLS-Class coverage.
• Avoid coverage lapses – Driving without insurance coverage in place is not a good idea and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher premiums, the inability to provide proof of insurance may earn you a license revocation or jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
• Physical damage deductibles are a factor – The deductibles you choose tell how much you are willing to pay if the claim is covered. Insurance for physical damage, also called ‘full coverage’, insures against damage to your car. Some instances where coverage would apply are rearending another vehicle, vandalism, and damage from wind. The larger the amount you choose to pay out-of-pocket, the less your company will charge you for insurance on CLS-Class coverage.
• Annual mileage impacts premiums – Driving more miles annually the more you’ll pay to insure it. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos left parked in the garage receive better premium rates than vehicles that are driven to work every day. An improperly rated CLS-Class can cost quite a bit. Ask your agent if your car insurance declarations sheet correctly shows the correct usage, because it can save money.

Do you qualify for discount insurance coverage?

Some companies don’t always advertise every available discount very well, so the list below details both well-publicized and also the more inconspicuous discounts that you may qualify for. If you check and find you aren’t receiving every discount you deserve, you are throwing money away.

• Claim-Free Discount – Good drivers with no accidents have much lower rates as opposed to policyholders that have many claims.
• Defensive Driving Course – Participating in a course in driver safety is a good idea and can lower rates and also improve your driving technique.
• Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks on the premium charged for medical payments and/or PIP.
• Anti-theft System – Vehicles optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
• Homeowners Savings – Just being a homeowner may trigger a policy discount on insurance coverage since home ownership is proof of financial responsibility.

As is typical with insurance, most discount credits are not given the the whole policy. Some only apply to specific coverage prices like comprehensive or collision. Even though it may seem like you could get a free insurance coverage policy, that’s just not realistic.

Large insurance coverage companies and a partial list of their discounts are included below.

• Geico may include discounts for good student, anti-theft, multi-policy, anti-lock brakes, and federal employee.
• Travelers may have discounts that include student away at school, early quote, home ownership, multi-policy, and save driver.
• Nationwide has savings for good student, business or organization, defensive driving, family plan, easy pay, and Farm Bureau membership.
• Farmers Insurance includes discounts for alternative fuel, mature driver, pay in full, business and professional, good student, and multi-car.
• Esurance policyholders can earn discounts including anti-theft, online shopper, Switch & Save, online quote, and multi-policy.
• State Farm has discounts for Drive Safe & Save, multiple autos, Steer Clear safe driver discount, accident-free, safe vehicle, multiple policy, and driver’s education.
• Progressive discounts include multi-vehicle, homeowner, continuous coverage, good student, online signing, multi-policy, and online quote discount.
• Mercury Insurance may offer discounts for annual mileage, anti-theft, multi-car, accident-free, age of vehicle, and good driver.

Check with each company how many discounts you can get. Some discounts may not apply to policies in every state. To view providers that offer some of these discounts, click here to view.

What insurance coverages do I need?

When buying proper insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your insurance needs might need professional guidance.

• Do I need motorclub coverage?
• Are my friends covered when driving my car?
• Is pleasure use cheaper than using my 2013 Mercedes-Benz CLS-Class to commute?
• Where can I find high-risk insurance?
• What is the minimum liability in my state?
• Do I pay less for low miles?
• Do I have newly-aquired coverage?
• Do I need an umbrella policy?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as hospital visits, nursing services, dental work and surgery. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability auto insurance – This protects you from injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims like repair costs for stationary objects, funeral expenses and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford.

Collision coverages – This coverage will pay to fix damage to your CLS-Class resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, sustaining damage from a pot hole, hitting a parking meter, backing into a parked car and colliding with a tree. 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 bump up the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Mercedes-Benz CLS-Class.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive (Other than Collision) – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like hitting a deer, damage from a tornado or hurricane, damage from flooding, rock chips in glass and falling objects. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Feed the piggy bank

We covered many tips how you can save on 2013 Mercedes-Benz CLS-Class insurance. The key thing to remember is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the biggest savings come from a small mutual company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate, Geico and Progressive.

When getting auto insurance quotes online, you should never skimp on coverage in order to save money. There are many occasions where someone dropped collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Additional information can be read on the following sites:

• Auto Insurance Basics (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)
• Should I Buy a New or Used Car? (Allstate)
• Child Safety Seats (Insurance Information Insitute)
• Speed and Speed Limit FAQ (iihs.org)