Lower Your 2014 Mercedes-Benz CL-Class Car Insurance Rates

Trying to find lower car insurance rates for your Mercedes-Benz CL-Class? Feeling guilty for buying high-priced car insurance? It’s a common feeling and there are many people just like you. Multiple insurers compete for your business, and it can be difficult to compare rates and uncover the absolute best rates possible.

It’s a good idea to compare prices before your next renewal because insurance prices change frequently. Even if you got the best price for CL-Class coverage a year ago you will most likely find a better rate quote today. There is a lot of wrong information about car insurance on the web, but we’re going to give you some great ways to reduce your car insurance bill.

Ways to get insurance coverage quotes

Many insurance companies such as Geico, State Farm and Progressive allow consumers to get pricing on the web. This process is fairly simple as you just type in the coverage amounts you desire on the page. When the form is submitted, the quote system makes automated requests for information on your driving record and credit history and gives you a price quote based on these and other factors. Being able to quote online makes comparing rates easy, but the work required to visit multiple sites and complete many quote forms can be a bit tiresome and repetitive. But it’s also necessary to do this in order to get lower prices.

Compare rates the easy way

The smarter way to find better insurance coverage pricing requires only one form to obtain quotes from multiple companies. The form is fast, eliminates form submissions, and makes online quotes a lot less work. After sending your information, your coverage is rated with multiple companies and you can pick any of the price quotes you receive. If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process only takes a few minutes and may result in a nice savings.

To save time and use this form to compare rates, click here to open in a new tab and input your coverage information. To compare your current rates, we recommend you type in exactly as they are listed on your policy. This makes sure you will have comparison quotes for the exact same coverage.

Does car insurance advertising bend the truth?

Consumers can’t escape the ads for the lowest price car insurance by Geico, State Farm and Progressive. All the companies try to convey promises that you can save if you just switch your coverage.

How is it plausible that every one can have lower policy pricing? Here is the trick they use.

Insurance companies look for specific characteristics for the right customer they prefer to insure. One example of a preferred risk could possibly be married and over the age of 30, has a low-risk occupation, and drives a safe vehicle. Any driver that hits that “sweet spot” may get the lowest rates and have a good chance to cut their rates if they switch.

Insureds who are not a match for this stringent profile will probably be forced to pay higher premium rates with the end result being business not being written. If you pay attention, the ads say “drivers who switch” not “all people who quote” save the amount stated. That’s why companies can truthfully advertise the savings. Different companies use different criteria so drivers should compare many company’s premium rates. It is just not possible to predict which car insurance company will give you lower auto insurance rates than your current company.

Don’t overlook these auto insurance discounts

Buying auto insurance is not cheap, but there could be significant discounts that could help you make your next renewal payment. Some trigger automatically when you get a quote, but some discounts are required to be asked about before you will receive the discount. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

• Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease for CL-Class coverage with select insurance companies.
• Claim Free – Drivers with accident-free driving histories pay much less as compared to drivers who are more careless.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Driver Training Discounts – Taking part in a course teaching defensive driver skills can save you 5% or more and easily recoup the cost of the course.
• Bundled Policy Discount – If you can combine your homeowners and auto policy and insure them both with the same insurance company you could get a discount of as much as 10 to 15 percent.
• Full Payment Discount – By making one initial payment instead of paying each month you could save up to 5%.
• Onboard Data Collection – Drivers who elect to allow data collection to spy on driving patterns through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.

One thing to note about discounts is that most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, it’s just not the way it works.

The best auto insurance companies and a summarized list of policyholder discounts are detailed below.

• Geico may offer discounts for multi-vehicle, anti-theft, emergency military deployment, driver training, membership and employees, good student, and military active duty.
• Mercury Insurance discounts include professional/association, low natural disaster claims, anti-theft, ease of repair, and good driver.
• Farmers Insurance policyholders can earn discounts including business and professional, multi-car, youthful driver, teen driver, electronic funds transfer, mature driver, and alternative fuel.
• Auto-Owners Insurance includes discounts for anti-theft, safe driver, company car, anti-lock brakes, paid in full, group or association, and student away at school.
• Liberty Mutual has discounts for newly retired, good student, new vehicle discount, multi-policy, multi-car, and safety features.
• SAFECO offers discounts for teen safety rewards, accident prevention training, bundle discounts, anti-theft, anti-lock brakes, and teen safe driver.
• Progressive offers premium reductions for good student, continuous coverage, multi-policy, multi-vehicle, online quote discount, and online signing.
• USAA offers discounts including driver training, new vehicle, family discount, annual mileage, safe driver, defensive driver, and loyalty savings.

Check with each company or agent which discounts you may be entitled to. Discounts might not be available to policyholders everywhere. To find companies who offer auto insurance discounts, click here.

When to get professional advice

When it comes to choosing the best insurance coverage coverage, there really is no one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

• What vehicles should carry emergency assistance coverage?
• Can my teen drive my company car?
• Should I waive the damage coverage when renting a car?
• At what point should I drop full coverage?
• Can I pay claims out-of-pocket if I buy high deductibles?
• Does my policy cover me when driving someone else’s vehicle?
• Does insurance cover tools stolen from my truck?
• What is the rate difference between pleasure use and commuting?
• Why do I only qualify for high-risk insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

Car insurance coverage breakdown

Understanding the coverages of car insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverages found on most car insurance policies.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a broken windshield, hitting a bird, damage from a tornado or hurricane, rock chips in glass and hail damage. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Mercedes-Benz CL-Class.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for medical payments

Med pay and PIP coverage kick in for bills for hospital visits, EMT expenses and nursing services. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverage

This coverage will cover damage that occurs to other’s property or people that is your fault. It protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like loss of income, pain and suffering, structural damage, attorney fees and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision insurance

Collision insurance will pay to fix damage to your CL-Class 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 protects against claims such as hitting a parking meter, driving through your garage door, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also bump up the deductible to bring the cost down.

Spend less. Save more.

In this article, we covered many ways to shop for 2014 Mercedes-Benz CL-Class insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper auto insurance. Consumers may even find the best prices are with a company that doesn’t do a lot of advertising. These smaller insurers may cover specific market segments cheaper compared to the large companies like Geico and State Farm.

As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured dropped uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find at the best price.

More information is located on the following sites:

• What to do at the Scene of an Accident (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)