Lower Your 2014 Mercedes-Benz CLA-Class Insurance Quotes

Trying to find cheaper insurance coverage rates for your Mercedes-Benz CLA-Class? Searching for cheaper insurance for a new or used Mercedes-Benz CLA-Class could be difficult, but you can learn the following methods to save time. There are both good and bad ways to compare insurance coverage rates so we’re going to tell you the best way to quote coverages on a Mercedes-Benz and locate the lowest price either online or from local insurance agents.

The fastest way that we advise to compare insurance rates from multiple companies is to know the trick most of the larger companies participate in a system to give rate comparisons. To get started, all you need to do is give them rating details including which vehicles you own, whether you drive to work or school, how much school you completed, and whether you are married. The data is then sent to multiple car insurance providers and they return rate quotes quickly.

To find lower rates now, click here and complete the form.

Don’t miss these money-saving discounts

Buying insurance is not cheap, but you might already qualify for some discounts that you may not even know about. Most are applied when you purchase, but once in a while a discount must be specifically requested before you get the savings. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Anti-lock Brake Discount – Cars and trucks with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• Save with a New Car – Buying a new car model can cost up to 25% less because newer vehicles are generally safer.
• Early Renewal Discounts – A few insurance companies allow discounts for switching to them prior to your current policy expiring. This discount can save up to 10%.
• Cautious Drivers – Safe drivers can save up to 40% or more on their insurance coverage quote for CLA-Class insurance than drivers with accident claims.
• Discount for Low Mileage – Maintaining low annual mileage could earn substantially lower prices.

Drivers should understand that some of the credits will not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, nobody gets a free ride.

Some companies who may offer many of the previously listed discounts include:

• State Farm
• Geico
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

When quoting, ask every company to apply every possible discount. A few discounts might not be available to policyholders in your state.

Lower insurance rates with these tips

Lots of things are used when you quote your car insurance policy. Some are obvious like an MVR report, although others are more obscure like your vehicle usage or how safe your car is.It’s important that you understand some of the things that go into determining your policy premiums. If you have some idea of what controls the rates you pay, this allows you to make good choices that could result in lower premium levels.

• Younger vs. experienced drivers – Older drivers are proven to be safer behind the wheel, tend to cause fewer accidents , and are generally more financially stable.Youthful drivers are statistically shown to be less responsible when driving so they pay higher car insurance rates.
• More miles equals more premium – Driving more miles annually the higher your rate. Many insurance companies price each vehicle’s coverage partially by how you use the vehicle. Cars and trucks that are left in the garage cost less to insure than vehicles that are driven to work every day. Having an incorrect usage rating on your CLA-Class may be wasting your money. Ask your agent if your car insurance policy properly reflects the correct usage for each vehicle, because it can save money.
• If you don’t need it don’t buy it – There are a lot of additional coverages that may not really be needed if you aren’t diligent. Coverages like vanishing deductibles, death and dismemberment, and extra equipment coverage are some examples. These coverages may sound good when buying your policy, but if you have no use for them get rid of them and save.
• Discounts for auto and home policies – The majority of insurance companies apply a discount to clients who consolidate policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s always a smart idea to compare rates to help ensure you have the lowest rates.
• Avoid tickets and save – Whether or not you get tickets has a huge affect on how much you pay. Careful drivers tend to pay less for car insurance compared to bad drivers. Even one speeding ticket could increase your next policy renewal by as much as twenty percent. Drivers unfortunate enough to have serious violations like DUI, reckless driving or excessive speeding may find they need to submit a SR-22 or proof of financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
• Save money by having high credit – Having a good credit score can be a huge factor in calculating your car insurance rates. People with excellent credit tend to be more responsible and file fewer claims than drivers who have poor credit. If your credit score is lower than you’d like, you could potentially save money when insuring your 2014 Mercedes-Benz CLA-Class by taking the time to improve your credit score.

Do I need special coverages?

When buying proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can help discover if your insurance needs might need an agent’s assistance.

• Does my 2014 Mercedes-Benz CLA-Class need full coverage?
• How can I get high-risk coverage after a DUI?
• Do I pay less if my vehicle is kept in my garage?
• I have health insurance so do I need medical payments coverage?
• Does coverage extend to Mexico or Canada?
• Can my babysitter drive my car?
• Who is covered by my policy?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance myths debunked

Consumers can’t ignore all the ads that claim the lowest prices by companies like Allstate, Geico and Progressive. They all seem to seem to make the promise of big savings just by moving to their company.

How can each company cost less than your current company?

Companies provide the lowest rates for a prospective insured that will add to their bottom line. An example of a profitable insured could be over age 30, insures multiple vehicles, and drives less than 7,500 miles a year. Anyone that meets those criteria may get the lowest car insurance rates and as a result will probably save when they switch companies.

Drivers who don’t qualify for these standards will see more expensive rates and the customer buying from a different company. If you pay attention, the ads say “people that switch” not “all people who quote” save the amount stated. That is how companies can truthfully make those claims. That is why you should get price quotes at each policy renewal. Because you never know which company will fit your personal profile best.

Auto insurance coverages and their meanings

Having a good grasp of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Collision – This coverage covers damage to your CLA-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like crashing into a ditch, sustaining damage from a pot hole, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage kick in for immediate expenses for hospital visits, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive auto insurance – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, fire damage, theft, hitting a bird and damage from a tornado or hurricane. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Mercedes-Benz CLA-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Liability insurance – This coverage protects you from damage or injury you incur to other people or property. It protects you from legal claims by others. It does not 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. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses and emergency aid. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Save your hard earned cash

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. There are a lot of situations where an insured dropped collision coverage and found out when filing a claim that they should have had better coverage. The goal is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.

Drivers leave their current company for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, lack of trust in their agent or being labeled a high risk driver. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

Throughout this article, we presented a lot of information how to lower your 2014 Mercedes-Benz CLA-Class insurance premium rates. The most important thing to understand is the more rate comparisons you have, the higher your chance of finding affordable insurance coverage. You may even discover the most savings is with an unexpected company.

More tips and info about auto insurance can be found at these sites:

• Neck Injury FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)