2014 Mercedes-Benz CLS-Class Car Insurance Quotes

Trying to find lower insurance rates for your Mercedes-Benz CLS-Class? Searching for low-cost insurance for a Mercedes-Benz CLS-Class can turn out to be difficult, but you can learn the following methods to make it easier.

There are more efficient ways to compare insurance rates so we’re going to tell you the best way to compare rates on a Mercedes-Benz and get the lowest possible price from both online companies and local agents.

Pricing the best auto insurance coverage is not that difficult. If you have a current auto insurance policy or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Consumers just need to learn the proper way to find the lowest price over the internet.

Car insurance quotes and discounts

Companies that sell car insurance do not advertise all possible discounts in an easy-to-find place, so we researched both well-publicized and the more hidden credits available to bring down your rates.

  • Claim-Free Discount – Insureds who avoid accidents and claims have much lower rates in comparison to drivers with a long claim history.
  • Multi-line Discount – Some companies give lower premium rates if you buy some life insurance too.
  • Professional Organizations – Belonging to qualifying clubs or civic groups may earn a discount on car insurance.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Multi-policy Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Payment Method – If you pay your entire premium ahead of time instead of making monthly payments you could save 5% or more.
  • Government Employees – Active or retired federal employment could provide a small rate reduction on CLS-Class coverage with some car insurance companies.
  • Save with a New Car – Putting insurance coverage on a new car can get you a discount compared to insuring an older model.
  • Low Mileage – Low mileage vehicles could earn substantially lower prices.
  • Renewal Discounts – A few companies offer discounts for switching companies before your current coverage expires. This can save 10% or more.

Consumers should know that most discounts do not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you aren’t that lucky.

A few of the larger companies and some of the premium reductions they offer can be read below.

  • State Farm offers discounts including student away at school, accident-free, multiple policy, passive restraint, and safe vehicle.
  • Esurance may offer discounts for multi-car, anti-lock brakes, online shopper, good driver, claim free, paid-in-full, and Pac-12 alumni.
  • Progressive may have discounts that include homeowner, multi-vehicle, multi-policy, online signing, online quote discount, good student, and continuous coverage.
  • Liberty Mutual discounts include multi-policy, hybrid vehicle, new graduate, newly retired, safety features, and new vehicle discount.
  • Auto-Owners Insurance offers discounts for teen driver, anti-theft, safe vehicle, company car, paid in full, air bags, and multiple vehicles.
  • Geico may include discounts for federal employee, multi-policy, seat belt use, multi-vehicle, and good student.

If you want the cheapest car insurance quotes, ask each company or agent what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in every state. To view insurers who offer discounts, click here to view.

Buy auto insurance online

Effectively comparing auto insurance prices can be challenging if you aren’t aware of the fastest way to get free quotes. You could waste time discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to maximize your effort.

Most of the larger companies belong to a marketplace where insurance shoppers send in one quote, and at least one company then returns a price quote determined by their information. This saves time by eliminating repetitive form submissions to each individual auto insurance company. To find out how much you can save on auto insurance click here to start a free quote.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers you will receive quotes from. If you prefer to choose individual companies to compare, we have a listing of auto insurance companies in your area. Click here to view list.

Whichever method you choose, do your best to use exactly the same information on every quote you get. If you compare unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best.

Situations that may require an agent’s advice

When choosing the right insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether you would benefit from professional advice.

  • Why am I required to buy high-risk coverage?
  • Are rock chip repairs covered?
  • How much liability do I need to cover my assets?
  • Is my cargo covered for damage or theft?
  • Am I covered when driving a rental car?
  • What if I owe more than I can insure my car for?
  • What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and can help protect your family.

The coverage is in the details

Having a good grasp of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and nobody wants to actually read their policy.

Coverage for collisions

Collision coverage pays for damage to your CLS-Class resulting 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 claims such as rolling your car, hitting a mailbox, colliding with another moving vehicle and backing into a parked car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

This coverage will cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like bail bonds, medical expenses, loss of income, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, vandalism and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries to you and your family and also any damage incurred to your Mercedes-Benz CLS-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses like hospital visits, dental work and funeral costs. They are used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Make a quick buck

Drivers switch companies for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, being labeled a high risk driver and delays in paying claims. No matter why you want to switch, choosing a new company can be easy and end up saving you some money.

Discount 2014 Mercedes-Benz CLS-Class insurance is attainable online and from local agencies, and you should compare rates from both to get a complete price analysis. Some insurance companies don’t offer price quotes online and most of the time these small, regional companies only sell coverage through independent agents.

In this article, we covered many tips how you can get a better price on 2014 Mercedes-Benz CLS-Class insurance. The key thing to remember is the more quotes you get, the better likelihood of getting the cheapest car insurance. You may even find the lowest priced car insurance comes from the smaller companies.

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Comments About 2014 Mercedes-Benz CLS-Class Insurance

  1. Judi Galloway

    I’m just north of New York City, NY. Got car insurance prices from State Farm, AAA, and some I forget for my 2014 Mercedes-Benz CLS-Class and I think I cut my rates about $30 each month. Insured with Safeco before. Highly recommended.

  2. Bud David

    Does 21st Century prorate premiums at cancellation?

  3. James Montgomery

    I chose to switch to Progressive from Amica. I live in Honolulu, HI. Wish I didn’t have to insure at all.