Save on 2015 Mercedes-Benz CLS-Class Insurance Quotes

Looking for lower auto insurance rates for your Mercedes-Benz CLS-Class? Are you confused by the crazy number of auto insurance choices? Lot’s of other people are too. There are such a vast assortment of choices available that it can quickly become a lot of work to locate the lowest premium rates.

Insurance rates and discounts

Some providers do not list all possible discounts in an easy-to-find place, so the next list breaks down some of the more common and the more hidden insurance savings.

• New Vehicle Savings – Insuring a new car can get you a discount due to better safety requirements for newer vehicles.
• Low Mileage Discounts – Keeping the miles down on your Mercedes-Benz may allow you to get slightly better premium rates than normal.
• No Charge for an Accident – but a handful of insurance companies will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims prior to being involved in the accident.
• Student Discount for Driver Training – Teen drivers should enroll in driver’s education as it can save substantially.
• Accident Free – Drivers with accident-free driving histories can earn big discounts as opposed to accident-prone drivers.
• Own a Home and Save – Being a homeowner can save you money since home ownership is proof that your finances are in order.
• Discounts for Multiple Vehicles – Purchasing coverage when you have all your vehicles on a single policy can get a discount on all vehicles.
• Passive Restraints – Cars that have air bags may earn rate discounts of up to 25% or more.

It’s important to note that many deductions do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though the math looks like all the discounts add up to a free policy, you won’t be that lucky.

Large insurance companies and the discounts they provide are:

• Esurance has savings for online quote, online shopper, Switch & Save, anti-theft, multi-policy, anti-lock brakes, and renters.
• The Hartford may offer discounts for good student, vehicle fuel type, bundle, air bag, and driver training.
• AAA has discounts for pay-in-full, good driver, good student, anti-theft, AAA membership discount, multi-car, and multi-policy.
• Geico policyholders can earn discounts including air bags, membership and employees, good student, seat belt use, and daytime running lights.
• State Farm includes discounts for good student, passive restraint, safe vehicle, good driver, Drive Safe & Save, driver’s education, and accident-free.

If you want inexpensive insurance quotes, ask each company or agent how you can save money. Depending on the company, some discounts might not apply in your area. To see companies with significant discounts, click this link.

Situations that may require an agent’s advice

When it comes to buying coverage, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you would benefit from professional advice.

• Is my vehicle covered by my employer’s policy when using it for work?
• Is a new car covered when I drive it off the dealer lot?
• Can I rate high risk drivers on liability-only vehicles?
• Does my car insurance cover rental cars?
• What vehicles should carry emergency assistance coverage?
• Why am I required to get a high-risk car insurance policy?
• Does my 2015 Mercedes-Benz CLS-Class qualify for pleasure use?
• Will filing a claim cost me more?
• Does liability extend to a camper or trailer?
• Am I covered if I crash into my own garage door?

If you’re not sure about those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form.

Auto insurance savings promises

Companies like Progressive, Allstate and Geico continually stream television, radio, and online ads. All the ads seem to make the promise that drivers will save a bundle just by switching your policy. That’s great but how can every company offer drivers better rates?

Different companies look for specific characteristics for the type of driver that earns them the highest profit. For example, this type of risk profile may need to be between 25 and 40, has no claims, and drives a car with an anti-theft system. Any new insured that hits that “sweet spot” gets the lowest prices and will probably save money with a new company.

People who don’t meet this stringent profile may be forced to pay higher premium rates and business going elsewhere. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” can save as much as they claim. That’s why companies can make the claims of big savings. Because each company has a different risk profile, drivers should get a wide range of price quotes. It’s just not possible to know which auto insurance company will be your best fit.

Auto insurance coverage options for a Mercedes-Benz CLS-Class

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your 2015 Mercedes-Benz CLS-Class.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Insurance for medical payments – Med pay and PIP coverage provide coverage for expenses for things like EMT expenses, surgery, rehabilitation expenses and prosthetic devices. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, hitting a deer and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision – This pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, crashing into a ditch and scraping a guard rail. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for liability – Liability coverage will cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like funeral expenses, medical expenses, attorney fees and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Be Smart and Buy Smart

We’ve covered a lot of tips how to reduce 2015 Mercedes-Benz CLS-Class insurance rates online. The key concept to understand is the more companies you get car insurance rates for, the higher your chance of finding low cost insurance. You may even discover the best rates are with some of the smallest insurance companies.

Cost effective 2015 Mercedes-Benz CLS-Class insurance is possible on the web and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some insurance companies don’t offer rates over the internet and these smaller companies only sell coverage through independent insurance agents.

Drivers change insurance companies for a variety of reasons including policy cancellation, lack of trust in their agent, high prices or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch switching auto insurance companies is not as hard as you think.

More tips and info about auto insurance can be found in the articles below:

• How to Avoid Staged Accidents (State Farm)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Cellphones, Texting and Driving (iihs.org)
• Side Impact Crash Tests (iihs.org)