How Much Does 2016 Mercedes-Benz CLA-Class Insurance Cost?

Trying to find the cheapest insurance coverage rates for your Mercedes-Benz CLA-Class? Searching for the cheapest insurance for your Mercedes-Benz CLA-Class can be a painful process, but you can learn a few tricks to make it easier.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the proper way to price shop coverage for a new or used Mercedes-Benz and find the lowest possible price from both online companies and local agents.

You should make it a habit to do rate comparisons on a regular basis because prices go up and down regularly. Even if you got the best price for CLA-Class insurance two years ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to find out the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

If you have insurance now or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Locating the best insurance is not that difficult. Consumers just need to learn the best way to compare rates online.

The Mercedes-Benz CLA-Class insurance premium equation

The best way to find cheaper car insurance is to take a look at the different types of things that are used to determine the level of your policy premiums. When you understand what determines base rates, this allows you to make educated decisions that can earn you lower rates.

The list below includes some of the most rate-impacting factors used by companies to determine your rate level.

• Save money by staying claim free – Car insurance companies generally give the lowest premiums to drivers who are claim-free. If you file a lot of claims you can pretty much guarantee higher rates. Insurance coverage is intended for claims that you cannot pay yourself.
• Drive fewer miles and save – The more miles you rack up on your Mercedes-Benz in a year’s time the more you will pay for car insurance. Most companies price each vehicle’s coverage based upon how the vehicle is primarily used. Autos that do not get driven very much can get a lower rate than vehicles that have high annual mileage. Make sure your vehicle rating correctly shows the correct usage for each vehicle. An incorrectly rated CLA-Class can cost quite a bit.
• Discounts for married drivers – Having a significant other may earn you lower rates when buying car insurance. Marriage demonstrates that you tend to be more mature than a single person it has been statistically shown that married drivers get in fewer accidents.
• Older drivers save more – Youthful drivers are statistically shown to be easily distracted when driving so they pay higher car insurance rates. More mature drivers are proven to be safer behind the wheel, cause fewer claims and accidents and get fewer tickets.
• Higher car insurance rates for specific employers – Careers such as doctors, executives and emergency personnel tend to have the highest average rates due to intense work situations and long work days. Other careers such as scientists, engineers and homemakers pay the least for CLA-Class insurance.
• Costs can change based on your address – Residing in a rural area can be a good thing when it comes to car insurance. Drivers in populated areas tend to have more auto accidents and more severe claims. Fewer drivers corresponds to lower accident rates in addition to lower liability claims
• GPS tracking and theft deterrents systems cut prices – Choosing to buy a car with anti-theft technology or alarm system can save you a little every year. Theft prevention devices such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can thwart your car from being stolen.

How much is insurance coverage?

Many insurance companies like State Farm, Allstate and Geico provide prices for coverage on the web. Getting online rates is fairly straightforward because it’s just a matter of typing in the coverages you want as requested by the quote form. Once entered, the quote system makes automated requests for your driving record and credit report and returns pricing information based on these and other factors.

Being able to quote online makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively type in the same information is a big time waster. But it’s also necessary to compare as many rates as possible in order to find the best price on insurance coverage.

There is an easier way!

The quickest way to locate the lowest prices uses just one form to get prices from a lot of companies. The form is fast, helps eliminate reptitive entry, and makes online quotes much easier to do. After sending your information, your coverage is rated and you can choose any one of the pricing results.

If you find a better price you can simply submit the application and buy the policy. It only takes a few minutes and you will know how your current rates stack up.

To compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. If you currently have coverage, we recommend you complete the form with the coverage information identical to your current policy. Doing this guarantees you will have a price comparison based on similar coverages.

Do drivers who switch really save?

Consumers can’t escape the ads for the lowest price insurance coverage from the likes of State Farm, Allstate and Geico. They all convey the message that drivers can save some big amount if you move your policy.

How can each company save you money?

Insurance providers provide the lowest rates for the type of customer that will be a good risk. An example of a profitable customer could be over the age of 50, owns their home, and has great credit. Any person who fits that profile will qualify for the lowest rates as well as cut their rates if they switch.

People who don’t measure up to the “perfect” profile will be charged a more expensive rate which translates to business not being written. The ads say “drivers that switch” not “everyone that quotes” can save as much as they claim. That’s the way insurance companies can lure you into getting a quote.

This really illustrates why it is so important to get as many free insurance quotes as possible. It’s just not possible to know which insurance coverage company will fit you best based on your risk profile.

Lower rates by qualifying for discounts

Insurance can cost an arm and a leg, but you may find discounts that can help lower your rates. Some trigger automatically at the time of quoting, but some need to be asked about before being credited.

• Organization Discounts – Being in qualifying employment or professional organizations can get you a small discount on your policy.
• Driver Education Discount – Teen drivers should complete a driver education course as it will make them better drivers and lower rates.
• Discount for Good Grades – Getting good grades can save 20 to 25%. The discount lasts up until you turn 25.
• Telematics Data Discounts – Drivers who elect to allow driving data submission to study vehicle usage by installing a telematics device such as State Farm’s In-Drive could save a few bucks if they show good driving skills.
• College Student Discount – Youth drivers who are attending college and leave their car at home may qualify for this discount.
• Low Mileage Discounts – Low annual miles could qualify for substantially lower rates.
• Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks shop insurance digitally online.
• Sign Early and Save – Some insurance coverage companies provide a discount for buying a new policy before your current policy expires. It’s a savings of about 10%.
• Homeowners Pay Less – Simply owning a home can save a few bucks because of the fact that having a home requires personal responsibility.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, it just doesn’t work that way. Any amount of discount will help lower your premiums.

A partial list of companies that have some of the above discounts include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Before purchasing a policy, check with every company which discounts you qualify for. A few discounts may not be offered in your area.

Car insurance is unique, just like you

When it comes to buying coverage for your vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

These are some specific questions can aid in determining whether or not you would benefit from an agent’s advice.

• What is roadside assistance coverage?
• Does my policy cover my teen driver if they drive my company car?
• Does my policy cover me when driving someone else’s vehicle?
• Is business equipment covered while in my vehicle?
• What companies insure drivers after a DUI or DWI?
• How much can I save by bundling my policies?
• Will filing a claim cost me more?
• What is the minimum liability in my state?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, free and can help protect your family.

Coverage specifics

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz CLA-Class.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, theft, rock chips in glass and hail damage. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability auto insurance – Liability insurance provides protection from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as medical expenses, emergency aid and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical expense insurance – Coverage for medical payments and/or PIP pay for immediate expenses for things like rehabilitation expenses, pain medications, EMT expenses, doctor visits and dental work. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Collision coverage – Collision coverage will pay to fix damage to your CLA-Class caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like damaging your car on a curb, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.

More comparisons equals lower rates

As you restructure your insurance plan, you should never buy poor coverage just to save money. In many cases, an insured dropped full coverage to discover at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find at the best cost, but don’t skip important coverages to save money.

Insureds leave their current company for a number of reasons such as questionable increases in premium, high prices, denial of a claim and even policy non-renewal. It doesn’t matter why you want to switch finding the right insurance provider can be pretty painless.

We covered a lot of information how to reduce 2016 Mercedes-Benz CLA-Class insurance car insurance rates online. The key thing to remember is the more you quote insurance, the better chance you’ll have of finding inexpensive insurance. Consumers may even find the best price on insurance is with a small mutual company.

To learn more, take a look at the following helpful articles:

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Speed and Speed Limit FAQ (iihs.org)
• Anti-Lock Brake FAQ (iihs.org)
• Get the Right Protection (InsureUonline.org)