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

Trying to find the cheapest insurance for a Mercedes-Benz CLS-Class can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to compare insurance coverage rates and you need to know the quickest way to price shop coverage for a Mercedes-Benz and get the best price possible.

How to buy insurance coverage

Shopping for lower insurance coverage rates can take hours if you aren’t aware of the fastest way to get free quotes. You can waste a lot of time driving to agents in your area, or you could use online quotes for quick rates.

Many popular insurance companies take part in a program where insurance shoppers complete one form, and at least one company then returns a price quote determined by their information. This saves time by eliminating quotation requests to each individual insurance coverage company.

To compare rates using this form now click here to start a free quote.

The one downside to using this type of system is you cannot specify which companies you will receive quotes from. So if you prefer to pick specific providers to request quotes from, we have a page of low cost insurance coverage companies in your area. Click here for list of insurance companies.

The method you choose is up to you, but ensure you’re using equivalent coverages and limits on every price quote you get. If the quotes have different liability limits it will be nearly impossible to make a fair comparison for your Mercedes-Benz CLS-Class.

Get cheaper car insurance with discounts

Car insurance is expensive, but you may be missing some discounts that could drop your premiums quite a bit. Certain reductions will be credited when you complete an application, but less common discounts must be manually applied before being credited. If you do not double check each discount possible, you could be saving more on your car insurance.

• Driving Data Discount – People who choose to allow companies to track their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
• Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less on CLS-Class coverage as compared to drivers with claims.
• ABS and Traction Control Discounts – Cars with anti-lock braking systems have fewer accidents so companies give up to a 10% discount.
• Drivers Education – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
• Discounts for Government Workers – Active or former government employment may qualify for a discount when you quote insurance coverage on CLS-Class coverage depending on your company.
• Defensive Driving Course – Successfully completing a class that teaches defensive driving techniques could earn you a small percentage discount if your company offers it.

As a disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Most only cut individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, that’s just not realistic.

Large car insurance companies and a partial list of their discounts are outlined below.

• Geico may offer discounts for seat belt use, federal employee, military active duty, multi-policy, driver training, emergency military deployment, and anti-lock brakes.
• Travelers discounts include early quote, new car, payment discounts, multi-policy, IntelliDrive, and driver training.
• Nationwide offers premium reductions for good student, multi-policy, anti-theft, business or organization, Farm Bureau membership, and accident-free.
• Farmers Insurance may include discounts for good student, teen driver, business and professional, mature driver, multi-car, bundle discounts, and homeowner.
• Esurance includes discounts for defensive driver, Pac-12 alumni, good student, DriveSense, emergency road assistance, and online shopper.
• State Farm policyholders can earn discounts including good driver, Steer Clear safe driver discount, good student, Drive Safe & Save, passive restraint, anti-theft, and multiple policy.
• Progressive may have discounts that include multi-vehicle, good student, online signing, multi-policy, and continuous coverage.
• Mercury Insurance has discounts for ease of repair, anti-theft, multi-policy, location of vehicle, professional/association, and age of vehicle.

It’s a good idea to ask each insurance company how you can save money. Some credits might not be available to policyholders in your area.

Insurance rates are influenced by these factors

When buying auto insurance it’s important to understand the factors that play a part in calculating auto insurance rates. If you have a feel for what determines base rates, this allows you to make good choices that could help you find lower rates.

The itemized list below are some of the most rate-impacting factors used by insurance companies to determine your premiums.

• Adjust deductibles and save – Comp and collision deductibles state the amount of money the insured will be required to pay if the claim is covered. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some instances where coverage would apply would be collision with another vehicle, hail damage, or theft of your vehicle. The higher the amount you have to pay, the less your company will charge you for insurance on CLS-Class coverage.
• Small frequent claims are not good – Insurance companies generally give most affordable rates to insureds who are not frequent claim filers. If you are the type of insured that files lots of claims you can expect either higher rates or even cancellation. Insurance coverage is designed for more catestrophic claims.
• Reduce auto insurance rates by driving vehicles with better crash test results – Cars with high safety ratings tend to be cheaper to insure. Highly rated vehicles protect occupants better and any reduction in injury severity means your insurance company pays less and thus lower rates. If your Mercedes-Benz CLS-Class has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
• Know your credit rating – Credit rating can be a huge factor in calculating your auto insurance rates. People that have high credit scores tend to be less risk to insure than drivers with poor credit. If your credit score is low, you could be paying less to insure your 2016 Mercedes-Benz CLS-Class by improving your rating.

Tailor your insurance coverage to you

When it comes to choosing the right insurance coverage, there is no cookie cutter policy. Every insured’s situation is different.

For instance, these questions might help in determining whether or not you might need professional guidance.

• What happens if I owe more than my 2016 Mercedes-Benz CLS-Class is worth?
• Why do I need rental car insurance?
• Are split liability limits better than a combined single limit?
• Is my dog or cat covered if injured in an accident?
• How do I file an SR-22 for a DUI in my state?
• Where can I find high-risk insurance?
• Is my cargo covered for damage or theft?
• How much liability do I need to cover my assets?
• Who is covered when they drive my 2016 Mercedes-Benz CLS-Class?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance specifics

Knowing the specifics of insurance helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Liability car insurance

This coverage can cover damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as medical expenses, repair costs for stationary objects and court costs. How much liability should you purchase? That is up to you, but consider buying higher limits if possible.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your 2016 Mercedes-Benz CLS-Class.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses such as prosthetic devices, nursing services, doctor visits and EMT expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a deer and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Get your money’s worth

We just showed you quite a bit of information on how to shop for 2016 Mercedes-Benz CLS-Class insurance online. It’s most important to understand that the more rate comparisons you have, the better your comparison will be. Drivers may discover the lowest car insurance rates come from the smaller companies.

When buying insurance coverage, make sure you don’t reduce needed coverages to save money. In many instances, an insured cut full coverage and discovered at claim time that the small savings ended up costing them much more. The aim is to find the BEST coverage at an affordable rate, but don’t skip important coverages to save money.

Cheaper auto insurance is available both online and with local insurance agents, so get free insurance coverage quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide internet price quotes and these smaller companies only sell through local independent agents.

For more information, feel free to visit the articles below:

• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Child Safety FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Understanding Your Insurance Deductible (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)