2017 Mercedes-Benz CLA-Class Car Insurance Quotes – 6 Tips for Cheapest Rates

Drivers have lots of choices when trying to find the best price on Mercedes-Benz CLA-Class insurance. They can either waste time driving around trying to get quotes or save time using the internet to make rate comparisons. There is a right way and a wrong way to find insurance coverage online and you need to know the absolute fastest way to get price quotes for a new or used Mercedes-Benz and locate the best price possible.

You need to do price comparisons quite often because rates are usually higher with each renewal. Just because you found the best deal on CLA-Class insurance at your last renewal you can probably find a lower rate today. Forget all the misinformation about insurance coverage because I’m going to teach you the right way to save on insurance coverage.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these methods. Drivers only need to know the most effective way to find the lowest price online.

Find hidden discounts to get affordable insurance coverage quotes

Some companies don’t list every discount very well, so the list below contains some of the more common and also the more inconspicuous credits available to bring down your rates.

• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them take driver’s ed class if it’s offered in school.
• Telematics Discount – Drivers who agree to allow data collection to spy on when and where they use their vehicle by installing a telematics device like Allstate’s Drivewise could save a few bucks if they have good driving habits.
• Early Renewal Discounts – A few larger companies allow discounts for switching policies before your current policy expires. It’s a savings of about 10%.
• More Vehicles More Savings – Buying a policy with multiple cars on one policy could earn a price break for each car.
• Save over 55 – Older drivers may qualify for better insurance coverage rates on CLA-Class insurance.
• Good Student Discount – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.

Remember that most discounts do not apply to the entire policy premium. Most cut the cost of specific coverages such as collision or personal injury protection. Despite the fact that it seems like it’s possible to get free car insurance, nobody gets a free ride. Any amount of discount will lower the cost of coverage.

Insurance companies that may offer most of the discounts above are:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When getting free insurance coverage quotes, it’s a good idea to every insurance company the best way to save money. Discounts may not be available in your area. To view companies who offer cheap insurance coverage quotes, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage, there really is no perfect coverage plan. Every insured’s situation is different.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

• What is an SR-22 filing?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered by my spouse’s policy after a separation?
• Does my policy pay for OEM or aftermarket parts?
• Can my teen drive my company car?
• Does insurance cover damages from a DUI accident?
• Are rock chip repairs covered?
• Can I get a multi-policy discount?
• Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance in the media

Consumers can’t avoid all the ads that claim the best auto insurance rates from companies such as State Farm and Allstate. All the ads make an identical promise about savings if you move your coverage to them.

It sounds good, but how can they all charge you less for auto insurance?

Companies have specific characteristics for the type of insured that is profitable for them. For instance, this type of risk profile might have to be a married female, has no tickets, and the vehicle is rated for pleasure use. Any driver who fits those characteristics will get very good auto insurance rates as well as save if they switch.

Drivers who are not a match for these stringent criteria will have to pay higher premiums and the customer not purchasing. If you listen to the ad wording, they say “people who switch” not “everybody who quotes” save that kind of money. That’s the way companies can make those claims. Because of the profiling, you absolutely need to get as many free insurance coverage quotes as possible. It is just not possible to predict with any certainty which company will have better auto insurance rates than you’re paying now.

Auto insurance coverage information

Understanding the coverages of your insurance policy helps when choosing appropriate coverage and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CLA-Class.

Since many 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.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, theft, rock chips in glass and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage

Collision insurance covers damage to your CLA-Class resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like backing into a parked car, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for expenses for ambulance fees, chiropractic care, dental work, funeral costs and EMT expenses. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability

This can cover damage or injury you incur to other people or property by causing an accident. It protects YOU against claims from other people. It does not 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 limits of 25/50/25 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as emergency aid, repair bills for other people’s vehicles and legal defense fees. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Affordable insurance is out there

In this article, we presented quite a bit of information on how to save on 2017 Mercedes-Benz CLA-Class insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the best price on insurance is with an unexpected company.

Cheaper 2017 Mercedes-Benz CLA-Class insurance can be found both online and from local insurance agents, so get free insurance coverage quotes from both of them to get a complete price analysis. Some insurance companies may not have the ability to get a quote online and most of the time these smaller companies work with independent agents.

Consumers switch companies for a variety of reasons including high prices, questionable increases in premium, an unsatisfactory settlement offer or unfair underwriting practices. It doesn’t matter what your reason, switching companies can be pretty painless.

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

• State Car Insurance Guides (Geico)
• Red Light Cameras (State Farm)
• How to Avoid Common Accidents (State Farm)
• Anti-Lock Brake FAQ (iihs.org)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)