2018 Mercedes-Benz CLS-Class Insurance Quotes

Looking for lower insurance rates for your Mercedes-Benz CLS-Class? If you’re searching for lower-priced insurance online, are you frustrated by the wide range of insurance companies? Many other people are too. Drivers have so many companies available that it can easily become more work than you anticipated to find lower premium rates.

The best way we recommend to compare rates is to know the trick all the major auto insurance companies allow for online access to give you rate quotes. The one thing you need to do is take a few minutes to give details including if it has an anti-theft system, if you require a SR-22, what you do for a living, and if the vehicle is leased. That rating information is sent automatically to insurance carriers in your area and you get price estimates almost instantly.

Advertising myths

Auto insurance companies such as Progressive, Allstate and GEICO endlessly run television, radio, and online ads. They all seem to say the same thing about how much you will save after switching your coverage. Is it even possible that every company can make the same claim? Here is how they do it.

Companies have a preferred profile for the right customer that makes them money. A good example of this type of insured could be over the age of 45, has no driving citations, and chooses high deductibles. A customer getting a price quote that meets those criteria receive the lowest rate quotes and will most likely pay quite a bit less when switching companies.

Consumers who are not a match for these standards will see higher prices which leads to the customer not buying. The ads say “people that switch” not “everyone who quotes” save that much. This is how insurance companies can confidently make those claims. Because of the profiling, you really should compare free insurance quotes often. Because you never know which insurance companies will fit you best based on your risk profile.

Seven things that affect your insurance rates

Part of the insurance coverage buying process is learning a few of the rating criteria that help calculate the level of your policy premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that can earn you big savings.

Listed below are some of the factors insurance coverage companies consider when setting your premiums.

  • High deductibles cost less – Protection for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your vehicle. Some instances where coverage would apply are a broken windshield, collision with an animal, or theft. Deductibles for physical damage state the amount of money you are required to spend out-of-pocket if a claim is determined to be covered. The more of the claim you’re willing to pay, the less your company will charge you for insurance for CLS-Class coverage.
  • Insurance coverage policy lapses lead to higher rates – Driving any period of time without insurance is a misdemeanor and your next policy will cost more because you let your coverage have a gap. Not only will rates go up, failure to provide proof of insurance might get you fines and jail time. You may then be required to submit proof of financial responsibility or a SR-22 with your state DMV.
  • Females tend to cost less – The statistics show women tend to be less risk to insure than men. The data does not necessarily mean that males are worse at driving than females. Males and females cause fender benders in similar percentages, but men cause more damage. Not only are claims higher, but men get higher numbers of serious violations like DWI (DUI) or reckless driving. Males from age 16 to 21 cause the most accidents and therefore pay the highest rates.
  • Prices may be lower depending on your employer – Did you know your job can affect your rates? Occupations such as military personnel, executives and miners tend to have higher rates than the rest of us because of high stress levels and lots of time spent at work. Other jobs such as farmers, athletes and homemakers get better rates for CLS-Class coverage.
  • Being married can lower premiums – Getting married actually saves money on insurance coverage. Having a significant other translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Experienced drivers pay less – Mature drivers are more cautious drivers, statistically cause fewer accidents , and are generally more financially stable.Beginning drivers have a tendency to be easily distracted when driving with friends therefore insurance coverage rates are much higher.
  • How much liability – Liability insurance will provide protection in the event that you are found to be at fault for damages caused by your negligence. Your policy’s liability insurance provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should buy more than the minimum limits required by law.

More discounts mean cheaper premiums

Companies offering auto insurance don’t always list the entire discount list in a way that’s easy to find, so we took the time to find both well-publicized and also the more inconspicuous discounts you could be receiving when you buy insurance online.

  • Federal Employees – Having worked for a branch of the government could qualify for a slight premium decrease for CLS-Class coverage but check with your company.
  • Good Student Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
  • Student in College – Kids who attend college more than 100 miles from home and do not take a car to college may qualify for this discount.
  • Discount for Home Ownership – Being a homeowner can save you money since owning and maintaining a home is proof of financial responsibility.
  • Anti-lock Brakes – Cars and trucks that have steering control and anti-lock brakes have fewer accidents so companies give up to a 10% discount.
  • Full Payment Discount – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Defensive Driver Discount – Successfully completing a safe driver course could possibly earn you a 5% discount and make you a better driver.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more for CLS-Class coverage compared to accident prone drivers.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like physical damage coverage or medical payments. So even though you would think you could get a free car insurance policy, companies wouldn’t make money that way.

The best car insurance companies and some of the premium reductions they offer are shown below.

  • State Farm has savings for passive restraint, defensive driving training, driver’s education, student away at school, and Drive Safe & Save.
  • Farmers Insurance may offer discounts for alternative fuel, business and professional, teen driver, early shopping, switch companies, and distant student.
  • Progressive may have discounts that include online signing, continuous coverage, online quote discount, multi-policy, good student, multi-vehicle, and homeowner.
  • GEICO discounts include air bags, federal employee, membership and employees, defensive driver, anti-theft, and military active duty.
  • Auto-Owners Insurance offers discounts including air bags, multi-policy, good student, safe vehicle, safe driver, mature driver, and paperless.
  • The Hartford has discounts for bundle, defensive driver, vehicle fuel type, air bag, anti-theft, and good student.
  • Farm Bureau may include discounts for multi-vehicle, multi-policy, driver training, good student, and safe driver.
  • USAA includes discounts for annual mileage, safe driver, good student, vehicle storage, defensive driver, and driver training.

Check with each company or agent how many discounts you can get. Some of the discounts discussed earlier may not be offered in your area. If you would like to see a list of insurance companies with discount car insurance rates, click this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Each situation is unique.

These are some specific questions may help you determine if your situation may require specific advice.

  • Do I need motorclub coverage?
  • What is no-fault insurance?
  • Are rock chip repairs covered?
  • What happens if I owe more than my 2018 Mercedes-Benz CLS-Class is worth?
  • Am I covered if I wreck a rental car?
  • Can I rent a car in Mexico?
  • Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form.

Auto insurance coverages

Learning about specific coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your 2018 Mercedes-Benz CLS-Class.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Coverage for liability

This provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for claims like repair costs for stationary objects, medical services, legal defense fees and medical expenses. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Collision protection

Collision insurance will pay to fix damage to your CLS-Class resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like rolling your car, colliding with a tree and backing into a parked car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive car insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. 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 falling objects, hitting a bird, a tree branch falling on your vehicle and hitting a deer. The maximum amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses such as doctor visits, rehabilitation expenses, dental work and prosthetic devices. They can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and may carry a deductible

The bottom line

Some companies may not have rate quotes online smaller providers only sell through independent insurance agents. Budget-friendly insurance is definitely available both online in addition to local insurance agencies, so you should compare both to get a complete price analysis.

You just read some good ideas how to save on 2018 Mercedes-Benz CLS-Class insurance. The key thing to remember is the more times you quote, the higher your chance of finding low cost insurance. You may even find the lowest rates come from an unexpected company.

When searching for low cost insurance quotes, make sure you don’t reduce coverage to reduce premium. In many cases, an accident victim reduced comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to find the BEST coverage at a price you can afford, not the least amount of coverage.

Much more information about insurance is located at the links below

Comments About 2018 Mercedes-Benz CLS-Class Insurance

  1. Delphine Alvarado

    I’m in Lexington, KY. Quoted rates from Nationwide, Encompass, Progressive, and AAA for my CLS-Class and saved $133 a year. I increased coverages a little too.

  2. Tracee Turner

    Hope my rates come down. From northwest of Concord, NH. I got free rates from Western Auto Insurance, American Family, The General, and Nationwide for my CLS-Class and I’m now saving $53 a month. Even increased coverage a bit. I used their website to get prices.

  3. Raeann Carson

    Cheaper not always better. I live east of Rochester, NY. I got free quotes from Auto-Owners, Mercury, and some smaller one I can’t remember the name of for my Mercedes-Benz and I’m now saving $38 a month.

  4. Kyung Nixon

    Does State Farm offer new car replacement?

  5. Corie Sims

    Liked the article. Located in Lexington, KY. Got prices from AIG Insurance, Sentry, and USAA for my CLS-Class and saved $302 a year.