Cheapest 1998 Mercedes-Benz CL-Class Insurance Rates in 2023
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UPDATED: Apr 6, 2020
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Searching for lower car insurance rates for your Mercedes-Benz CL-Class? Are you overwhelmed by the wide range of car insurance companies? Lot’s of other consumers are too. You have so many options available that it can easily become a ton of work to locate the lowest price.
It is always a good idea to price shop coverage on a regular basis due to the fact that insurance rates are constantly changing. Just because you had the lowest price on CL-Class coverage a couple years back you will most likely find a better rate today. Starting now, ignore everything you know about car insurance because it’s time to teach you how to quote online to properly buy coverages and cut your premium.
Mercedes-Benz CL-Class insurance rates consist of many parts
Smart consumers have a good feel for the factors that help determine the rates you pay for auto insurance. Understanding what controls the rates you pay enables informed choices that can help you get better auto insurance rates.
- Your car’s features help determine rates – Driving a car with a theft deterrent system can help bring down rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
- Teen drivers pay high rates – Teen drivers tend to get distracted easily when driving so auto insurance rates are higher. If you’ve ever had to add a young driver onto your auto insurance can break the bank. More mature drivers are more responsible, tend to file fewer claims and receive fewer citations.
- No coverage gaps is important – Driving with no insurance is illegal and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, but not being able to provide proof of insurance can result in a steep fine or even jail time.
- Rural vs Urban Areas – Living in less populated areas can save you money when insuring your vehicles. Fewer people means fewer accidents as well as less vandalism and auto theft. Urban drivers regularly have traffic congestion and a longer drive to work. Higher commute times translates into higher accident risk.
- Pleasure use or commuting – Driving more miles in a year the higher your rate. Most insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance coverage properly reflects the proper vehicle usage. If your policy improperly rates your CL-Class can result in significantly higher rates.
- Adjust deductibles and save – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your Mercedes-Benz. Some instances where coverage would apply are a windshield shattered by a rock, collision with an animal, and windstorm damage. Deductibles for physical damage are how much you are willing to pay out-of-pocket in the event of a claim. The more you are required to pay out-of-pocket, the lower your rates will be on CL-Class coverage.
- Liability insurance protects assets – Liability insurance is the coverage that protects you if ever a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
- Do men or women drive better? – Statistics have proven that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Both sexes tend to get into accidents in similar numbers, but the men cause more damage. Men also statistically get more serious tickets like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and thus pay the highest rates.
These discounts can lower your rates
Companies do not list every discount in an easy-to-find place, so we researched both well-publicized as well as the least known ways to save on auto insurance.
- Resident Student – Children who live away from home without a vehicle on campus can receive lower rates.
- Military Rewards – Being deployed with a military unit could mean lower rates.
- Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.
- Driver Safety – Successfully completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
- Own a Home – Owning a home can save you money because of the fact that having a home is proof that your finances are in order.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
- Pay Now and Pay Less – By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
- No Claims – Drivers who don’t have accidents can earn big discounts when compared with accident-prone drivers.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on CL-Class coverage depending on your company.
Keep in mind that most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.
For a list of providers who offer auto insurance discounts, click this link.
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Different people need different coverages
When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Every situation is different.
For example, these questions can aid in determining whether or not you might need an agent’s assistance.
- Is pleasure use cheaper than using my 1998 Mercedes-Benz CL-Class to commute?
- Where can I find high-risk insurance?
- Do I have newly-aquired coverage?
- What vehicles should carry emergency assistance coverage?
- Can I get a multi-policy discount for packaging my home and auto coverage?
- What is the minimum liability in my state?
If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.
Car insurance coverage information
Knowing the specifics of your insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
Coverage for medical payments
Med pay and PIP coverage reimburse you for immediate expenses such as surgery, rehabilitation expenses, hospital visits, ambulance fees and X-ray expenses. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and may carry a deductible
Auto collision coverage
This covers damage to your CL-Class resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.
Collision coverage pays for claims like hitting a parking meter, damaging your car on a curb, crashing into a building, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.
This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as vandalism, damage from flooding, falling objects, a broken windshield and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.
This coverage provides protection from damages or injuries you inflict on other people or property in an accident. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.
Liability coverage pays for things such as structural damage, funeral expenses, emergency aid and court costs. How much liability should you purchase? That is up to you, but consider buying as much as you can afford.
Uninsured and underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CL-Class.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Compare but don’t skimp
Insureds change insurance companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, lack of trust in their agent and even delays in paying claims. No matter why you want to switch, finding the right insurance provider can be easy and end up saving you some money.
We just showed you a lot of techniques to save on 1998 Mercedes-Benz CL-Class insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the biggest savings come from some of the smallest insurance companies.
While you’re price shopping online, it’s very important that you do not reduce needed coverages to save money. There are many occasions where someone sacrificed full coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage for the lowest price, not the least amount of coverage.
More detailed insurance information is located by following these links:
- Auto Insurance Facts and Statistics (Insurance Information Insitute)
- What Does No-Fault Insurance Cover? (Allstate)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Reducing Your Risks in a Car Crash Video (iihs.org)
- Learn About Car Insurance (GEICO)
- Auto Insurance for Teen Drivers (Insurance Information Insitute)
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