View 2010 Mercedes-Benz CL-Class Insurance Quotes in 2024

Searching for lower insurance rates for your Mercedes-Benz CL-Class? Wish you could get out of an underperforming, overpriced insurance policy? Believe me, many consumers feel financially strained by their insurance policy. Insurance companies such as GEICO, Farmers Insurance and State Farm all promote huge savings with TV and radio ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

If you have a policy now or need a new policy, you can use these tips to get lower rates while maintaining coverages. Finding the best rates is not that difficult. Consumers only need to know the tricks to shop their coverage around over the internet.

Auto insurance policy discounts

Auto insurance is not cheap nor is it fun to buy but companies offer discounts that many consumers don’t even know exist. Certain credits will be shown at the time of quoting, but a few must be asked about before you get the savings.

• Safe Drivers – Safe drivers may receive a discount up to 45% for CL-Class coverage compared to rates paid by drivers with frequent claims.
• Student Driver Training – Teen drivers should successfully complete driver’s ed class in school.
• Anti-lock Brakes – Cars with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Payment Discounts – By paying your policy upfront rather than paying monthly you could save up to 5%.
• Low Mileage – Fewer annual miles on your Mercedes-Benz could qualify for lower prices on the low mileage vehicles.

Just know that most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

To locate providers who offer free auto insurance quotes, enter your zip code here.

Cheap insurance quotes online

Shopping for lower insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can stay home and use online quoting to quickly compare rates.

Many insurance companies take part in a program that allows shoppers to enter their policy data once, and each participating company can provide price quotes. This system prevents you from having to do quote forms for every insurance company. To enter your information into the quoting system, enter your zip code here.

The only downside to doing it this way is buyers cannot specifically choose the insurers you want pricing from. So if you want to choose specific insurance companies to request quotes from, we put together a list of low cost insurance companies in your area. Click to enter zip code.

It’s your choice how you get your quotes, but make sure you use exactly the same deductibles and coverage limits for each quote you get. If you compare different deductibles it’s impossible to decipher which rate is best.

How do I know if I need professional advice?

When choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

• At what point should I drop full coverage?
• How much liability do I need to cover my assets?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• What vehicles should carry emergency assistance coverage?
• Do I need more liability coverage?
• Is my teen driver covered when they drive my company car?
• Am I covered when driving on a suspended license?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out your zip code. It is quick, free and can help protect your family.

What insurance coverages do you need?

Understanding the coverages of your insurance policy helps when choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages found on the average insurance policy.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz CL-Class.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are set the same as your liability limits.

Liability insurance

This will cover injuries or damage you cause to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

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 limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like repair bills for other people’s vehicles, medical services, court costs and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like fire damage, hitting a bird and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance reimburse you for bills for hospital visits, rehabilitation expenses, surgery, dental work and X-ray expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Auto collision coverage

This will pay to fix damage to your CL-Class resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like crashing into a ditch, damaging your car on a curb, colliding with a tree, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

More quotes mean more savings

Low-cost 2010 Mercedes-Benz CL-Class insurance is possible from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who may not offer online price quotes and usually these regional carriers work with local independent agents.

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your goal is to purchase a proper amount of coverage at a price you can afford.