Save on 2011 Mercedes-Benz CLS-Class Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 15, 2024

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Locating cheaper insurance for a Mercedes-Benz CLS-Class can be a lot of work, but you can learn these tips to find lower rates.

There are more efficient ways to buy insurance so you’re going to learn the quickest way to quote coverages for a Mercedes-Benz and obtain the lowest price from both online companies and local agents.

If you have a current insurance policy or are just looking to switch companies, you can use these tips to get lower rates while maintaining coverages. Finding the lowest cost protection is simple if you know the tricks. Drivers only need to know the tricks to get comparison quotes online.

Choices you make can impact your insurance costs

An important part of buying insurance is that you know some of the elements that are used to determine car insurance rates. When consumers understand what controls the rates you pay, this enables you to make decisions that may reward you with lower rates.

  • Don’t cut corners with liability protection – Liability insurance provides coverage if you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides legal defense coverage which can cost a lot. This coverage is relatively inexpensive when compared with rates for comp and collision, so buy as much as you can afford.
  • Do you need those add-on coverages? – There are a ton of additional extra coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like vanishing deductibles, accident forgiveness, and Farm Bureau memberships may be wasting your money. They may seem like a good idea when you first buy your policy, but now you might not need them so think about removing them and cutting costs.
  • Never allow your car insurance policy to lapse – Driving with no insurance can get your license suspended and you may have a hard time finding new coverage because you let your insurance expire. In addition to paying higher rates, not being able to provide proof of insurance could result in a fine, jail time, or a revoked license. You will then be forced to file a SR-22 with your state DMV.
  • Age of drivers impacts costs – Teenage drivers are known to be careless and easily distracted when behind the wheel so car insurance rates are higher. Mature drivers are more cautious drivers, are lower risk to insure and get fewer tickets.
  • Big cities have higher prices – Residing in small towns and rural areas has it’s advantages when it comes to car insurance. Urban drivers have congested traffic and higher rates of accident claims. Lower population translates into fewer accident claims in addition to fewer liability claims.

How much does auto insurance cost?

Most major insurance companies like 21st Century, Allstate and State Farm give prices on the web. Comparing prices online is fairly straightforward because it’s just a matter of typing in the coverages you want as requested by the quote form. Behind the scenes, the company’s rating system makes automated requests for your credit score and driving record and generates pricing information based on many factors.

Online quotes makes it simple to compare prices but the time it takes to visit many different websites and enter the same data into a form is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to get the lowest possible prices on auto insurance.

Rate comparisons made easy

An easier way to locate the lowest prices uses just one form that gets price quotes from a bunch of companies at once. This type of form saves time, requires less work, and makes online price comparison a little more enjoyable. Immediately after you send the form, it is rated with multiple companies and you can pick your choice of the returned quotes.

If you find a better price you can click and sign and purchase coverage. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

To save time and fill out one form to compare multiple rates now, simply enter your zip code here and fill out the form. To compare your current rates, we recommend you copy deductibles and limits identical to your current policy. Doing this guarantees you are getting a price comparison based on identical coverages.

Does insurance coverage advertising bend the truth?

Consumers get pounded daily by advertisements for the lowest price insurance coverage from the likes of 21st Century, Allstate and State Farm. They all seem to tend to make the same promise about saving some big amount if you switch your policy.

It sounds good, but how can they all save you money? Here is how they do it.

Insurance companies have a preferred profile for the right customer that is profitable for them. For example, this type of insured could possibly be over age 30, insures multiple vehicles, and has excellent credit. Any customer that hits that “sweet spot” will probably get cheap premium rates and therefore will pay quite a bit less when switching companies.

Potential customers who don’t meet these standards will be charged more expensive rates and the customer not buying. The trick is to say “people that switch” not “everyone who quotes” can save as much as they claim. That’s the way insurance companies can make claims like that.

Because of the profiling, you need to compare as many free insurance coverage quotes as you can. It’s just too difficult to predict which insurance coverage company will give you lower car insurance rates than your current company.

Get cheap insurance rates with discounts

Insuring your fleet can be pricey, but there are discounts available that can drop the cost substantially. Some discounts apply automatically at the time of purchase, but occasionally some discounts must be asked about in order for you to get them.

  • E-sign Discounts – Many insurance companies give back up to $50 for signing up on the web.
  • Driver Training Discounts – Participating in a course teaching defensive driver skills could cut 5% off your bill if you qualify.
  • Cautious Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates for CLS-Class insurance than drivers with accidents.
  • Theft Prevention System – Vehicles optioned with advanced anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if offered at their school.
  • Pay Upfront and Save – If you can afford to pay the entire bill instead of paying each month you could save 5% or more.
  • Anti-lock Brakes – Vehicles that have anti-lock braking systems can reduce accidents and earn discounts up to 10%.
  • Organization Discounts – Being in qualifying employment or professional organizations could trigger savings on insurance.
  • Good Students Pay Less – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up to age 25.

As a sidenote, most discount credits are not given to the entire cost. A few only apply to individual premiums such as comp or med pay. Despite the appearance that you can get free auto insurance, you won’t be that lucky.

If you would like to view insurers who offer free insurance quotes, enter your zip code here.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

For example, these questions could help you determine if your situation could use an agent’s help.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my 2011 Mercedes-Benz CLS-Class qualify for pleasure use?
  • How high should my uninsured/underinsured coverage be in my state?
  • Are my tools covered if they get stolen from my vehicle?
  • Does insurance cover damages from a DUI accident?
  • What are the best liability limits?

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, fill out your zip code. It’s fast, free and can help protect your family.

Car insurance 101

Learning about specific coverages of car insurance can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability auto insurance – This can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

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

Collision – This coverage will pay to fix damage to your CLS-Class resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, hitting a mailbox, sustaining damage from a pot hole and damaging your car on a curb. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like rock chips in glass, hail damage, fire damage and falling objects. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for things like hospital visits, doctor visits and chiropractic care. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Final considerations

Drivers change insurance companies for a number of reasons such as not issuing a premium refund, poor customer service, unfair underwriting practices and policy cancellation. Whatever your reason, choosing a new insurance company can be less work than you think.

When getting insurance coverage quotes online, it’s not a good idea to sacrifice coverage to reduce premiums. Too many times, someone dropped uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. Your objective should be to buy the best coverage you can find at the lowest possible cost, not the least amount of coverage.

We’ve covered a lot of information how to lower your 2011 Mercedes-Benz CLS-Class insurance premium rates. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest premium rates are with some of the lesser-known companies.

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