Cheap 2016 Mercedes-Benz CLS-Class Car 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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Looking for better auto insurance rates for your Mercedes-Benz CLS-Class? Being forced to pay for high-priced auto insurance premiums can dwindle your personal savings and require stricter spending habits.

Big companies like Progressive, GEICO and Farmers Insurance persistently shower you with TV and radio ads and it is challenging if not impossible to ignore the flashy ads and do the work needed to find the best deal.

Smart consumers take time to shop coverage around periodically because auto insurance prices are adjusted regularly by insurance companies. Just because you had the best price on CLS-Class coverage six months ago other companies may now be cheaper. You can search a lot of auto insurance on the web, but we’re going to give you some good information on how to buy auto insurance cheaper.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. Nevertheless, car owners do need to understand the way companies market insurance on the web and use this information to your advantage.

The cheapest auto insurance

When shopping for auto insurance there are multiple ways of comparing rates from local auto insurance companies. By far the easiest way to find competitive 2016 Mercedes-Benz CLS-Class insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple minutes as outlined below.

The most recommended method to get quotes for comparison is a comparison rater form. This type of form keeps you from doing repetitive form submissions to each individual auto insurance company. Completing one form gets coverage cost estimates from several companies.

A harder way to get quotes online requires a trip to the website for each individual company and go through the quote process again. For examples sake, we’ll pretend you want to compare GEICO, Allstate and State Farm. To get rate quotes you would need to take the time to go to each site to enter the same coverage data repeatedly, and that explains why we recommend the first method.

The last way to comparison shop is driving to local insurance agencies. Quoting online eliminates the need for an insurance agent unless you require the trained guidance of a local agency. Although, it is possible price shop online and get advice from an agent in your area.

You can use whichever method you prefer to find lower rates, just be sure to compare equivalent quote information with each company. If each company quotes mixed coverages it’s impossible to make a fair rate comparison. Just a small difference in insurance coverages or limits can mean a large discrepancy in price. Just remember that getting more free quotes gives you a better chance of getting the best price. Not every company provides online rate quotes, so you also need to get quotes on coverage from those companies, too.

Insurance coverage companies offer lots of discounts

Some providers do not list every policy discount very clearly, so we took the time to find both well-publicized and the more hidden credits available to you.

  • Active Military Service – Being deployed with a military unit could be rewarded with lower rates.
  • Discounts for Federal Employees – Having worked for a branch of the government can earn a discount up to 10% on CLS-Class coverage depending on your company.
  • Passive Restraints and Air Bags – Options like air bags or automatic seat belts may qualify for discounts up to 30%.
  • Driver Training Discounts – Taking a defensive driver class could possibly earn you a 5% discount and also improve your driving technique.
  • Switch and Save Discount – A few insurance coverage companies give discounts for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Own a Home – Owning your own home or condo can help you save on insurance coverage because of the fact that having a home requires personal responsibility.
  • Low Miles Discount – Driving less may enable drivers to earn better insurance coverage rates on cars that stay parked.
  • Waiver for an Accident – Not really a discount, but a few companies such as Allstate, State Farm and GEICO allow you one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Discounts for Cautious Drivers – Drivers without accidents can pay as much as 50% less on CLS-Class coverage compared to rates paid by drivers with frequent claims.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to the entire cost. Most only apply to individual premiums such as medical payments or collision. Even though the math looks like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But any discount will reduce your premiums.

Larger insurance coverage companies and their possible discounts are detailed below.

  • GEICO may offer discounts for driver training, anti-theft, seat belt use, federal employee, and five-year accident-free.
  • SAFECO discounts include homeowner, teen safe driver, anti-lock brakes, safe driver, drive less, anti-theft, and bundle discounts.
  • State Farm has discounts for accident-free, passive restraint, student away at school, Drive Safe & Save, safe vehicle, anti-theft, and multiple autos.
  • MetLife may have discounts that include claim-free, accident-free, good driver, multi-policy, good student, and defensive driver.
  • 21st Century offers premium reductions for early bird, student driver, automatic seat belts, homeowners, and driver training.
  • Progressive has savings for online signing, multi-policy, online quote discount, good student, continuous coverage, multi-vehicle, and homeowner.

If you need cheaper insurance coverage quotes, ask each company which credits you are entitled to. Savings might not be available to policyholders in your state. To see a list of providers with discount insurance coverage rates, enter your zip code here.

What impacts Mercedes-Benz CLS-Class insurance premiums?

One of the most helpful ways to save on car insurance is to to have a grasp of some of the elements that are used to determine the price you pay for car insurance. If you have a feel for what controls the rates you pay, this allows you to make good choices that can help you get lower rates.

  • How much liability do you need? – Liability coverage kicks in in the event that a court rules you are at fault for physical damage or personal injury to other. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Car insurance rates and age – Youthful drivers have a tendency to be inattentive and easily distracted when driving so they pay higher car insurance rates. Having to add a first-time driver to your car insurance policy can really hurt. More experienced drivers are more responsible, file fewer claims and receive fewer citations.
  • Pay lower prices if you’re married – Walking down the aisle helps lower the price when shopping for car insurance. Having a significant other means you’re more financially stable and it’s proven that married drivers tend to have fewer serious accidents.
  • Always keep your coverage in place – Driving with no insurance is against the law and as a result your rates will increase for letting your coverage lapse. Not only will you pay higher rates, the inability to provide proof of insurance might get you a steep fine or even jail time.
  • If you don’t need it don’t buy it – There are a lot of extra coverages that you can buy on your CLS-Class policy. Insurance for roadside assistance, death and dismemberment, and motor club memberships could be just wasting money. You may think they are a good idea when you first buy your policy, but your needs may have changed so remove them from your policy.
  • The more you drive the more you pay – The higher the mileage driven annually the more you will pay for car insurance. Most insurance companies rate vehicles based upon how you use the vehicle. Cars that sit idle most of the time cost less to insure than those that get driven frequently. Having an incorrect usage rating on your CLS-Class can result in significantly higher rates. Ask your agent if your car insurance policy shows the correct usage for each vehicle.
  • Your employer may affect premiums – Did you know that where you work can have an impact on rates? Occupations such as doctors, executives and emergency personnel generally pay higher rates than average in part from stressful work requirements and long work hours. Conversely, occupations like actors, historians and homemakers have lower than average premiums on CLS-Class coverage.

Do I just need basic coverages?

When choosing the best insurance coverage coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions may help highlight whether or not you will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • Why am I required to get a high-risk car insurance policy?
  • When should I remove comp and collision on my 2016 Mercedes-Benz CLS-Class?
  • Am I covered when driving on a suspended license?
  • Does having multiple vehicles earn me a discount?
  • Is there coverage for injuries to my pets?
  • Does insurance cover tools stolen from my truck?
  • Does my personal policy cover me when driving out-of-state?
  • Which companies will insure high-risk drivers?

If you’re not sure about those questions, then you may want to think about talking to an agent. To find an agent in your area, complete your zip code.

Coverages available on your auto insurance policy

Having a good grasp of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverages found on most auto insurance policies.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for rehabilitation expenses, hospital visits, doctor visits, pain medications and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, fire damage, vandalism, hail damage and a tree branch falling on your vehicle. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries and also any damage incurred to your Mercedes-Benz CLS-Class.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, crashing into a ditch, driving through your garage door, backing into a parked car and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability

Liability insurance can cover damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like funeral expenses, medical expenses, repair costs for stationary objects and emergency aid. How much coverage you buy is your choice, but buy as much as you can afford.

Online plus local equals savings

Lower-priced car insurance can be purchased online and from local insurance agents, and you should compare rates from both to get a complete price analysis. There are still a few companies who may not offer price quotes online and usually these regional insurance providers only sell coverage through independent insurance agencies.

You just learned many ideas to lower your 2016 Mercedes-Benz CLS-Class insurance auto insurance rates. The key concept to understand is the more times you quote, the better chance you’ll have of finding inexpensive insurance coverage. Drivers may discover the best price on car insurance is with a smaller regional carrier. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as Allstate or State Farm.

As you quote insurance coverage, you should never reduce needed coverages to save money. There are too many instances where an accident victim reduced full coverage only to regret at claim time they didn’t have enough coverage. Your goal should be to buy the best coverage you can find for the lowest cost.

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