Cheap 2021 Mercedes-Benz CLS-Class Car Insurance Rates 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 cheaper auto insurance rates for your Mercedes-Benz CLS-Class? There isn’t a single person who rejoices having to buy auto insurance, especially when they know they could find lower prices if they just compared rates.

Due to the abundance of online and local companies to choose from, it’s difficult to locate the right insurer.

It’s a good habit to price shop coverage as often as possible because prices are constantly changing. Just because you had the lowest price for CLS-Class coverage at your last renewal you may be paying too much now. There is a lot of bad information regarding auto insurance on the web, but you can learn some proven techniques to buy auto insurance cheaper.

The purpose of this article is to familiarize you with the best way to quote coverages and some tips to save money. If you have car insurance now, you stand a good chance to be able to save some money using these techniques. But consumers must know how the larger insurance companies market on the web.

How to compare insurance rate quotes

To get cheaper insurance quotes, there a variety of ways to obtain and compare prices from companies that offer insurance in your state. The recommended way to comparison shop involves getting comparison quotes online. This is quite simple and can be completed using a couple different methods.

  • The most recommended method to find low rates is a comparison rater form. This style of form eliminates the need for separate quotes for each price estimate. Filling out one form will return quotes from several companies.
  • A less efficient way to compare rate quotes is going to the website for every company you want to compare to complete a price quote. For sake of this example, we’ll assume you want to compare Allstate, Liberty Mutual and GMAC. In order to compare rates, you need to spend time on each company’s site and repeatedly type in your coverage information, which is not fast way to get rate quotes.
  • The least recommended method to find cheaper rates is making phone calls or going to all the different insurance agencies. Comparing rate quotes online makes this process obsolete unless you require the trained guidance that you can only get from talking to an agent. Drivers can compare online quotes and get advice from an agent in your area.

The approach you take is up to you, just make darn sure you compare nearly identical coverage limits and deductibles for every quote you compare. If you are comparing unequal deductibles or liability limits it will be impossible to find the best deal for your Mercedes-Benz CLS-Class. Having just a slight variation in coverages could mean much higher rates. Just remember that getting more free quotes helps increase your odds of locating more affordable insurance. Some regional insurers cannot provide price estimates online, so it’s necessary to compare quotes from them, too.

Take policy discounts and save

Some companies don’t necessarily list every policy discount very well, so we break down both well-publicized as well as some of the hidden savings tricks you should be using when you buy insurance online.

  • Discount for Life Insurance – Some companies give better prices if you take out auto and life insurance together.
  • Lower Rates for Military – Being deployed in the military could be rewarded with lower rates.
  • Government Employee Discount – Federal government employees may qualify for a discount when you quote insurance for CLS-Class coverage but check with your company.
  • Online Discount – Some insurance companies give back up to $50 get insurance on the web.
  • Accident-Free Discounts – Claim-free drivers pay much less in comparison to frequent claim filers.
  • Smart Student Discounts – A discount for being a good student can save 20 to 25%. You can use this discount normally up to age 25.
  • Distant College Student Discount – Any of your kids who live away from home to go to college and don’t have a car can be insured at a reduced rate.

A quick disclaimer, most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. So even though you would think it’s possible to get free car insurance, it doesn’t quite work that way.

A few of the larger companies and the discounts they provide are detailed below.

  • State Farm offers discounts for driver’s education, safe vehicle, Steer Clear safe driver discount, passive restraint, and multiple autos.
  • American Family may include discounts for good student, mySafetyValet, defensive driver, early bird, Steer into Savings, and TimeAway discount.
  • AAA may have discounts that include AAA membership discount, multi-policy, good driver, education and occupation, anti-theft, and multi-car.
  • GEICO has discounts for daytime running lights, membership and employees, anti-theft, air bags, driver training, anti-lock brakes, and emergency military deployment.
  • Mercury Insurance offers premium reductions for ease of repair, annual mileage, age of vehicle, anti-theft, low natural disaster claims, and professional/association.
  • Farmers Insurance discounts include early shopping, youthful driver, good student, mature driver, pay in full, and electronic funds transfer.
  • Progressive has savings for online signing, multi-vehicle, homeowner, continuous coverage, multi-policy, and good student.

It’s a good idea to ask each company which discounts they offer. Discounts may not apply in your state.

Which policy gives me the best coverage?

When buying the right insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • How much can I save by bundling my policies?
  • Does coverage extend to a rental car in a foreign country?
  • Where can I find DUI or SR-22 insurance?
  • When should I remove comp and collision on my 2021 Mercedes-Benz CLS-Class?
  • Does car insurance cover theft of personal property?
  • Should I carry comprehensive and collision coverage?
  • Is my babysitter covered when using my vehicle?
  • When would I need rental car insurance?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete your zip code.

You can change your insurance rates

Multiple criteria are considered when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are more transparent like where you live or how safe your car is. The best way to find cheaper insurance coverage is to take a look at the factors that come into play when calculating the rates you pay for insurance coverage. If you have a feel for what determines base rates, this enables you to make decisions that could result in much lower annual insurance costs.

The following are some of the most common factors insurance coverage companies consider when setting premiums.

  • Infrequent drivers can save – The more you drive your Mercedes-Benz every year the more you’ll pay to insure your vehicle. Many insurance companies charge rates based on how the vehicle is used. Autos that have low annual miles cost less to insure compared to those used for work or business. Improper usage on your CLS-Class may be costing you higher rates. Ask your agent if your insurance coverage declarations sheet shows how each vehicle is driven.
  • Alarm systems save money – Choosing to buy a car with advanced anti-theft systems can help lower your premiums. Theft prevention devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft and help bring rates down.
  • Getting married can lower rates – Having a wife or husband may cut your premiums on insurance coverage. Having a spouse means you’re more mature and it’s proven that married drivers tend to file fewer claims.
  • How much liability do you need? – Your insurance coverage policy’s liability coverage is the coverage that protects you in the event that you are found liable for an accident. This coverage provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should carry high limits.
  • Your gender affects costs – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Men and women are responsible for auto accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
  • Extra coverages may not be needed – There are quite a few extra coverages that may not really be needed on your insurance coverage policy. Insurance for things like rental car reimbursement, accident forgiveness, and motor club memberships could be just wasting money. These coverages may sound good when discussing your needs, but if they’re wasting money think about removing them and cutting costs.
  • Rural vs Urban Areas – Having an address in small towns and rural areas has definite advantages when it comes to insurance coverage. Drivers who live in large cities tend to have more aggressive driving styles and longer commutes to work. Lower population means fewer accidents and a lower car theft rate.

Advertising myths

Respected companies like 21st Century, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make the point that people will save if you get a free insurance quote and switch your insurance policy to them. How does every company lower your rates? Just pay attention to how they say it.

Different companies can use profiling for the type of customer that will generate a profit. One example of this type of risk profile might be described as a mature driver, has a clear driving record, and does not commute to work. A customer getting a price quote that meets those criteria gets the lowest premium rates and therefore will save when switching.

Potential insureds who do not meet these stringent criteria will see higher rates which results in the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that much when switching. That’s why companies can advertise the savings.

This really illustrates why drivers should compare free insurance quotes often. You cannot predict which insurance company will have the best prices at this point in time.

Specific coverages for a 2021 Mercedes-Benz CLS-Class

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverage types available from auto insurance companies.

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Mercedes-Benz CLS-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for bills for things like pain medications, hospital visits, rehabilitation expenses, dental work and surgery. They can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hitting a deer, fire damage, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability

Liability coverage provides protection from damage that occurs to other’s property or people in an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for claims like medical expenses, repair bills for other people’s vehicles, attorney fees, medical services and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision insurance pays for damage to your CLS-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Summing up your auto insurance search

When getting insurance quotes online, it’s a bad idea to buy poor coverage just to save money. In too many instances, drivers have reduced liability coverage limits only to regret that it was a big mistake. The proper strategy is to get the best coverage possible at an affordable rate.

Some companies may not offer the ability to get a quote online and usually these small, regional companies only sell through independent insurance agents. Cheaper 2021 Mercedes-Benz CLS-Class insurance can be purchased both online and from local agencies, so you should be comparing quotes from both in order to have the best price selection to choose from.

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