2023 Mercedes-Benz CLA-Class Insurance Rates in 2024 – 10 Savings Tips

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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: Jun 3, 2024

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Searching for cheaper insurance for a Mercedes-Benz CLA-Class can normally be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to buy insurance coverage so we’re going to tell you the quickest way to quote coverages for a new or used Mercedes-Benz and obtain the best price possible.

Smart consumers take time to shop coverage around quite often since rates tend to go up over time. Despite the fact that you may have had the lowest premium rates on CLA-Class insurance at your last renewal there is a good chance you can find better prices now. There is a lot of bad advice regarding insurance coverage online but in this article, you’re going to get some tested techniques to find affordable insurance coverage.

Locating the cheapest car insurance coverage is not that difficult. If you have a policy now or need a new policy, you will benefit by learning to reduce the price you pay and possibly find even better coverage. Vehicle owners only need an understanding of the most effective way to compare prices online.

Do you qualify for discount car insurance?

Some providers don’t always publicize every discount available in a way that’s easy to find, so the below list has both well-publicized in addition to some of the lesser obvious credits available to you. If you are not receiving all the discounts available, you could be saving more on your car insurance.

  • Fewer Miles Equal More Savings – Low annual miles can earn better premium rates on cars that stay parked.
  • Early Signing – A few car insurance companies offer discounts for buying a new policy before your current coverage expires. The savings is around 10%.
  • Professional Memberships – Being a member of a civic or occupational organization could qualify you for a break on your policy.
  • Telematics Discount – Policyholders that allow their insurance company to monitor driving habits by using a small device installed in their vehicle such as State Farm’s In-Drive could see a rate decrease if their driving habits are good.
  • ABS Braking Discount – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and therefore earn up to a 10% discount.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.
  • Discount for Life Insurance – Car insurance companies who offer life insurance give a discount if you purchase life insurance from them.
  • Driver Safety – Taking time to complete a class that teaches driver safety techniques could possibly earn you a 5% discount and also improve your driving technique.
  • Paperless Signup – Certain larger companies give back up to $50 get car insurance over the internet.
  • New Car Discount – Insuring a new car can cost up to 25% less due to better safety requirements for new vehicles.

As a sidenote, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to individual premiums such as comp or med pay. Even though it appears it’s possible to get free car insurance, that’s just not realistic.

To locate insurers with significant discounts, enter your zip code here.

How to get affordable insurance coverage

Getting a cheaper price on 2023 Mercedes-Benz CLA-Class insurance can be surprisingly simple. All that’s required is to take a couple of minutes comparing rate quotes from online providers. Insurance prices can be quoted using a couple different methods.

  1. If you’re in a hurry, the quickest way to get quotes for comparison is an all-inclusive rate comparison. This form eliminates the need for boring form submissions for each company you want a rate for. In just a few minutes this one form will get you price quotes from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. Another way to find more affordable insurance is spending the time to visit the website for each individual company and get a separate price quote. For instance, we’ll assume you want comparison quotes from Farmers, 21st Century and Liberty Mutual. To do that, you would have to navigate to each company’s site to input your insurance information, which can get old fast.

Take whichever approach you prefer, but make sure you compare the same coverage limits for each price quote. If the quotes have higher or lower deductibles you will not be able to make an equal comparison.

What insurance coverages do I need?

When it comes to choosing coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions could help you determine whether or not you might need an agent’s assistance.

  • When should I not file a claim?
  • Does medical payments coverage apply to all occupants?
  • How high should my medical payments coverage be?
  • Is business property covered if stolen from my car?
  • Why am I required to buy liability insurance?
  • Should I buy full coverage?
  • Should I sign the liability waiver when renting a car?
  • Why do I need rental car insurance?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. If you don’t have a local agent, simply complete your zip code. It’s fast, free and can provide invaluable advice.

Coverages available on your auto insurance policy

Having a good grasp of a auto insurance policy helps when choosing the right coverages for your vehicles. Auto insurance terms can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, fire damage, rock chips in glass, damage from getting keyed and falling objects. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2023 Mercedes-Benz CLA-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Collision protection

This coverage covers damage to your CLA-Class resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, crashing into a building and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Auto liability

This coverage provides protection from damage that occurs to people or other property in an accident. Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see 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, repair bills for other people’s vehicles, repair costs for stationary objects and court costs. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as EMT expenses, chiropractic care, rehabilitation expenses, prosthetic devices and dental work. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but can be used in place of medical payments coverage

Quote more. Save more.

Some insurance providers do not offer online quoting and many times these smaller companies only sell through independent agencies. Discount 2023 Mercedes-Benz CLA-Class insurance is attainable on the web and with local insurance agents, so compare prices from both in order to have the best chance of saving money.

People who switch companies do it for a variety of reasons including unfair underwriting practices, being labeled a high risk driver, high prices or policy cancellation. Whatever your reason, switching companies can be pretty painless.

We just covered a lot of tips how to shop for 2023 Mercedes-Benz CLA-Class insurance online. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the lowest premium rates are with some of the lesser-known companies.

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