1999 Mercedes-Benz CL-Class Insurance Quotes – 10 Policy Discounts

Looking for lower insurance coverage rates for your Mercedes-Benz CL-Class? Are you overwhelmed by the dozens of insurance coverage choices? You’re not alone. You have so many options that it can be a ton of work to find the perfect company for you.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. The purpose of this post is to teach you how to get online quotes. But consumers do need to know how big insurance companies market insurance on the web and apply this information to your search.

The easiest way to compare rates takes advantage of the fact car insurance companies pay for the opportunity to provide you with free rate quotes. To get started, all you need to do is provide the companies a bit of rating information like how much coverage you want, how old drivers are, the type of vehicles you drive, and if you lease or own. That rating information gets transmitted to insurance companies and they respond with quotes with very little delay.

Best discounts on Mercedes-Benz CL-Class coverage

Companies that sell car insurance don’t list all their discounts very well, so we took the time to find both the well known and the more hidden discounts you could be receiving.

  • Safety Course Discount – Successfully completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Safe Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for CL-Class insurance than drivers with accident claims.
  • No Charge for an Accident – Some insurance companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Lower Rates for Military – Having a family member in the military may qualify for rate reductions.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Mercedes-Benz could qualify for lower rates on the low mileage vehicles.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last up to age 25.
  • Organization Discounts – Affiliation with a professional or civic organization may earn a discount on your policy for CL-Class insurance.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for CL-Class insurance depending on your company.
  • No Accidents – Drivers with accident-free driving histories can earn big discounts when compared to frequent claim filers.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents and earn discounts up to 10%.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like comp or med pay. Just because it seems like you can get free auto insurance, you won’t be that lucky.

To see a list of insurers with the best car insurance discounts, follow this link.

Tailor your coverage to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

For example, these questions may help highlight if your insurance needs may require specific advice.

  • What is PIP insurance?
  • Does insurance cover tools stolen from my truck?
  • What are the financial responsibility laws in my state?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I have health insurance so do I need medical payments coverage?
  • What if I owe more than I can insure my car for?
  • How much liability do I need to cover my assets?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form.

Specific coverages for a 1999 Mercedes-Benz CL-Class

Understanding the coverages of a car insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mercedes-Benz CL-Class.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for ambulance fees, funeral costs, nursing services, chiropractic care and pain medications. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Collision – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, sustaining damage from a pot hole, hitting a parking meter and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, falling objects, a tree branch falling on your vehicle, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability insurance – This provides protection from damage or injury you incur to other’s property or people in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like repair bills for other people’s vehicles, funeral expenses, pain and suffering, court costs and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as large an amount as possible.

Make a quick buck

Insureds leave their current company for any number of reasons including not issuing a premium refund, denial of a claim, delays in responding to claim requests and even high rates after DUI convictions. It doesn’t matter what your reason, choosing a new company can be pretty painless.

Low-cost 1999 Mercedes-Benz CL-Class insurance can be purchased from both online companies and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

We just covered a lot of tips how to save on insurance. The most important thing to understand is the more rate quotes you have, the higher your chance of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising.

More detailed auto insurance information can be found at these sites: