2002 Mercedes-Benz CL-Class Insurance Quotes

Are you a victim of an overpriced auto insurance policy? Trust us, there are a lot of people just like you who feel imprisoned by their auto insurance policy. You have so many insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more challenging to adequately compare rates.

Choosing the best insurance company for you is quite easy. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Vehicle owners just need to learn the best way to compare prices online.

These discounts can slash auto insurance rates

Companies don’t list every discount in an easy-to-find place, so we took the time to find some of the best known and the more hidden savings tricks you should be using. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Safe Driver Discount – Safe drivers may save up to 50% more on CL-Class coverage than less cautious drivers.
  • Sign Online – Some insurance companies will give a small break just for signing your application online.
  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off the personal injury premium cost.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy could earn a price break for each car.
  • Passive Restraint Discount – Vehicles with factory air bags may earn rate discounts of up to 25% or more.
  • Drive Less and Save – Driving fewer miles could be rewarded with better rates on cars that stay parked.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Some only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

To see a list of providers with the best auto insurance discounts, click here to view.

When might I need the advice of an agent?

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your situation may require specific advice.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Should I put collision coverage on all my vehicles?
  • Do I have coverage for damage caused while driving under the influence?
  • Does my 2002 Mercedes-Benz CL-Class need full coverage?
  • What vehicles should carry emergency assistance coverage?
  • Is my dog or cat covered if injured in an accident?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Drivers who switch save $484 a year? Really?

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate, GEICO and Progressive. They all make an identical promise that you’ll save big after switching your policy.

How can each company make the same claim? It’s all in the numbers.

All the different companies have a certain “appetite” for the driver that is profitable for them. An example of a desirable insured could be over the age of 50, has no tickets, and has a short commute. A customer who matches those parameters will qualify for the lowest rates and most likely will save when they switch companies.

Potential insureds who do not match this ideal profile will have to pay a more expensive rate which leads to the customer not buying. The ads say “drivers who switch” but not “drivers who get quotes” save that much. That’s why insurance companies can advertise the way they do. Because of the profiling, you absolutely need to compare many company’s rates. It’s not possible to predict which insurance companies will provide you with the cheapest Mercedes-Benz CL-Class insurance rates.

Auto insurance coverage options for a 2002 Mercedes-Benz CL-Class

Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most auto insurance policies.

Comprehensive auto coverage

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

Comprehensive can pay for things such as theft, falling objects, a broken windshield and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision insurance

This will pay to fix damage to your CL-Class from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as driving through your garage door, scraping a guard rail, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, prosthetic devices, rehabilitation expenses and nursing services. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage provides protection from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things such as court costs, funeral expenses, structural damage and legal defense fees. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and damage to your 2002 Mercedes-Benz CL-Class.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Smart shoppers get results

We covered many tips how you can lower your 2002 Mercedes-Benz CL-Class insurance rates. The most important thing to understand is the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the most savings is with a small mutual company. They can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are too many instances where an insured cut full coverage only to find out that it was a big mistake. The proper strategy is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

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