2008 Mercedes-Benz CL-Class Car Insurance Quotes

Looking for cheaper car insurance rates for your Mercedes-Benz CL-Class? No one looks forward to paying for car insurance, in particular when their premiums are too high. Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare insurance companies to find the absolute best price available.

Automobile Insurance Quotes

Performing a rate comparison can be a lot of work if you don’t know the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could use online quotes to get rates in a matter of minutes.

Many popular insurance companies are enrolled in a marketplace where prospective buyers complete one form, and each participating company then returns a price quote for coverage. This system prevents you from having to do form submissions for each company you want a rate for. To find out how much you can save on insurance coverage click here (opens in new window).

The one disadvantage to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. If you wish to select from a list of companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you are comparing exactly the same coverages for each price quote. If each company quotes differing limits it will be impossible to determine the best price for your Mercedes-Benz CL-Class.

Cut your insurance coverage rates with discounts

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Most are applied at the time you complete a quote, but less common discounts must be inquired about before you will receive the discount. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Auto/Life Discount – Companies who offer life insurance give lower rates if you buy life insurance.
  • Defensive Driver – Completing a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Resident Student – Any of your kids living away from home attending college without a vehicle on campus can receive lower rates.
  • Memberships – Participating in certain professional organizations could trigger savings on insurance coverage on CL-Class insurance.
  • Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can avoid accidents and qualify for as much as a 10% discount.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Bundle and Save – If you insure your home and vehicles with one company you may earn approximately 10% to 15%.
  • Good Student Discount – This discount can get you a discount of up to 25%. The good student discount can last well after school through age 25.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will help reduce the cost of coverage.

To see a list of insurance companies with the best insurance coverage discounts, click here.

Mercedes-Benz CL-Class premiums are determined by many factors

Consumers need to have an understanding of the different types of things that come into play when calculating the price you pay for car insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with better car insurance rates.

  • High credit ratings translate to low rates – A driver’s credit score is a large factor in determining what you pay for car insurance. So if your credit score is lower than you’d like, you could pay less to insure your 2008 Mercedes-Benz CL-Class by improving your credit score. People with excellent credit tend to be more responsible than those with poor credit.
  • Where do you drive? – The higher the mileage driven in a year’s time the higher your rate. Most insurance companies charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage receive lower rates compared to those used for work or business. Make sure your car insurance declarations sheet is showing the correct usage for each vehicle, because improper ratings can cost you money. If your policy improperly rates your CL-Class can result in significantly higher rates.
  • Never allow your policy to lapse – Driving your car without having proper coverage is a misdemeanor and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, but being ticketed for driving with no insurance can result in a steep fine or even jail time.
  • Tickets mean higher rates – Your driving record has a big impact on rates. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Even a single moving violation can increase rates forty percent or more. Drivers who get severe violations such as DWI, reckless driving or hit and run convictions may be required to submit a SR-22 form with their state motor vehicle department in order to drive a vehicle legally.

You are unique and your insurance should be too

When it comes to buying coverage, there really is not a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining if you might need professional guidance.

  • Is my cargo covered for damage or theft?
  • Are split liability limits better than a combined single limit?
  • What is no-fault insurance?
  • Can my teen drive my company car?
  • Am I better off with higher deductibles on my 2008 Mercedes-Benz CL-Class?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance companies in your area. It is quick, free and can provide invaluable advice.

Can you really save that much by switching?

Consumers get pounded daily by advertisements that promise big savings from the likes of Allstate, GEICO and Progressive. They all seem to say the same thing that you’ll save big if you switch your coverage to them.

How do they all claim to save you money? It’s all in the numbers.

Different companies have a preferred profile for the driver they prefer to insure. An example of a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and drives newer vehicles. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably save quite a bit of money when switching.

Potential insureds who do not match the requirements will have to pay higher rates and ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that much. That’s why companies can truthfully claim big savings.

Because of the profiling, you need to get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest Mercedes-Benz CL-Class insurance rates.

Auto insurance coverages

Having a good grasp of a insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on the average insurance policy.

Medical expense insurance – Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses such as chiropractic care, prosthetic devices, X-ray expenses and funeral costs. They are often used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, a broken windshield, hitting a bird and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability – Liability coverage provides protection from damage or injury you incur to other people or property in an accident. It protects you from legal claims by others, 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 policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like funeral expenses, court costs and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your CL-Class resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, rolling your car, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2008 Mercedes-Benz CL-Class.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these coverages do not exceed the liability coverage limits.

Be a smart shopper

As you go through the steps to switch your coverage, make sure you don’t buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. Your strategy should be to buy the best coverage you can find at a price you can afford.

We’ve covered a lot of ways to get a better price on 2008 Mercedes-Benz CL-Class insurance. The most important thing to understand is the more price quotes you have, the better your comparison will be. You may even find the lowest rates come from some of the smallest insurance companies. Regional companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.

Lower-priced insurance is possible online and with local insurance agents, so you should compare both to have the best rate selection. A few companies do not offer online quoting and usually these small, regional companies provide coverage only through local independent agents.

Much more information about insurance is located at the links below