Cheap 2013 Mercedes-Benz CL-Class Insurance Quotes

Trying to find cheaper insurance coverage rates for your Mercedes-Benz CL-Class? No one in their right mind looks forward to paying for insurance coverage, particularly when their premiums are through the roof. Consumers have many insurers to choose from, and even though it’s nice to be able to choose, it can be more challenging to find the best rates for your vehicles.

Locating the best protection is not that difficult. If you have insurance now or need new coverage, you can follow these tips to shop for the lowest rates while maximizing coverage. Drivers only need to know the best way to find the lowest price on the web.

Don’t miss out on these money-saving discounts

Properly insuring your vehicles can get expensive, but there are discounts available that you may not know about. Some discounts apply automatically at the time of quoting, but a few must be asked about prior to receiving the credit. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Discount for Swiching Early – A few companies offer discounts for switching policies prior to your current policy expiration. The savings is around 10%.
  • Save with a New Car – Buying coverage on a new vehicle is cheaper compared to insuring an older model.
  • Drive Less and Save – Fewer annual miles on your Mercedes-Benz can qualify you for better rates on cars that stay parked.
  • Student in College – Any of your kids who live away from home and do not have a car can receive lower rates.
  • Sign Online – A handful of insurance companies give back up to $50 just for signing your application online.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% on CL-Class insurance.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less on CL-Class insurance than drivers with accidents.
  • Defensive Driver – Successfully completing a driver safety course could save 5% or more if your company offers it.
  • Military Rewards – Having a deployed family member may qualify for rate reductions.

It’s important to understand that most discounts do not apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will help reduce the amount you have to pay.

For a list of companies offering auto insurance discounts, click this link.

How to Compare Car Insurance Costs

Shopping for lower car insurance rates is a ton of work if you don’t utilize the fastest way to get free quotes. You can waste hours discussing policy coverages with agents in your area, or you can utilize the web to quickly compare rates.

Most car insurance companies enroll in a system where prospective buyers enter their policy data once, and each participating company provides a quote based on that information. This eliminates the need for repetitive form submissions to every company. To access this free quoting program, click here (opens in new window).

The single downside to getting quotes like this is you cannot specify which providers to get quotes from. If you prefer to choose specific insurance companies to request quotes from, we have assembled a list of car insurance companies in your area. View list of insurance companies.

However you get your quotes, ensure you’re using exactly the same coverage information with every price quote. If your comparisons have higher or lower deductibles you will not be able to make an equal comparison.

Do I need special coverages?

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique so your insurance needs to address that. These are some specific questions could help you determine whether you may require specific advice.

  • Is my dog or cat covered if injured in an accident?
  • Exactly who is provided coverage by my policy?
  • How can I get my company to pay me more for my totalled car?
  • Should I carry comprehensive and collision coverage?
  • Will my rates increase for filing one claim?
  • What if I owe more than I can insure my car for?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage considerations

Understanding the coverages of your insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Liability insurance – This can cover damage or injury you incur to people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like structural damage, repair costs for stationary objects and pain and suffering. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses for doctor visits, EMT expenses, pain medications, hospital visits and nursing services. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, hitting a bird, hail damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – This coverage pays for damage to your CL-Class resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, crashing into a ditch, driving through your garage door, crashing into a building and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Final considerations

In this article, we covered quite a bit of information on how to reduce 2013 Mercedes-Benz CL-Class insurance prices online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest premiums are with some of the lesser-known companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

Cheap insurance is available on the web and also from your neighborhood agents, and you need to price shop both in order to have the best chance of saving money. A few companies may not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

As you prepare to switch companies, do not buy less coverage just to save a little money. Too many times, consumers will sacrifice physical damage coverage and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

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