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Mercedes-Benz CLS-Class Insurance Cost

Buying car insurance through online companies is easy, in addition you can save money. The key is to get as many rate quotes as possible in order to have the lowest rate quotes.

People who are new to comparing rates may think finding cheap CLS-Class insurance is difficult. There are several ways to compare rate quotes from different insurance companies. By far the easiest way to compare CLS-Class insurance rates is to get quotes online. This is very easy and can be done by comparing rates here.

Criteria which help determine CLS-Class insurance quotes

Car insurance premiums for a Mercedes-Benz CLS-Class can fluctuate considerably based upon several criteria. A few of these criteria are:

  • Your driving record
  • Credit rating impacts rates
  • Male drivers pay higher rates
  • Deductible amount directly impacts your rate
  • NTSB crash rating for your vehicle
  • Your occupation
  • The level of coverage
  • Owning a home can lower rates

An additional factor that helps determine CLS-Class insurance cost is the year of the vehicle. Older models have a much lower replacement value than newer models so repair costs tend to be lower which will push premiums down. Conversely, new Mercedes-Benz models may have safety features such as a telematics system, a collision avoidance system, tire pressure monitors, and traction control which may lower rates.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the following list.

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to other people or property in an accident. Liability can pay for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as high a limit as you can afford.

Collision insurance

Collision insurance pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder. CLS-Class collision insurance is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The most a car insurance company will pay at claim time is the actual cash value, so if it's not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle's occupants from other drivers when they either have no liability insurance or not enough. Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They are often used to fill the gap from your health insurance program or if you do not have health coverage. PIP is not universally available and gives slightly broader coverage than med pay.

How Much are Mercedes-Benz CLS-Class Insurance Rates?