Lower Your 2002 Mercedes-Benz CL-Class Insurance Quotes

Drivers have many options when trying to find low-cost Mercedes-Benz CL-Class insurance. They can either spend hours driving around to get rate comparisons or utilize the internet to compare rates.

There are both good and bad ways to shop for insurance coverage and you need to know the absolute fastest way to price shop coverage on a Mercedes-Benz and obtain the lowest price either online or from local insurance agents.

If you have a current auto insurance policy or are looking for a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. The purpose of this article is to teach you the most effective way to quote insurance and some tricks to saving. Vehicle owners just need to learn the most effective way to get comparison quotes online.

Find hidden discounts to get affordable auto insurance rates

Companies that sell car insurance do not list the complete list of policy discounts in an easy-to-find place, so the below list has both well-publicized and also the lesser-known credits that you can use to lower your rates.

• Club Memberships – Joining a qualifying organization is a good way to get lower rates on your policy.
• Defensive Driver – Completing a class that teaches safe driver techniques could cut 5% off your bill and easily pay for the cost of the class.
• Waiver for an Accident – Not necessarily a discount, but companies like State Farm and Progressive will turn a blind eye to one accident before raising your premiums as long as you don’t have any claims for a particular time prior to the accident.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class as it will make them better drivers and lower rates.
• Anti-theft Discount – Cars and trucks optioned with advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Active Service Discounts – Having a deployed family member could trigger a small discount.
• Auto/Life Discount – If the company offers life insurance, you could get lower prices if you buy life insurance.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. The majority will only reduce specific coverage prices like liability and collision coverage. Even though the math looks like adding up those discounts means a free policy, you’re out of luck.

Insurance companies that may offer policyholders these money-saving discounts include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

It’s a good idea to ask every insurance company how many discounts you can get. Some discounts may not be offered in every state.

Tailor your auto insurance coverage to you

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight whether you will benefit from professional help.

• Why does it cost so much to insure a teen driver?
• How can I force my company to pay a claim?
• When would I need additional glass coverage?
• When should I buy a commercial auto policy?
• What vehicles should carry emergency assistance coverage?
• Is a fancy paint job covered?
• Is other people’s property covered if stolen from my vehicle?
• Should I bundle my homeowners policy with my auto?
• Am I insured when driving a different vehicle?
• When should I remove comp and collision on my 2002 Mercedes-Benz CL-Class?

If you’re not sure about those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

Auto insurance coverages

Understanding the coverages of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, damage from a tornado or hurricane, vandalism, a tree branch falling on your vehicle and fire damage. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for immediate expenses like chiropractic care, dental work, doctor visits and rehabilitation expenses. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto liability insurance – This coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as medical services, court costs, legal defense fees, repair costs for stationary objects and bail bonds. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Mercedes-Benz CL-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverages – This coverage pays for damage to your CL-Class caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Final thoughts

More affordable car insurance is definitely available both online as well as from insurance agents, so get free car insurance quotes from both of them to have the best rate selection. Some insurance companies may not offer the ability to get a quote online and most of the time these small, regional companies only sell through local independent agencies.

We covered quite a bit of information on how to reduce 2002 Mercedes-Benz CL-Class insurance prices online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices come from a lesser-known regional company.

Drivers switch companies for many reasons like extreme rates for teen drivers, delays in responding to claim requests, policy cancellation and questionable increases in premium. Whatever your reason, switching car insurance companies is easier than you think.

More information

• Collision Coverage (Liberty Mutual)
• Child Safety Seats (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)