View 2002 Mercedes-Benz CLK-Class Car Insurance Rates

I can’t think of a single person who fancies paying their premiums for insurance coverage, in particular when they could find lower prices if they just compared rates.

Multiple insurance companies compete for your business, so it’s not easy to compare every company to discover the definitive lowest rate possible.

Buy insurance online

Effectively comparing insurance prices can take time and effort if you don’t understand the fastest way to get free quotes. You can waste hours driving to insurance agencies in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace where insurance shoppers enter their coverage request one time, and each participating company returns a competitive quote based on that data. This eliminates the need for quotation requests for every insurance company.

To submit your quote information now, click here to start a free quote.

The one downside to getting quotes like this is that consumers can’t choose which insurance companies you want pricing from. So if you prefer to choose specific insurance companies to receive pricing from, we put together a list of insurance companies in your area. View list of insurance companies.

Compare rates however you want, just do your best to enter equivalent coverage information with each company. If you use unequal deductibles or liability limits it will be next to impossible to determine which rate is truly the best. Quoting even small variations in coverages could skew the results. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting better pricing. Some companies don’t provide online price quotes, so it’s necessary to compare rates from the smaller companies as well.

Everyone needs different auto insurance coverages

When it comes to choosing coverage, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that can aid in determining if your situation will benefit from professional help.

• Will my rates increase for filing one claim?
• How do I insure my teen driver?
• Should I carry comprehensive and collision coverage?
• Is my 2002 Mercedes-Benz CLK-Class covered for smoke damage?
• When can I cancel my policy?
• What exactly is covered by my policy?
• Am I covered if I crash into my own garage door?
• Should I waive the damage coverage when renting a car?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Car insurance 101

Learning about specific coverages of your policy helps when choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Mercedes-Benz CLK-Class.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Liability coverages

Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects you from legal claims by others. 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 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as funeral expenses, bail bonds, repair costs for stationary objects and pain and suffering. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, vandalism, damage from getting keyed, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays for damage to your CLK-Class from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like driving through your garage door, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like chiropractic care, hospital visits, surgery, EMT expenses and prosthetic devices. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage