Save on 2004 Mercedes-Benz CLK-Class Insurance Quotes

Trying to find cheaper car insurance rates for your Mercedes-Benz CLK-Class? No sane person looks forward to buying car insurance, particularly when they could find better rates elsewhere. With so many insurance providers from which to choose, it can be hard to locate a more affordable car insurance company.

Smart consumers take time to compare rates as often as possible because prices trend upward over time. Despite the fact that you may have had the lowest quotes for CLK-Class insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you one of the quickest ways to remove unneeded coverages and save money.

The method we recommend to compare rate quotes is to understand most larger insurance companies will pay a fee to provide you with a free rate quote. All consumers are required to do is take a few minutes to give details including any included safety features, how your vehicles are used, how much coverage you want, and the ages of drivers. Your information is then sent to many different companies and they return rate quotes instantly.

Insurance coverage quotes and discounts

Insurance coverage is not cheap nor is it fun to buy but there could be available discounts that many people don’t even know exist. Some discounts will apply when you complete an application, but once in a while a discount must be requested specifically before you will receive the discount.

• Membership in Organizations – Participating in qualifying clubs or civic groups can get you a small discount on your next renewal.
• Life Insurance – Insurance carriers who offer life insurance give a discounted price on car insurance if you buy a life insurance policy as well.
• Theft Prevention System – Cars optioned with advanced anti-theft systems are less likely to be stolen and earn discounts up to 10% off your insurance quote.
• Military Rewards – Being on active deployment in the military could qualify you for better prices.
• E-sign – Some companies will discount your bill up to fifty bucks simply for signing on their website.

Keep in mind that most discounts do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. Even though it appears you can get free auto insurance, companies wouldn’t make money that way. But any discount will reduce your policy premium.

The best insurance coverage companies and some of the discounts can be read below.

• American Family includes discounts for defensive driver, mySafetyValet, air bags, Steer into Savings, accident-free, multi-vehicle, and TimeAway discount.
• State Farm may offer discounts for passive restraint, Drive Safe & Save, accident-free, good driver, and multiple policy.
• 21st Century offers discounts including teen driver, air bags, homeowners, early bird, and student driver.
• Travelers discounts include student away at school, payment discounts, continuous insurance, multi-car, driver training, and multi-policy.
• Geico offers premium reductions for federal employee, seat belt use, air bags, emergency military deployment, anti-theft, defensive driver, and multi-vehicle.

If you need cheaper insurance quotes, ask all the companies how many discounts you can get. Discounts may not apply to policies in your area. To find companies that offer multiple discounts, click here to view.

Situations that may require an agent’s advice

When it comes to buying the right insurance coverage, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you may require specific advice.

• Am I insured when driving a different vehicle?
• How can I find cheaper teen driver insurance?
• Why do I only qualify for high-risk insurance?
• Do I benefit by insuring my home with the same company?
• What can I do if my company won’t pay a claim?
• Is rental equipment covered for theft or damage?
• Should I drop comprehensive coverage on older vehicles?
• Can I rate high risk drivers on liability-only vehicles?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Seven factors that impact insurance prices

Many different elements are taken into consideration when premium rates are determined. Some of the criteria are obvious such as your driving history, although others are less obvious such as your credit history or how safe your car is.Consumers need to have an understanding of a few of the rating criteria that come into play when calculating your premiums. When consumers understand what determines premiums, this enables informed choices that can earn you lower premium levels.

• Discounts for GPS tracking and theft deterrents – Choosing to buy a car with advanced anti-theft systems can save you a little every year. Systems that thwart theives such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your vehicle from being stolen.
• Combine home and auto and save – Most companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to compare other insurance prices to help ensure you have the lowest rates.
• Better credit means lower costs – Credit rating can be an important factor in determining premium rates. So if your credit rating can use some improvement, you may save money insuring your 2004 Mercedes-Benz CLK-Class by improving your rating. Drivers with very high credit ratings tend to be better risks to insure than drivers with lower credit scores.
• Your location is a factor – Having an address in less populated areas of the country has definite advantages when talking about auto insurance. Drivers who live in large cities tend to have congested traffic and much longer commute distances. Fewer drivers on the road translates into fewer accident claims and lower theft and vandalism rates.
• Your spouse saves you money – Being married can actually save you money on auto insurance. It demonstrates that you tend to be more financially stable and statistics show married drivers tend to file fewer claims.
• Safer cars save money – Safe vehicles get lower rates. Vehicles built for safety have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you.
• Increase comp and collision deductibles to save – Physical damage protection, termed comprehensive and collision coverage on your policy, covers your vehicle from damage. Some examples of claims that would be covered are a broken side mirror, flood damage, and burglary. Your deductibles tell how much the insured will be required to pay if a covered claim is submitted. The more damage repair cost you’re willing to pay, the less your company will charge you for insurance for CLK-Class insurance.

Insurance coverage considerations

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the normal coverages offered by insurance companies.

Comprehensive insurance

Comprehensive insurance coverage 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 insurance covers things like damage from getting keyed, a tree branch falling on your vehicle, vandalism and falling objects. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for collisions

Collision insurance covers damage to your CLK-Class caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, backing into a parked car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for bills for hospital visits, nursing services, EMT expenses and X-ray expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz CLK-Class.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Auto liability

This provides protection from damage that occurs to other people or property by causing an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like attorney fees, repair costs for stationary objects, structural damage and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

And the best car insurance company is…

When getting insurance quotes online, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone dropped comprehensive coverage or liability limits only to regret at claim time that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage at the best cost.

Budget-friendly insurance coverage can be purchased on the web and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance companies may not provide online price quotes and most of the time these small, regional companies sell through independent insurance agencies.

More learning opportunities

• What is Covered by GAP Insurance? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)
• Teen Driving and Texting (State Farm)
• How Much Auto Coverage do I Need? (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)