2015 Mercedes-Benz CLA-Class Car Insurance Rates – 6 Tips for Cheaper Quotes

Want cheaper auto insurance rates for your Mercedes-Benz CLA-Class? I can’t think of a single person who is fond of buying auto insurance, in particular when they could lower their rates if they shopped around.

Drivers have many insurers to insure vehicles with, and although it’s a good thing to have a choice, it makes it harder to locate the cheapest rates.

Take advantage of every car insurance discount

Some companies don’t always publicize all possible discounts very clearly, so the list below contains some of the best known and also the lesser-known car insurance savings.

• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of nearly 15% which can help you find cheap auto insurance.
• Waiver for an Accident – Not necessarily a discount, but certain companies will allow you to have one accident without the usual rate increase if your claims history is clear before the accident.
• Save over 55 – Older drivers may qualify for a slight reduction on a auto insurance quote for CLA-Class coverage.
• Clubs and Organizations – Being a member of a qualifying organization can get you a small discount when shopping for car insurance.
• Switch and Save Discount – A few larger companies offer discounts for signing up prior to the expiration date on your current policy. It’s a savings of about 10%.
• Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save 5% or more.

Please keep in mind that most credits do not apply to the entire policy premium. Some only apply to individual premiums such as collision or personal injury protection. If you do the math and it seems like having all the discounts means you get insurance for free, you’re out of luck.

To locate insurance companies who offer cheap car insurance quotes, click here.

How to know if you need help

When it comes to buying the best car insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. For instance, these questions can aid in determining if your insurance needs would benefit from professional advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Is there coverage for injuries to my pets?
• Is my nanny covered when driving my vehicle?
• Do I need replacement cost coverage?
• Where can I get insurance after a DUI in my state?
• Is borrowed equipment or tools covered if stolen or damaged?
• How high should my medical payments coverage be?

If it’s difficult to answer those questions but a few of them apply, you might consider 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 coverages and their meanings

Learning about specific coverages of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by car insurance companies.

Comprehensive coverages

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, hitting a deer, rock chips in glass, theft and hitting a bird. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages

This coverage will cover damage that occurs to people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

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. You might see liability limits of 25/50/25 which means a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as court costs, attorney fees, funeral expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for doctor visits, hospital visits, funeral costs and chiropractic care. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Mercedes-Benz CLA-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Collision coverage

Collision insurance covers damage to your CLA-Class resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, sideswiping another vehicle, rolling your car and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

And the best car insurance company is…

When trying to cut insurance costs, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where an insured cut physical damage coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to purchase plenty of coverage at the best cost while not skimping on critical coverages.

Cheaper insurance coverage is possible on the web and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who don’t offer price quotes online and many times these small insurance companies only sell coverage through local independent agents.

Additional detailed information can be found at these sites:

• Information for Teen Drivers (Geico)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)