2004 Mercedes-Benz CLK-Class Insurance Rates
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UPDATED: Mar 24, 2020
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Are you confused by the dozens of auto insurance companies? Many other consumers are too. You have so many choices that it can quickly become a ton of work to locate the lowest price.
Finding more affordable protection is easy if you know what you’re doing. In a nutshell, every driver who buys insurance should be able to find better rates. But consumers do need to learn how the larger insurance companies sell insurance online and use this information to your advantage.
The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact most insurance companies allow for online access to provide you with a free rate quote. The one thing you need to do is take a few minutes to give details like what your job is, your general credit rating, whether your vehicle is owned or leased, and driver details. That rating information gets transmitted to multiple auto insurance providers and they provide comparison quotes very quickly.
To compare rates now, click here and enter your zip code.
Can you really save $456 a year?
Insurance providers like Allstate and Progressive regularly use television and radio advertisements. They all make the same claim of big savings if you move to them. How does each company make the same claim?
Different companies have a preferred profile for the driver they prefer to insure. A good example of a desirable insured might be profiled as over the age of 50, has no prior claims, and drives less than 7,500 miles a year. A driver who matches those parameters is entitled to the best price and is almost guaranteed to save when they switch companies.
Potential customers who fall outside these standards will be quoted higher prices and ends up with the customer not buying. The ads state “drivers who switch” not “people who quote” save money. This is how insurance companies can confidently make those claims.
This emphasizes why you should quote coverage with many companies. You cannot predict which company will provide you with the cheapest Mercedes-Benz CLK-Class insurance rates.
How much can you save with discounts?
Car insurance can cost a lot, but there are discounts available to reduce the price significantly. Certain discounts will be applied when you purchase, but less common discounts must be manually applied in order for you to get them.
- Government Employees – Employees or retirees of the government may qualify you for a discount on CLK-Class coverage with select insurance companies.
- Use Seat Belts – Using a seat belt and requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
- Senior Discount – If you’re over the age of 55, you can possibly qualify for better insurance coverage rates on CLK-Class coverage.
- Multi-policy Discount – When you combine your home and auto insurance with the same company you may earn up to 20% off your total premium.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
- Defensive Driver – Completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
Drivers should understand that some of the credits will not apply to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Just because you may think you could get a free insurance coverage policy, it just doesn’t work that way. But all discounts will reduce the cost of coverage.
For a list of insurers with discount insurance coverage rates, click here.
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How much car insurance do I need?
When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.
For example, these questions could help you determine whether you may require specific advice.
- Are my friends covered when driving my 2004 Mercedes-Benz CLK-Class?
- Is a new car covered when I drive it off the dealer lot?
- Should I carry comprehensive and collision coverage?
- Do I need special endorsements for business use of my vehicle?
- Exactly who is provided coverage by my policy?
- Am I covered when driving on a suspended license?
- Does medical payments coverage apply to all occupants?
- Why am I required to get a high-risk car insurance policy?
- Do I get a pro-rated refund if I cancel my policy early?
- When can my company non-renew my policy?
If you can’t answer these questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.
Auto insurance coverage basics
Having a good grasp of a auto insurance policy aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.
Liability insurance – Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.
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 commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Some companies may use 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 coverage pays for claims such as court costs, medical services, structural damage and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.
Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Collision coverage – Collision coverage pays for damage to your CLK-Class caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as sideswiping another vehicle, rolling your car, hitting a parking meter, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.
Medical costs insurance – Med pay and PIP coverage provide coverage for bills for things like prosthetic devices, EMT expenses and dental work. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
Shop smart and save
Consumers switch companies for a number of reasons such as lack of trust in their agent, policy cancellation, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn’t matter why you want to switch choosing a new insurance company can be easier than you think.
As you prepare to switch companies, don’t be tempted to buy less coverage just to save a little money. There are a lot of situations where someone sacrificed liability coverage limits and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.
Cheap 2004 Mercedes-Benz CLK-Class insurance can be found both online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. There are still a few companies who may not provide online quoting and most of the time these small, regional companies sell through independent agents.
Additional detailed information can be read in the articles below:
- Auto Crash Statistics (Insurance Information Insitute)
- How Much Auto Coverage do I Need? (Insurance Information Insitute)
- Think You’re a Safe Driver? (State Farm)
- What is a Telematics Device? (Allstate)
- Determing Auto Insurance Rates (GEICO)
- Safety Belts FAQ (iihs.org)
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