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2010 Mercedes-Benz CL-Class Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 6, 2020

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Nobody looks forward to paying for insurance coverage, especially knowing the price is too high.

Many auto insurance companies compete for your insurance dollar, and it can be difficult to compare rates and get the best coverage at the cheapest price

Mercedes-Benz CL-Class insurance premiums are calculated by many factors

An important part of buying insurance is that you know the different types of things that come into play when calculating the price you pay for auto insurance. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that can help you get better auto insurance rates.

  • Younger drivers pay higher rates – Mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers are known to be less responsible in a vehicle and because of this, their auto insurance rates are much higher.
  • An active claims history can cost you – Auto insurance companies generally give discounts to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is designed for larger claims.
  • Big city or small town – Choosing to live in less populated areas can save you money when buying auto insurance. Urban drivers have to deal with traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Extra coverages can waste money – There are many add-on coverages that you can get tricked into buying if you aren’t careful. Coverages for vanishing deductibles, accidental death and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they’re wasting money eliminate them to save money.
  • Safer cars are cheaper to insure – Cars with high safety ratings are cheaper to insure. Safer cars protect occupants better and fewer injuries means lower claim amounts and thus lower rates. If your Mercedes-Benz CL-Class scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Protect yourself with liability coverage – Liability insurance is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not cut corners here.

Automobile Insurance Quotes

All the larger insurance coverage companies such as State Farm, GEICO and Progressive quote insurance quotes online. This process is fairly simple as you just enter the coverage amounts you desire into a form. Once entered, the system will obtain information on your driving record and credit history and generates pricing information based on these and other factors. Quoting online streamlines rate comparisons, but the time it takes to visit several different sites and enter the same data into a form gets old quite quickly. But it’s absolutely necessary to get many rate quotes in order to find the lowest possible prices on insurance coverage.

There is a better way!

An easier way to get multiple rate quotes requires only one form to obtain quotes from many companies. This type of form saves time, eliminates repetitive work, and makes online shopping much more enjoyable. After sending your information, it is rated and you are able to buy any or none of the price quotes you receive.

If you find a better price you can simply submit the application and buy the new coverage. It takes 15 minutes at the most and you will find out if you’re overpaying now.

To compare pricing, click here to open in new window and begin entering your coverage information. If you currently have coverage, we recommend that you enter your coverages exactly as shown on your declarations page. This guarantees you will get comparison quotes based on identical coverages.

Discounts are great for lower rates

The cost of insuring your cars can be expensive, but companies offer discounts to help offset the cost. Certain discounts will be applied when you quote, but a few need to be requested specifically before they will apply.

  • Good Students Pay Less – Getting good grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • One Accident Forgiven – A handful of insurance companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount for CL-Class insurance with certain companies.
  • College Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
  • Claim Free – Drivers with accident-free driving histories can save substantially compared to bad drivers.
  • Military Rewards – Being deployed with a military unit could mean lower rates.

Consumers should know that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, car insurance companies aren’t that generous. But all discounts will bring down your premiums.

A partial list of companies that may offer these discounts are:

Check with each insurance company which discounts you may be entitled to. Discounts may not be available everywhere.

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You may need specialized coverage

When it comes to buying adequate coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • What is the difference between comprehensive and collision coverage?
  • Why does it cost so much to insure a teen driver?
  • Am I better off with higher deductibles on my 2010 Mercedes-Benz CL-Class?
  • How high should my medical payments coverage be?
  • How much liability insurance is required?
  • Does coverage extend to my business vehicle?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Insurance coverages 101

Having a good grasp of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family 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. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liablity limits.

Coverage for liability

This coverage will cover damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Some companies may use one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like funeral expenses, repair costs for stationary objects, medical services and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Coverage for collisions

Collision insurance covers damage to your CL-Class caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like hitting a parking meter, sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive auto coverage

This pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as rock chips in glass, damage from getting keyed and hail damage. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for bills such as hospital visits, dental work, chiropractic care and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

The bottom line

Low-cost 2010 Mercedes-Benz CL-Class insurance can be found from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. There are still a few companies who may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Throughout this article, we presented many ideas to compare insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest priced insurance coverage comes from the least-expected company. These companies may have significantly lower rates on certain market segments compared to the large companies like Allstate, GEICO and Progressive.

When shopping online for insurance coverage, it’s not a good idea to buy less coverage just to save a little money. There are many occasions where someone dropped liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

To learn more, link through to these articles:

Use our FREE quote tool to compare rates now!

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Enter your zip code below to view companies that have cheap auto insurance rates.

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