Mercedes Mercedes CLS-Class Insurance Rates
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UPDATED: Feb 10, 2020
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Searching for the cheapest insurance for your Mercedes-Benz CLS-Class can be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for insurance so we’re going to tell you the absolute fastest way to price shop coverage for a Mercedes-Benz and find the lowest possible price from local insurance agents and online providers.
The easiest way to compare insurance rates from multiple companies is to take advantage of the fact all the major auto insurance companies allow for online access to compare their rates. All consumers are required to do is provide details like driver details, if you have a valid license, level of coverage desired, and if you’re married. That information is submitted instantly to multiple companies and you will receive price estimates within a short period of time.
Drivers who switch save $401 a year? Really?
Consumers constantly see and hear ads for the lowest price auto insurance by companies like State Farm and Allstate. All the ads say the same thing that you can save if you move to them.
How can each company claim to save you money?
Different companies have a preferred profile for the type of customer they prefer to insure. An example of a driver they prefer might be profiled as over the age of 40, insures multiple vehicles, and drives less than 10,000 miles a year. A driver who matches those parameters gets the lowest rates and most likely will cut their rates substantially.
Drivers who do not match this ideal profile will have to pay higher premiums which usually ends up with business going elsewhere. The ad wording is “customers who switch” not “people who quote” save that much money. That’s the way insurance companies can confidently advertise the way they do. Because of the profiling, drivers should compare as many rates as you can. You cannot predict which insurance company will have the lowest Mercedes-Benz CLS-Class insurance rates.
These six discounts can lower your rates
Companies don’t list every available discount in an easy-to-find place, so we break down some of the best known as well as the least known ways to save on car insurance. If they aren’t giving you every credit available, you’re just leaving money on the table.
- Safe Drivers – Safe drivers can pay as much as 50% less on CLS-Class coverage than drivers with accident claims.
- Discount for Swiching Early – Some companies give discounts for switching to them before your current expiration date. The savings is around 10%.
- Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
- Pay Upfront and Save – If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.
- Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
- Seat Belts Save – Drivers who require all occupants to use their safety belts could cut 10% or more off your PIP or medical payments premium.
Keep in mind that some credits don’t apply to your bottom line cost. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies don’t profit that way.
To see a list of insurance companies who offer car insurance discounts, follow this link.
Different people need different coverages
When it comes to buying adequate coverage, there really is not a perfect coverage plan. Everyone’s situation is unique.
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Here are some questions about coverages that can help discover if your insurance needs may require specific advice.
- Is my vehicle covered by my employer’s policy when using it for work?
- Does liability extend to a camper or trailer?
- Where can I find DUI or SR-22 insurance?
- What if I don’t agree with a claim settlement offer?
- Are my friends covered when driving my 2012 Mercedes-Benz CLS-Class?
- Is my nanny covered when driving my vehicle?
- What can I do if my company won’t pay a claim?
- Is my state a no-fault state?
- Do I have coverage for damage caused while driving under the influence?
If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and can help protect your family.
Specific coverage details
Knowing the specifics of your auto insurance policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.
This pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as fire damage, a broken windshield and damage from getting keyed. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision coverage protection
This pays for damage to your CLS-Class resulting from a collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers claims like hitting a parking meter, backing into a parked car, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2012 Mercedes-Benz CLS-Class.
Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea.
Auto liability insurance
Liability insurance can cover damage or injury you incur to other’s property or people. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.
Liability coverage protects against claims like medical services, structural damage, emergency aid, medical expenses and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as much as you can afford.
Medical expense coverage
Coverage for medical payments and/or PIP reimburse you for immediate expenses like X-ray expenses, dental work and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
Be Smart and Buy Smart
Drivers change insurance companies for a number of reasons such as lack of trust in their agent, policy cancellation, not issuing a premium refund or even an unsatisfactory settlement offer. No matter why you want to switch, switching car insurance companies can be less work than you think.
Budget-conscious 2012 Mercedes-Benz CLS-Class insurance can be found from both online companies and also from your neighborhood agents, and you need to comparison shop both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.
As you restructure your insurance plan, it’s very important that you do not skimp on critical coverages to save a buck or two. There are many occasions where an insured dropped uninsured motorist or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your goal should be to buy enough coverage at a price you can afford while still protecting your assets.
Additional car insurance information can be found below:
- Teen Driver Licensing Information (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- When is the Right Time to Switch Car Insurance Companies? (Allstate)
- Child Safety Seats (Insurance Information Insitute)
- Eight Auto Insurance Myths (Insurance Information Insitute)
- Rental Reimbursement Coverage (Allstate)
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