Cheaper 2013 Mercedes-Benz CLS-Class Insurance Cost

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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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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Feb 10, 2020

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No one enjoys paying for insurance coverage, especially knowing the cost is way too high.

Because there are so many options, it can be challenging to locate the best provider.

You should make it a habit to take a look at other company’s rates quite often because insurance rates are rarely the same from one policy term to another. Just because you had the best price for CLS-Class coverage on your last policy the chances are good that you can find a lower rate today. Starting right now, forget anything you know (or think you know) about insurance coverage because we’re going to show you how to quote online to find lower rates on insurance coverage.

Finding cheaper insurance is easy if you know what you’re doing. Basically, every vehicle owner who carries insurance stands a good chance to be able to find lower rates. But drivers benefit from understanding how big insurance companies compete online and take advantage of how the system works.

The best way to compare car insurance rates utilizes the fact car insurance companies participate in online systems to compare their rates. To begin a comparison, all you need to do is take a few minutes to give details including the type of vehicles you drive, how much education you have, if you lease or own, and an estimate of your credit level. The rating information is submitted instantly to multiple auto insurance providers and you should receive rate quotes instantly.

To start a quote now, click here and find out if lower rates are available.

Best discounts on Mercedes-Benz CLS-Class coverage

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be asked for in order for you to get them.

  • Early Switch Discount – A few companies offer discounts for signing up prior to your current policy expiration. It’s a savings of about 10%.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Service Members Pay Less – Having a deployed family member could mean lower rates.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.
  • Accident Forgiveness – A few companies permit an accident before your rates go up so long as you haven’t had any claims prior to the accident.
  • Clubs and Organizations – Participating in a civic or occupational organization could trigger savings when buying insurance for CLS-Class coverage.
  • Driver’s Ed – Require your teen driver to take driver’s ed class in high school.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new cars are generally safer.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. But all discounts will help reduce your premiums.

To see a list of providers who offer insurance discounts, click this link.

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Tailor your coverage to you

When buying proper insurance coverage, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • Am I covered if my car is in a flood?
  • Is my ex-spouse still covered by my policy?
  • What discounts do I qualify for?
  • What is an SR-22 filing?
  • Does my 2013 Mercedes-Benz CLS-Class qualify for pleasure use?
  • Are my friends covered when driving my car?
  • If my 2013 Mercedes-Benz CLS-Class is totaled, can I afford another vehicle?
  • What happens if I owe more than my 2013 Mercedes-Benz CLS-Class is worth?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Insurance specifics

Learning about specific coverages of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Uninsured or underinsured coverage – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Liability auto insurance – Liability insurance protects you from damage that occurs to other people or property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, legal defense fees, attorney fees, bail bonds and funeral expenses. How much liability coverage do you need? That is your choice, but you should buy as high a limit as you can afford.

Collision coverages – This coverage will pay to fix damage to your CLS-Class resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, hitting a mailbox, rolling your car, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.

Comprehensive protection – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from getting keyed, vandalism, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for short-term medical expenses like chiropractic care, surgery, hospital visits and dental work. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

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