Mercedes Mercedes CLS-Class Insurance Rates
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UPDATED: Feb 10, 2020
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Looking for cheaper insurance coverage rates for your Mercedes-Benz CLS-Class? Nobody likes having to buy insurance coverage, particularly when the cost is too high.
Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurance company to find the absolute best rate
Factors determining your Mercedes-Benz CLS-Class insurance premium
Consumers need to have an understanding of some of the elements that go into determining the price you pay for auto insurance. Having a good understanding of what determines base rates empowers consumers to make smart changes that could result in better auto insurance rates.
- Small claims can cost you – Insurance companies generally give cheaper rates to drivers who do not rely on their insurance for small claims. If you frequently file small claims, you can pretty much guarantee either policy cancellation or increased premiums. Car insurance is designed for the large, substantial claims.
- Being married is a good thing – Having a spouse actually saves money on your auto insurance policy. It translates into being more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
- Bump up deductibles to save – Physical damage deductibles represent how much money you are required to spend before your auto insurance pays a claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Examples of covered claims could be colliding with a building, damage caused by hail, and burglary. The more you’re willing to pay, the bigger discount you will receive for CLS-Class insurance.
- Optional equipment can affect rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
- Mature drivers pay less – Mature drivers are more cautious drivers, file fewer claims and get fewer tickets. Teenage drivers tend to be more careless in a vehicle therefore auto insurance rates are much higher.
- Discounts for multiple policies – Many companies provide better rates to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can be anywhere from five to ten percent in most cases. If you currently are using one company, you still need to comparison shop to make sure you are getting the best deal. You may still find better rates by buying auto insurance from a different company.
How to reduce Mercedes-Benz CLS-Class insurance rates
Companies offering auto insurance do not advertise every discount very clearly, so we break down both the well known and the harder-to-find insurance savings.
- Federal Employees – Employees or retirees of the government can earn a discount up to 10% for CLS-Class insurance with a few insurance companies.
- Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could cut 10% or more off your medical payments premium.
- Multiple Policy Discount – If you have multiple policies with the same company you will save 10% to 20% off each policy.
- Military Discounts – Having a family member in the military could mean lower rates.
- Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts well after school through age 25.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class in school.
Drivers should understand that some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like having all the discounts means you get insurance for free, you won’t be that lucky.
A partial list of companies who might offer these benefits may include but are not limited to:
Before buying, ask each company which discounts they offer. All car insurance discounts might not be offered in every state.
How can Allstate, GEICO and Progressive save drivers who switch?
Allstate, GEICO and Progressive constantly bombard you with ads on television and other media. All the companies say the same thing that you’ll save big if you switch your policy. But how can every company make the same claim?
All the different companies have a preferred profile for the driver they prefer to insure. A good example of a preferred risk could possibly be over the age of 50, insures multiple vehicles, and drives newer vehicles. A propective insured who fits that profile is entitled to the best price and as a result will probably save a lot of money.
Consumers who don’t meet the requirements must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” not “people who quote” save that much money. That is how insurance companies can confidently make the claims of big savings. This illustrates why drivers should compare as many rates as you can. It is impossible to predict which insurance company will have the lowest Mercedes-Benz CLS-Class insurance rates.
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Tailor your coverage to you
When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique so your insurance should reflect that These are some specific questions may help highlight if you will benefit from professional help.
- Is my business laptop covered if it gets stolen from my vehicle?
- What is medical payments coverage?
- How can I find cheaper teen driver insurance?
- Will I be non-renewed for getting a DUI or other conviction?
- How can I get high-risk coverage after a DUI?
- Am I better off with higher deductibles on my 2014 Mercedes-Benz CLS-Class?
- Do I need more liability coverage?
- Am I covered when driving in Canada or Mexico?
- Is motorclub coverage worth it?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.
Specific coverages for a Mercedes-Benz CLS-Class
Understanding the coverages of car insurance helps when choosing the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average car insurance policy.
This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things like falling objects, damage from getting keyed, damage from a tornado or hurricane, a broken windshield and hitting a bird. The most your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
This coverage will cover injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability coverage protects against claims such as repair costs for stationary objects, loss of income, emergency aid and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Medical expense coverage
Coverage for medical payments and/or PIP kick in for short-term medical expenses for prosthetic devices, doctor visits, hospital visits, rehabilitation expenses and pain medications. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage
Uninsured or underinsured coverage
This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Mercedes-Benz CLS-Class.
Due to the fact that many drivers have only the minimum liability required by law, 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.
Collision coverage will pay to fix damage to your CLS-Class caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as rolling your car, hitting a parking meter, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.
More quotes. Lower rates.
Budget-conscious 2014 Mercedes-Benz CLS-Class insurance can be purchased both online and with local insurance agents, and you should be comparing both to have the best selection. Some companies do not offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.
When trying to cut insurance costs, make sure you don’t skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at the best price.
To learn more, feel free to browse the following helpful articles:
- All About Airbag Safety (State Farm)
- Understanding Limits and Deductibles (Allstate)
- Insurance Losses by Make and Model (iihs.org)
- Winter Driving (Insurance Information Insitute)
- Shopping for a Safe Car (Insurance Information Insitute)
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