Save on 2017 Mercedes-Benz CLA-Class Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2024

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Have you had enough of not being able to scrape enough together to pay your insurance bill each month? You are no different than many other people.

Insurance companies such as GEICO, Progressive and Allstate all claim big savings, bombarding you with advertising and it is challenging if not impossible to avoid their marketing magic and take the time to shop coverage around.

It’s a good idea to get comparison quotes at least once a year because insurance prices change frequently. Even if you think you had the lowest quotes on CLA-Class insurance a year ago you will most likely find a better rate today. There is a lot of bad information regarding insurance online, but in this article, you’re going to get some great ideas on how to lower your insurance premiums.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Choosing the best insurance company for you is not that difficult. Nevertheless, car owners benefit from understanding the way insurance companies compete online.

Insurance coverage companies offer many discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that you may not even know about. Certain reductions will be credited at quote time, but some discounts are required to be asked for in order for you to get them.

  • Save with More Vehicles Insured – Purchasing coverage when you have more than one vehicle with one company can get a discount on all vehicles.
  • Discount for Switching Early – A few insurance coverage companies allow discounts for renewing your policy early. It’s a savings of about 10%.
  • Government Employees – Federal government employees could qualify for a slight premium decrease on CLA-Class insurance depending on your company.
  • Pay Upfront and Save – By making one initial payment instead of paying each month you can avoid monthly service charges.
  • Accident Waiver – This one is not really a discount per se, but a few companies such as GEICO, Allstate and Liberty Mutual permit an accident before hitting you with a surcharge if your claims history is clear for a specific time period.
  • Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and qualify for as much as a 10% discount.

As a disclaimer on discounts, most discount credits are not given to the entire policy premium. A few only apply to specific coverage prices like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

Companies and some of their more popular discounts are detailed below.

  • Progressive policyholders can earn discounts including continuous coverage, online signing, homeowner, online quote discount, multi-vehicle, multi-policy, and good student.
  • AAA may have discounts that include multi-car, anti-theft, education and occupation, good student, and AAA membership discount.
  • Farmers Insurance has savings for teen driver, pay in full, distant student, good student, and homeowner.
  • GEICO offers premium reductions for federal employee, multi-vehicle, daytime running lights, air bags, seat belt use, and driver training.
  • Esurance offers discounts for anti-theft, Switch & Save, good driver, multi-policy, good student, anti-lock brakes, and safety device.
  • SAFECO may include discounts for drive less, homeowner, accident prevention training, anti-lock brakes, teen safety rewards, bundle discounts, and anti-theft.
  • State Farm may offer discounts for good driver, student away at school, multiple autos, passive restraint, anti-theft, and driver’s education.

When comparing rates, check with every insurance company how you can save money. Some discounts listed above may not apply in your area. To find providers that provide some of the discounts listed above, enter your zip code here.

Do I just need basic coverages?

When choosing proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions may help you determine if your insurance needs will benefit from professional help.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Do I need added coverage for expensive stereo equipment?
  • Does my 2017 Mercedes-Benz CLA-Class qualify for pleasure use?
  • What is UM/UIM insurance?
  • Do I need to file an SR-22 for a DUI in my state?
  • When would I need additional glass coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Car insurance policy coverages for a Mercedes-Benz CLA-Class

Having a good grasp of a car insurance policy helps when choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from car insurance companies.

Comprehensive car insurance – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like hail damage, damage from getting keyed, vandalism, hitting a deer and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Mercedes-Benz CLA-Class.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Collision coverages – Collision insurance covers damage to your CLA-Class from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like rolling your car, crashing into a building, damaging your car on a curb, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills like surgery, dental work and chiropractic care. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Liability coverage – This protects you from damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as pain and suffering, emergency aid and medical expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Quote often and quote early

Lower-priced 2017 Mercedes-Benz CLA-Class insurance can be sourced online and from local insurance agents, so you should compare both to have the best rate selection. Some car insurance companies don’t offer the ability to get a quote online and many times these smaller providers sell through independent agencies.

In this article, we presented a lot of techniques to shop for 2017 Mercedes-Benz CLA-Class insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the lowest premium rates come from a small local company. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.

While you’re price shopping online, it’s a bad idea to reduce coverage to reduce premium. In too many instances, someone dropped physical damage coverage only to find out that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at the best cost and still be able to protect your assets.

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