Save on 2019 Mercedes-Benz CLS-Class 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: Apr 15, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Nobody likes having to buy insurance coverage, especially when they could find better rates elsewhere. Insurance companies such as Allstate, Liberty Mutual and State Farm constantly blast consumers with ads and it can be hard to not get sucked in by the cute commercials and do the work needed to find the best deal.

If you are insured now or need new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. Choosing the best insurance company for you is not rocket science. Drivers only need to know the proper way to compare price quotes online.

Do you qualify for discounts?

Not many people think insurance is cheap, but you might find some hidden discounts that could drop your premiums quite a bit. A few discounts will automatically apply when you get a quote, but a few must be manually applied before you will receive the discount.

  • Anti-theft Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Senior Citizen Rates – Drivers over the age of 55 may receive reduced rates for CLS-Class insurance.
  • Accident-Free Discounts – Claim-free drivers have much lower rates in comparison to drivers with a long claim history.
  • Sign Early and Save – A few larger companies allow discounts for switching companies before your current expiration date. You could save around 10% when you buy car insurance online.
  • Driver Safety – Participating in a course in driver safety could earn you a small percentage discount if your company offers it.
  • Federal Government Employee – Employees or retirees of the government could qualify for a slight premium decrease for CLS-Class insurance with certain companies.
  • Online Discount – A few larger online companies provide a small discount just for signing your application over the internet.
  • Student Driver Training – Cut your cost by having your teen driver take driver’s ed class if it’s offered in school.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the overall cost of the policy. A few only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

Larger insurance companies and some of their more popular discounts are outlined below.

  • American Family may have discounts that include defensive driver, early bird, accident-free, good student, TimeAway discount, multi-vehicle, and good driver.
  • Nationwide offers discounts for easy pay, multi-policy, defensive driving, family plan, accident-free, and anti-theft.
  • MetLife offers discounts including good student, defensive driver, accident-free, claim-free, and multi-policy.
  • 21st Century discounts include student driver, early bird, good student, anti-lock brakes, air bags, teen driver, and automatic seat belts.
  • Farmers Insurance may include discounts for youthful driver, good student, electronic funds transfer, multi-car, and homeowner.
  • Allstate policyholders can earn discounts including premier plus, resident student, good payer, EZ pay plan discount, economy car, anti-lock brakes, and premier discount.

If you need lower rates, check with every company which discounts they offer. Some of the discounts discussed earlier might not be offered in your area. To locate companies with discount rates, enter your zip code here.

The best way we recommend to compare insurance rates in your area utilizes the fact car insurance companies participate in online systems to give free rates quotes. The only thing you need to do is provide a little information including if your license is active, the type of vehicles you drive, what you do for a living, and how you use your vehicles. That rating data is then submitted to insurance companies and you will receive price estimates with very little delay.

If you would like to start a quote now, click here and enter your zip code.

How your CLS-Class insurance premiums are determined

Many different elements are part of the equation when you quote your car insurance policy. Some factors are common sense such as your driving history, although others are not quite as obvious like your vehicle usage or your vehicle rating.

The following are some of the most rate-impacting factors used by your company to calculate premiums.

  • Save money with alarm systems – Choosing to buy a car with a theft deterrent system can get you a discount on your auto insurance. Systems that thwart theives like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Adjust coverage deductibles and save – Comp and collision deductibles are the amount of money you are willing to pay out-of-pocket before your auto insurance pays a claim. Coverage for physical damage, also known as collision and other-than-collision, protects your car from damage. Some coverage claims could be colliding with a stationary object, damage from fire, and damage caused by road hazards. The larger the amount the insured has to pay upfront, the bigger discount you will receive for CLS-Class insurance.
  • Continuous auto insurance coverage saves money – Having a lapse in insurance coverage can be a fast way to trigger a rate increase. In addition to paying higher rates, getting caught without coverage will get you a hefty fine and possibly a revoked license.
  • How credit score affects auto insurance rates – Having a good credit history is a large factor in determining your rates. People that have very good credit scores tend to be more responsible and file fewer claims than drivers who have lower credit scores. So if your credit rating could use some work, you could be paying less to insure your 2019 Mercedes-Benz CLS-Class by spending a little time repairing your credit.

Don’t assume everyone needs the same insurance coverage

When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For instance, these questions can help discover if your insurance needs would benefit from professional advice.

  • Am I covered when using my vehicle for business?
  • What if I total my 2019 Mercedes-Benz CLS-Class and owe more than it’s worth?
  • How high should my uninsured/underinsured coverage be in my state?
  • Is my 2019 Mercedes-Benz CLS-Class covered for smoke damage?
  • Who is covered by my policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete your zip code. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Having a good grasp of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, rock chips in glass and falling objects. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

This coverage pays for damage to your CLS-Class from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sustaining damage from a pot hole, colliding with a tree, crashing into a ditch, scraping a guard rail and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Liability auto insurance

Liability coverage can cover damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit without having the split limit caps.

Liability coverage protects against things like loss of income, structural damage, legal defense fees, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2019 Mercedes-Benz CLS-Class.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are set the same as your liability limits.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like EMT expenses, X-ray expenses, nursing services, doctor visits and ambulance fees. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Better coverage you can count on

Cheap 2019 Mercedes-Benz CLS-Class insurance can be purchased on the web as well as from independent agents, so get free car insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not provide online quoting and usually these regional carriers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There have been many cases where an insured dropped physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to purchase plenty of coverage at a price you can afford, but don’t skip important coverages to save money.

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