2021 Mercedes-Benz CLA-Class Insurance Rates 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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Want the cheapest insurance coverage rates for your Mercedes-Benz CLA-Class? Cutting costs on Driversinsurance coverage can seem to be very difficult for drivers new to shopping for insurance online. With such a large number of companies in the marketplace, it can be a burden to lower your prices.

It’s a good idea to compare prices yearly because prices are variable and change quite frequently. Even if you think you had the best rate for CLA-Class insurance last year other companies may now be cheaper. Forget all the misinformation about insurance coverage because I’m going to let you in on the secrets to the only way to reduce your cost while improving coverage.

This information will let you in on how car insurance quotes work and some tricks to saving. If you currently have car insurance, you will be able to cut costs considerably using this information. But car owners must understand how insurance companies price online insurance.

Cheaper rates by applying discounts

Some insurers do not advertise all possible discounts very clearly, so below is a list both well-publicized as well as some of the hidden discounts that you may qualify for.

  • Good Student Discount – Maintaining excellent grades can get you a discount of up to 25%. The good student discount can last up to age 25.
  • Defensive Driving Course – Successfully completing a course that instructs on driving safety could possibly earn you a 5% discount if your company offers it.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to wear their seat belts may be able to save a few bucks on medical payment and PIP coverage.
  • Anti-theft Discount – Cars optioned with advanced anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
  • Data Collection Discounts – Drivers who elect to allow driving data collection to look at vehicle usage by using a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they exhibit good driving behavior.
  • Discount for Switching Early – Select car insurance companies give a discount for switching companies before your current coverage expires. It’s a savings of about 10%.

A quick disclaimer, most of the big mark downs will not be given to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears you can get free auto insurance, companies wouldn’t make money that way.

To locate car insurance companies that have a full spectrum of discounts, enter your zip code here.

What affects Mercedes-Benz CLA-Class insurance costs?

Lots of things are taken into consideration when pricing auto insurance. Some factors are common sense such as your driving history, but other factors are less obvious such as your credit history or how financially stable you are. One of the most helpful ways to save on insurance is to to have a grasp of some of the elements that play a part in calculating your insurance rates. If you know what determines premiums, this enables informed choices that may result in big savings.

  • More than one policy can earn a discount – Some insurance companies afford lower prices to customers that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, drivers will still want to compare rates to help guarantee you have the best rates.
  • Poor driving leads to higher rates – Even a single speeding ticket can boost insurance rates substantially. Good drivers receive lower rates compared to bad drivers. People who have careless tickets such as DUI or willful reckless driving may find they need to prove financial responsibility with their state motor vehicle department in order to keep their license.
  • High insurance claims frequency drives up rates – Auto insurance companies provide better rates to policyholders who are claim-free. If you file a lot of claims you can look forward to either higher rates or even cancellation. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Younger driver insurance prices – Young drivers tend to be inattentive and easily distracted with other occupants in the car and because of this, their insurance rates are much higher. More mature drivers tend to be more responsible, tend to file fewer claims and tend to be get fewer driving tickets.
  • Insurance rates and your job – Did you know your career choice can influence rates? Occupations like fire fighters, executives and miners generally have the highest average rates in part from job stress and lengthy work days. On the flip side, occupations like professors, athletes and performers pay the least for CLA-Class insurance.
  • Save by driving safer cars – Vehicles that have high safety ratings tend to be cheaper to insure. These vehicles have better occupant injury protection and lower injury rates means less claims paid and lower rates for you. If your Mercedes-Benz earned at least four stars on Safercar.gov it is probably cheaper to insure.
  • Why do you need liability? – Your policy’s liability coverage kicks in if ever you are ruled to be at fault for an accident. Liability provides legal defense which can be incredibly expensive. It is affordable coverage when compared to the cost of physical damage coverage, so do not cut corners here.
  • lapses raise insurance rates – Allowing your insurance policy to lapse can be a guaranteed way to bump up your insurance costs. Not only will rates go up, not being able to provide proof of insurance might get you a license revocation or jail time.

Your insurance coverage should be tailored to you

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique.

For example, these questions can help discover whether or not you would benefit from professional advice.

  • Should I sign the liability waiver when renting a car?
  • Are rental cars covered under my policy?
  • What is roadside assistance coverage?
  • Are split liability limits better than a combined single limit?
  • What exactly is covered by my policy?
  • What is medical payments coverage?
  • How can I force my company to pay a claim?
  • Will I lose any money if I cancel my policy before it expires?
  • Can I make deliveries for my home business?
  • Do I have newly-acquired coverage?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete your zip code.

Specific coverages for a 2021 Mercedes-Benz CLA-Class

Understanding the coverages of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive coverages

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as falling objects, vandalism, theft and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured and underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries 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. So UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like X-ray expenses, EMT expenses, prosthetic devices, surgery and doctor visits. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This covers damage to your CLA-Class resulting from a collision with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, backing into a parked car and crashing into a ditch. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Liability auto insurance

This can cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 25/50/25 which stand for 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. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as structural damage, repair bills for other people’s vehicles and legal defense fees. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Do the work, save more money

When trying to cut insurance costs, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an insured dropped liability coverage limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy a smart amount of coverage for the lowest price, not the least amount of coverage.

Some insurance companies do not offer rates over the internet and many times these small insurance companies only sell coverage through independent insurance agencies. Lower-priced insurance can be sourced on the web in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money.

Drivers who switch companies do it for many reasons like policy non-renewal, delays in paying claims, policy cancellation and delays in responding to claim requests. It doesn’t matter what your reason, finding the right insurance provider is pretty easy and you might even save some money in the process.

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