2023 Mercedes-Benz CLS-Class Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

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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Are you drained from sacrificing to pay insurance coverage each month? You have the same problem as the majority of other people. Popular companies such as GEICO, Farmers Insurance and State Farm all promote huge savings with catchy ads and it is challenging if not impossible to ignore the promise of big savings and effectively compare rates to find the best deal.

If you have a policy now or need a new policy, you can follow these tips to find the best rates while maximizing coverage. Choosing the best insurance company for you is not that difficult. Consumers just need to know the most efficient way to shop online.

Take advantage of every insurance coverage discount

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. A few discounts will be applied when you quote, but a few need to be requested specifically before you get the savings.

  • Government Employees – Active or former government employment can save as much as 8% on CLS-Class insurance with some insurance coverage companies.
  • Resident Student – Youth drivers who attend college more than 100 miles from home and do not take a car to college can be insured at a reduced rate.
  • Organization Discounts – Being a member of a professional or civic organization may earn a discount on your bill.
  • Life Insurance Discount – Larger insurance coverage companies have a break if you buy a life insurance policy as well.
  • Driver Safety – Taking a course in defensive driver could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you may reduce your total bill.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Good Grades Discount – Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Seat Belt Usage – Drivers who require all vehicle occupants to use a seat belt may be able to save a few bucks on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Cars with ABS braking systems or traction control prevent accidents and therefore earn up to a 10% discount.

Policy discounts save money, but many deductions do not apply to the whole policy. Most only reduce the price of certain insurance coverages like medical payments or collision. Even though it may seem like it’s possible to get free car insurance, that’s just not realistic.

To see companies that offer some of these discounts, enter your zip code here.

Learn how to lower your insurance costs

Part of the car insurance buying process is learning the factors that come into play when calculating the rates you pay for car insurance. If you have some idea of what determines premiums, this helps enable you to make changes that could help you find lower car insurance prices.

The items below are a few of the things that factor into premiums.

  • Consolidate policies with the same company – Lots of companies will give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. Even with this discount applied, consumers should still compare rates to help guarantee you have the best rates.
  • Cautious drivers have lower prices – Being a careful driver has a big impact on rates. Having just one citation can boost insurance rates to the point where it’s not affordable. Drivers who don’t get tickets have lower premiums than bad drivers. Drivers who have received flagrant citations like reckless driving, hit and run or driving under the influence might be required by their state to prove financial responsibility with their state motor vehicle department in order to legally drive.
  • Your occupation and car insurance rates – Jobs like real estate brokers, social workers and financial analysts generally have higher premiums than the average policyholder in part from intense work requirements and long work days. On the other hand, careers such as professors, historians and homemakers pay the least on CLS-Class insurance.
  • Older drivers are lower risk – Older people are shown to be more cautious, cause fewer claims and accidents , and are generally more financially stable. Teenage drivers have a tendency to be inattentive and easily distracted in a vehicle so they pay higher car insurance rates.

How to know if you need help

When choosing proper insurance coverage, there really is no cookie cutter policy. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out whether your personal situation could use an agent’s help.

  • Where can I find DUI or SR-22 insurance?
  • Is business equipment covered while in my vehicle?
  • When do I need to add a new car to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need more liability coverage?
  • When would I need additional glass coverage?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete your zip code. It’s fast, free and can provide invaluable advice.

Why you might not save $411 a year

Consumers can’t ignore all the ads for auto insurance savings by companies like State Farm, Allstate and GEICO. All the ads have a common claim that you can save if you move your coverage to them.

How does every company charge lower premium rates? You have to listen carefully.

Many companies have a certain “appetite” for the type of customer that earns them the highest profit. A good example of a driver they prefer may be a mature driver, owns a home, and drives a safe vehicle. Any driver who matches those parameters will probably get the lowest prices and will save when they switch companies.

Drivers who fall outside those standards may receive a more expensive rate which results in the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “all drivers who get quotes” save that much money. That’s why insurance companies can make it sound like they have such great car insurance rates. This illustrates why drivers must do a quote comparison often. It’s impossible to know which insurance companies will give you lower rates than your current company.

Car insurance 101

Having a good grasp of your policy aids in choosing appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from car insurance companies.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, funeral costs and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your 2023 Mercedes-Benz CLS-Class.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, theft, rock chips in glass, hitting a deer and a tree branch falling on your vehicle. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Liability auto insurance

Liability coverage protects you from damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

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 policy limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims such as court costs, repair costs for stationary objects, pain and suffering, funeral expenses and medical expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Auto collision coverage

This coverage covers damage to your CLS-Class from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as damaging your car on a curb, rolling your car, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

In conclusion

Cheap 2023 Mercedes-Benz CLS-Class insurance can be bought from both online companies as well as from independent agents, so you need to quote auto insurance with both in order to have the best chance of saving money. There are still a few companies who do not offer rate quotes online and these small, regional companies work with independent agencies.

As you prepare to switch companies, make sure you don’t reduce coverage to reduce premium. There are a lot of situations where someone sacrificed uninsured motorist or liability limits only to regret they didn’t purchase enough coverage. The aim is to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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