2024 Mercedes-Benz CLA-Class Insurance Quotes – 10 Tips for Cheapest Rates

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: Jun 3, 2024

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Online rate comparisons for low cost car insurance can seem complicated if you’ve never compared online rate quotes. Don’t let that stop you because comparing prices is actually very simple.

Verify you’re getting every discount

Insurance is expensive, but there are discounts available to reduce the price significantly. Some trigger automatically when you complete an application, but once in a while a discount must be asked for before you get the savings.

  • Discounts for Federal Employees – Simply working for the federal government could qualify for a slight premium decrease for CLA-Class insurance with select insurance companies.
  • College Student Discount – who live away from home at college and leave their car at home may qualify for this discount.
  • Driver’s Education for Students – Cut your cost by having your teen driver participate in a local driver’s education class in high school.
  • Save with More Vehicles Insured – Buying insurance for multiple cars on one policy may reduce the rate for each vehicle.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
  • Bundled Policy Discount – If you insure your home and vehicles and place coverage with the same company they may give you a discount of up to 20% and get you cheaper car insurance.
  • Low Miles Discount – Keeping the miles down on your Mercedes-Benz could be rewarded with discounted rates on garaged vehicles.
  • Include Life Insurance and Save – Insurance companies who offer life insurance give a lower price if you buy life insurance.
  • Early Payment Discounts – By paying your entire bill at once instead of making monthly payments you may reduce your total bill.
  • Own a Home – Just owning your own home may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.

Consumers should know that some credits don’t apply to the entire policy premium. Most only cut individual premiums such as comp or med pay. Even though the math looks like you could get a free insurance policy, nobody gets a free ride.

A list of insurance companies and a selection of discounts are:

  • State Farm discounts include Drive Safe & Save, student away at school, accident-free, multiple policy, driver’s education, defensive driving training, and anti-theft.
  • American Family offers premium reductions for multi-vehicle, Steer into Savings, early bird, accident-free, good student, bundled insurance, and air bags.
  • GEICO may have discounts that include defensive driver, military active duty, seat belt use, multi-policy, and multi-vehicle.
  • 21st Century includes discounts for 55 and older, air bags, good student, automatic seat belts, student driver, and anti-lock brakes.
  • Progressive offers discounts including good student, continuous coverage, homeowner, online signing, multi-vehicle, multi-policy, and online quote discount.

When getting a coverage quote, ask all companies you are considering how you can save money. Depending on the company, some discounts may not apply to policyholders everywhere.

How to get low cost insurance coverage

Effectively comparing insurance coverage prices is a ton of work if you don’t know the fastest way to get free quotes. You could spend your day driving to insurance agencies in your area, or you could save time and use the internet to quickly compare rates.

Many of the larger companies enroll in a system that enables customers to submit their information once, and every company returns a competitive quote for coverage. This eliminates the need for repetitive form submissions to each individual insurance coverage company.

To access this free quoting program, enter your zip code here.

The only downside to getting quotes like this is that consumers can’t choose the insurers to receive prices from. So if you want to choose specific insurance companies to compare, we put together a list of the cheapest insurance coverage companies in your area. Click to enter zip code.

The approach you take is up to you, just try to keep the exact same coverages for every company. If you use mixed coverages it will be next to impossible to make a fair comparison for your Mercedes-Benz CLA-Class. Quoting even small variations in insurance coverages or limits may result in a large different in cost. Keep in mind that more quotes helps you find the best price. Some regional insurers cannot provide price estimates online, so it’s important to also get quotes from those companies as well.

When should I discuss my situation with an agent?

When choosing adequate coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether you could use an agent’s help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Do I have coverage for damage caused while driving under the influence?
  • Is my dog or cat covered if injured in an accident?
  • What exactly is covered by my policy?
  • Where can I get insurance after a DUI in my state?
  • If my 2024 Mercedes-Benz CLA-Class is totaled, can I afford another vehicle?
  • How much liability insurance is required?
  • Do I benefit by insuring my home with the same company?
  • Do all my vehicles need collision coverage?
  • What is no-fault insurance?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and enter your zip code.

Don’t listen to company ads

Insurance companies such as Progressive, GEICO, Allstate and State Farm endlessly run ads on TV and radio. They all seem to convey the message about saving some big amount if you change your policy. How does each company have lower policy pricing? It’s all in the words they use.

Different companies look for specific characteristics for the type of customer that is profitable for them. One example of a profitable insured might have to be over the age of 40, has a clean driving record, and has a short commute. A customer that meets those criteria may get the lowest rates and will probably save a lot if they switch.

Potential insureds who cannot meet the requirements may be required to pay higher premiums and this can result in business not being written. If you listen to the ad wording, they say “customers who switch” but not “all drivers who get quotes” save that much when switching. That’s why companies can truthfully make those claims. Because of this risk profiling, you need to get price quotes at each policy renewal. You cannot predict which insurance company will have the best rates.

Detailed coverages of your car insurance policy

Knowing the specifics of car insurance helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, a broken windshield, a tree branch falling on your vehicle, hail damage and fire damage. The maximum payout your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CLA-Class.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged property.

Liability insurance covers claims such as loss of income, repair bills for other people’s vehicles, attorney fees, structural damage and bail bonds. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Collision coverage

Collision coverage pays for damage to your CLA-Class from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for ambulance fees, dental work and prosthetic devices. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Power to the consumer

Consumers change insurance companies for many reasons like being labeled a high risk driver, poor customer service, lack of trust in their agent or denial of a claim. Whatever your reason, switching companies is pretty simple and you could end up saving a buck or two.

We just presented quite a bit of information on how to compare 2024 Mercedes-Benz CLA-Class insurance auto insurance rates online. The key concept to understand is the more times you quote, the better chance you’ll have of finding cheaper car insurance. Consumers could even find that the best auto insurance rates are with an unexpected company.

The cheapest 2024 Mercedes-Benz CLA-Class insurance is definitely available both online in addition to local insurance agencies, and you should compare rates from both to have the best chance of lowering rates. Some companies do not provide price quotes online and most of the time these small, regional companies sell through independent agents.

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