View 2015 Mercedes-Benz CLS-Class Car Insurance Quotes

Trying to find cheaper insurance for a new or used Mercedes-Benz CLS-Class can normally be a lot of work, but you can use these tips to make it easier.

There is a better way to buy auto insurance and you need to know the absolute fastest way to quote coverages for a Mercedes-Benz and locate the lowest possible price from local insurance agents and online providers.

If you have a policy now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Finding the best insurance coverage coverage is quite easy. Consumers only need to know the most efficient way to compare company rates on the web.

Insurance companies offer lots of discounts

Car insurance is not cheap, but there could be significant discounts to help offset the cost. Some discounts will apply at the time of quoting, but a few need 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 reduce rates for all insured vehicles.
• Buy New and Save – Insuring a vehicle that is new can be considerably cheaper because new vehicles have to meet stringent safety requirements.
• Multi-line Discount – Select insurance companies reward you with a break if you buy auto and life insurance together.
• No Charge for an Accident – Not a discount per se, but a handful of insurance companies will forgive one accident before your rates go up with the catch being you have to be claim-free before the accident.
• Paperless Signup – A handful of insurance companies will give you a small discount for completing your application digitally online.
• College Student – Older children who live away from home at college and won’t have access to an insured vehicle can receive lower rates.
• Payment Discounts – If you pay your entire premium ahead of time as opposed to paying monthly you can avoid the installment charge.
• Discount for Swiching Early – Some larger companies provide a discount for switching to them before your current coverage expires. This discount can save up to 10%.
• Professional Memberships – Joining a professional or civic organization could qualify you for a break when shopping for insurance.
• No Claim Discounts – Drivers with accident-free driving histories have much lower rates when compared to accident-prone drivers.

It’s important to understand that most discounts do not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. Despite the appearance that you would end up receiving a 100% discount, it doesn’t quite work that way.

Some of the insurance companies that may offer some of the discounts shown above are:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

If you want inexpensive insurance quotes, ask each company or agent to give you their best rates. Savings may not apply to policyholders in every state. To see a list of companies with discount insurance rates, follow this link.

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Low cost auto insurance price quotes online

Shopping for lower auto insurance rates is a ton of work if you aren’t aware of the best way to get rate quotes. You can waste hours driving to agents in your area, or you can stay home and use the internet to get rates in a matter of minutes.

Most of the best insurance companies belong to an insurance system where prospective buyers submit one quote, and at least one company can give them a price based on that data. This prevents consumers from doing form submissions to every company. To compare rates now click here (opens in new window).

The one disadvantage to pricing coverage this way is you don’t know exactly the companies you want to price. If you prefer to choose specific providers to receive pricing from, we have assembled a list of the cheapest auto insurance companies in your area. Click to view list.

It’s up to you which method you use, but ensure you’re using the same coverage data with each company. If your comparisons have different coverage information it will be impossible to make a fair comparison for your Mercedes-Benz CLS-Class.

Do I just need basic coverages?

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

• Should I have combined single limit or split liability limits?
• Should I carry comprehensive and collision coverage?
• Am I covered when delivering products for my home-based business?
• What is UM/UIM insurance?
• Where can I find high-risk insurance?
• When should I buy a commercial auto policy?
• Does my car insurance cover rental cars?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Car insurance coverage specifics

Having a good grasp of car insurance can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be confusing and reading a policy is terribly boring.

Liability coverage – This provides protection from damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, court costs, emergency aid, repair bills for other people’s vehicles and funeral expenses. How much coverage you buy is a personal decision, but buy higher limits if possible.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills like funeral costs, hospital visits, ambulance fees and nursing services. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage – Collision coverage covers damage to your CLS-Class from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, damaging your car on a curb, hitting a parking meter, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like falling objects, damage from flooding, fire damage, a broken windshield and vandalism. The most a car insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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A penny earned…

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There have been many cases where an insured cut collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal is to find the BEST coverage for the lowest cost, but don’t skip important coverages to save money.

Consumers leave their current company for a variety of reasons including high rates after DUI convictions, high prices, poor customer service and unfair underwriting practices. No matter why you want to switch, choosing a new insurance company can be easier than you think.

Lower-priced car insurance can be found online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer rates over the internet and many times these smaller providers work with local independent agents.

More tips and info about car insurance can be read at these sites:

• Teen Driving and Texting (State Farm)
• What is a Telematics Device? (Allstate)
• Medical Payments Coverage (Liberty Mutual)
• A Tree Fell on Your Car: Now What? (Allstate)
• Liability Insurance Coverage (Nationwide)

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