How Much Does 2010 Mercedes-Benz CLS-Class Car Insurance Cost?

When looking for more affordable insurance, do you get confused by the number of insurance sources in your area? There are so many sources available that it can quickly become a big hassle to find the best prices.

Take advantage of every insurance coverage discount

Not many people think insurance is cheap, but you may qualify for discounts that you may not know about. Many discounts should be triggered when you purchase, but some must be requested specifically prior to getting the savings.

• Student Discounts – Excelling in school can get you a discount of up to 25%. This discount can apply until age 25.
• Discounts for New Vehicles – Insuring a vehicle that is new can save up to 30% since new vehicles have better safety ratings.
• Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
• Multiple Vehicles – Buying a policy with several vehicles with one company can get a discount for every vehicle.
• Early Signing – Some larger companies reward drivers for switching companies before your current expiration date. You could save around 10% when you buy insurance online.
• Driver’s Ed – It’s a good idea to have your young drivers participate in a local driver’s education class as it will make them better drivers and lower rates.
• Low Mileage Discounts – Driving fewer miles could be rewarded with cheaper prices.
• Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote compared to accident-prone drivers.
• Seat Belt Discounts – Using a seat belt and requiring all passengers to fasten their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.

Discounts save money, but please remember that most of the big mark downs will not be given to your bottom line cost. Some only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, that’s just not realistic. But all discounts should help lower your policy premiums.

To see providers who offer insurance coverage discounts, follow this link.

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How to know if you need help

When it comes to buying adequate coverage, there is no cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if your insurance needs might need professional guidance.

• What is the minimum liability in my state?
• Can I still get insurance after a DUI?
• Who is covered by my policy?
• Is my cargo covered for damage or theft?
• Am I covered when driving a rental car?
• How high should my medical payments coverage be?
• Is a new car covered when I drive it off the dealer lot?
• Do I need PIP coverage since I have good health insurance?
• Am I covered if I break a side mirror?
• Is my business laptop covered if it gets stolen from my vehicle?

If you can’t answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Car insurance in the media

Well-known car insurance companies like State Farm, Allstate and Geico endlessly run ads in print and on television. All the ads state the claim that drivers will save a bundle if you switch your car insurance coverage to their company. How can each company offer you a better deal? Here is the trick they use.

Most companies have specific criteria for the type of customer that will add to their bottom line. One example of this type of risk profile might be between 25 and 40, carries full coverage, and does not commute to work. A customer who meets those qualifications gets the lowest premium rates and have a good chance to save some money.

Consumers who do not fit these criteria may be forced to pay a higher premium with the end result being the customer not buying. The ads say “customers that switch” but not “everyone who gets a quote” save money. That is how insurance companies can advertise the way they do. Because each company has a different risk profile, you need to get as many free insurance quotes as possible. It is impossible to predict with any certainty which company will provide the lowest premium rates.

Auto insurance coverage breakdown

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive coverages

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

Comprehensive coverage protects against things like a broken windshield, damage from a tornado or hurricane and fire damage. The highest amount you can receive from a comprehensive claim 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.

Auto collision coverage

Collision insurance pays for damage to your CLS-Class caused by collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverages

Liability insurance will cover damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage protects against things like funeral expenses, structural damage and medical expenses. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as X-ray expenses, pain medications and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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The best insurance company isn’t always the cheapest

We just showed you a lot of techniques to save on 2010 Mercedes-Benz CLS-Class insurance. The most important thing to understand is the more you quote insurance, the better chance you’ll have of finding inexpensive insurance. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

When buying insurance coverage, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped full coverage to discover at claim time that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best cost, but don’t skip important coverages to save money.

Insureds change insurance companies for a number of reasons such as extreme rates for teen drivers, lack of trust in their agent, questionable increases in premium and not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

Much more information about car insurance is available at these links:

• Older Driver Statistics (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Credit Impacts Car Insurance Rates (State Farm)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Vehicle Size and Weight FAQ (iihs.org)

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