2016 Mercedes-Benz CLA-Class Car Insurance Rates

Trying to find cheaper car insurance rates for your Mercedes-Benz CLA-Class? If you’ve never shopped for car insurance quotes online, chances are good that you are overwhelmed because of the huge number of online companies selling insurance.

It’s a good idea to do rate comparisons quite often because insurance prices tend to go up over time. Despite the fact that you may have had the lowest price on CLA-Class insurance a year ago the chances are good that you can find a lower rate today. You can find a lot of information about car insurance on the web, but I’m going to show you a bunch of ideas how to stop overpaying for insurance.

Compare quotes for car insurance

Effectively comparing car insurance prices can take time and effort if you don’t utilize the fastest way to get free quotes. You could spend your day driving to insurance agencies in your area, or you could use the internet to get pricing more quickly.

Most of the larger companies participate in an industry program where prospective buyers only type in their quote data once, and at least one company can provide price quotes based on that data. This eliminates the need for repetitive form submissions to each individual car insurance company. To access this free quoting program, click here (opens in new window).

The one disadvantage to using this type of system is buyers cannot specifically choose which providers you want pricing from. So if you prefer to choose from a list of companies to request quotes from, we put together a list of the cheapest car insurance companies in your area. Click to view list.

Whichever way you choose to compare rates, do your best to enter identical coverages for each price quote. If the quotes have different deductibles you will not be able to find the best deal for your Mercedes-Benz CLA-Class. Slightly different insurance coverages or limits may result in large price differences. And when quoting car insurance, remember that comparing more quotes will increase your chances of finding a better price.

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These discounts can reduce insurance coverage rates

Companies that sell car insurance don’t always advertise every discount they offer very clearly, so the list below gives a summary of some of the best known and also the more inconspicuous discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you are just wasting money.

• Defensive Driver Discount – Participating in a course teaching defensive driving skills could save 5% or more depending on where you live.
• Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may qualify for discounts of 20% or more.
• Responsible Driver Discounts – Drivers who don’t get into accidents can save as much as half off their rates on CLA-Class insurance compared to rates paid by drivers with frequent claims.
• Discount for New Cars – Buying a new car model may earn a small discount since new model year vehicles are generally safer.
• Bundle and Save – If you have multiple policies and place coverage with the same company you may earn nearly 15% which can help you find cheaper car insurance.
• More Vehicles More Savings – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
• Distant Student – Youth drivers who attend college more than 100 miles from home and won’t have access to an insured vehicle could qualify for this discount.
• Low Mileage Discounts – Fewer annual miles on your Mercedes-Benz can qualify you for better prices on cars that stay parked.
• Accident Waiver – but companies like State Farm and Progressive may permit one accident without the usual rate increase if you are claim-free for a particular time prior to the accident.

As is typical with insurance, most discount credits are not given to the overall cost of the policy. Some only reduce individual premiums such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way.

A list of companies and a summarized list of policyholder discounts are included below.

• Travelers may have discounts that include driver training, save driver, good student, home ownership, payment discounts, student away at school, and multi-car.
• 21st Century has savings for early bird, defensive driver, automatic seat belts, theft prevention, anti-lock brakes, and homeowners.
• State Farm may include discounts for accident-free, good driver, Drive Safe & Save, driver’s education, good student, Steer Clear safe driver discount, and multiple autos.
• Geico offers discounts including federal employee, military active duty, multi-policy, anti-lock brakes, and defensive driver.
• SAFECO policyholders can earn discounts including multi-car, safe driver, bundle discounts, teen safe driver, anti-theft, and anti-lock brakes.
• AAA discounts include good student, pay-in-full, education and occupation, multi-policy, and anti-theft.

When getting free car insurance quotes, it’s a good idea to each insurance company the best way to save money. Some discounts may not be available in every state. To locate insurers offering insurance coverage discounts, follow this link.

What impacts Mercedes-Benz CLA-Class insurance prices?

An important part of buying insurance is that you know the different types of things that are used to determine the level of your policy premiums. If you have a feel for what determines base rates, this enables you to make decisions that could help you find better car insurance rates. Lots of things are used in the calculation when premium rates are determined. Most are fairly basic like your driving record, although others are less obvious like where you live or how safe your car is.

The factors shown below are some of the major factors used by insurance companies to determine premiums.

• You might want pay the small insurance claims yourself – If you file a lot of claims you should expect either policy cancellation or increased premiums. Car insurance companies provide discounts to drivers that do not abuse their auto insurance. Insurance coverage is intended for more catestrophic claims.
• Reduce car insurance rates by driving cars with good safety ratings – Vehicles with good safety scores tend to have better insurance rates. These vehicles help reduce the chance of injuries in an accident and any reduction in injury severity translates into fewer and smaller insurance claims which can result in lower premiums. If your Mercedes-Benz earned at least four stars on Safercar.gov it may be receiving lower rates.
• What are good liability limits? – The liability section of your policy will protect you if you are responsible for personal injury or accident damage. Your liability coverage provides legal defense coverage starting from day one. This coverage is very inexpensive compared to physical damage coverage, so do not cut corners here.
• Policy add-ons may not be needed – There are many extra add-on coverages you can purchase if you aren’t diligent. Insurance for personal injury protection, accident forgiveness, and motor club memberships may not be needed and are just wasting money. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past eliminate the coverages to reduce your premium.
• Occupation reflects on rates – Occupational choices like military personnel, business owners and accountants generally have higher premium rates attributed to high stress and long work days. On the flip side, jobs such as actors, athletes and performers get better rates on CLA-Class insurance.
• Never go without car insurance – Driving without insurance is not a good idea and car insurance companies will penalize you for letting your insurance coverage expire. And not only will your rates increase, the inability to provide proof of insurance could result in a revoked license or a big fine.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions could help you determine if your insurance needs may require specific advice.

• Will I be non-renewed for getting a DUI or other conviction?
• What is high-risk coverage and where do I buy it?
• What is medical payments coverage?
• What can I do if my company denied a claim?
• Am I covered if hit by an uninsured driver?
• Who is covered by my policy?
• At what point should I drop full coverage?
• Can I afford low physical damage deductibles?
• When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

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Don’t listen to company ads

Big name companies like 21st Century, Allstate and State Farm endlessly run ads on television and other media. They all advertise the message about saving some big amount just by moving your coverage to them. It sounds good, but how can they all have lower policy pricing? This is how they do it.

All companies require specific criteria for the type of customer that will generate a profit. A good example of a profitable insured might be a married male, has no driving citations, and has excellent credit. Any person who fits that profile will qualify for the lowest car insurance rates and will save a lot of money.

People who may not quite match the ideal profile will be charged more expensive rates which usually ends up with business going elsewhere. Company advertisements say “customers that switch” but not “everyone who gets a quote” save that kind of money. That is how insurance companies can lure you into getting a quote. Because of the profiling, you really need to quote coverage with many companies. It’s impossible to know with any certainty which company will have the best car insurance rates.

Learn about insurance coverages for a 2016 Mercedes-Benz CLA-Class

Learning about specific coverages of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive coverage

This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane, damage from flooding, damage from getting keyed and hail damage. The maximum 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.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as nursing services, X-ray expenses, rehabilitation expenses and surgery. They are often used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

Collision insurance will pay to fix damage to your CLA-Class resulting from a 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 crashing into a ditch, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants 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 2016 Mercedes-Benz CLA-Class.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Liability

This coverage can cover damages or injuries you inflict on other people or property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability can pay for things like repair bills for other people’s vehicles, legal defense fees, funeral expenses and bail bonds. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Be a Smart Shopper

People leave their current company for any number of reasons including extreme rates for teen drivers, poor customer service, high rates after DUI convictions or being labeled a high risk driver. Whatever your reason, finding a new car insurance company can be easier than you think.

We’ve covered many ideas to shop for 2016 Mercedes-Benz CLA-Class insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even find the lowest premium rates come from some of the lesser-known companies.

Cheaper car insurance is available both online and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not offer online quoting and most of the time these regional insurance providers only sell coverage through independent insurance agencies.

To learn more, take a look at the resources below:

• State Car Insurance Guides (Geico)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Vehicle Insurance (Wikipedia)
• Should I Buy a New or Used Car? (Allstate)
• Side Impact Crash Tests (iihs.org)

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