View 2010 Mercedes-Benz CL-Class Car Insurance Quotes

Searching for lower car insurance rates for your Mercedes-Benz CL-Class? When trying to find lower-priced insurance, are you overwhelmed by the sheer number of car insurance choices that you can choose from? Vehicle owners have so many options that it can easily become a real challenge to compare car insurance rates.

You should take the time to do price comparisons at least once a year because car insurance prices change quite often. If you had the lowest rate for CL-Class insurance a few years ago you can probably find a lower rate today. Block out anything you think you know about car insurance because it’s time to teach you the things you must know in order to save on car insurance.

How to lower your insurance coverage cost

When shopping for insurance coverage there are multiple ways to compare rate quotes from lots of insurance coverage companies. The fastest way to find cheaper 2010 Mercedes-Benz CL-Class rates is to jump online and get quotes. It is quite easy and can be accomplished using a couple different methods.

  1. Hands down the most simple method to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This form eliminates the need for boring form submissions for each company you want a rate for. Completing one form gets prices estimates from multiple low-cost companies. Recommended for those who want to invest the least amount of time.
  2. A different way to find lower rates is to manually visit each company’s website and request a quote. For sake of this example, let’s assume you want to compare rates from Auto-Owners, Allstate and GMAC. In order to get each rate, you would have to spend time on each company’s site to enter your coverage information, which is why most consumers use the first method. To view a list of companies in your area, click here.
  3. The old school method to price shop rates is going to each insurance agency near you. Comparing rate quotes online makes this process obsolete unless you’re the type of person who wants the professional abilities of a local agent. Drivers can find lower rates online but purchase the actual policy in an agency.

You can use whichever method you prefer to find lower rates, just ensure you are comparing identical coverages and limits for each quote you get. If your comparisons have different liability limits it will be impossible to make a fair comparison for your Mercedes-Benz CL-Class. Even a minor difference in insurance coverages or limits may result in large price differences. Just remember that comparing more rates from different companies helps locate a lower rate. Some smaller insurers to not give prices over the internet, so it’s recommended that you also compare prices from those companies as well.

Reduce your car insurance rates with discounts

Some insurance providers don’t always advertise every possible discount in an easy-to-find place, so the below list has some of the more common in addition to some of the lesser obvious credits available to you.

  • Auto/Home Discount – If you combine your auto and homeowners policies with the same company they may give you a discount of approximately 10% to 15%.
  • Driver Training Discounts – Taking a course in driver safety could save 5% or more and easily pay for the cost of the class.
  • Anti-lock Brake Discount – Cars with anti-lock braking systems are much safer to drive and will save you 10% or more.
  • Sign Online – Some of the larger companies will give you a small discount just for signing your application online.
  • Student in College – Children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
  • Early Signing – A few companies offer discounts for switching to them before your current expiration date. It could save around 10% when you buy car insurance online.

Discounts lower rates, but some credits don’t apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. Just because it seems like having all the discounts means you get insurance for free, you won’t be that lucky. But all discounts should help lower your policy premiums.

Some companies that have some of the above discounts include:

If you want the cheapest car insurance quotes, ask every insurance company to give you their best rates. Savings may not apply to policies in your area.

You are unique and your auto insurance should be too

When it comes to choosing the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.

Here are some questions about coverages that may help highlight if your insurance needs might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What is the difference between comprehensive and collision coverage?
  • When would I need additional glass coverage?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered by my spouse’s policy after a separation?
  • How much underlying liability do I need for an umbrella policy?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, fill out this quick form.

Insurance coverage specifics

Having a good grasp of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for expenses such as nursing services, hospital visits and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Mercedes-Benz CL-Class.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage – Collision coverage covers damage to your CL-Class caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like backing into a parked car, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages – This provides protection from damages or injuries you inflict on other people or property by causing an accident. It protects you against claims from other people. It does not cover your own vehicle damage or injuries.

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 limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount without having the split limit caps.

Liability coverage pays for claims such as loss of income, attorney fees and emergency aid. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.