Cheaper 2018 Mercedes-Benz CLA-Class Insurance Rates

Searching for the cheapest auto insurance rates for your Mercedes-Benz CLA-Class? Are you irritated from scraping nickels together to pay auto insurance each month? Your situation is no different than most other vehicle owners.

With so many options when it comes to auto insurance, it’s difficult to choose the lowest cost insurance company.

Free car insurance rate quotes

When shopping for car insurance there are multiple ways to compare prices from many different insurance companies. The fastest way to find cheaper 2018 Mercedes-Benz CLA-Class rates consists of shopping online. It is quite easy and can be accomplished by using one of the methods below.

  1. If you are pressed for time, the simplest way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This method saves time by eliminating repetitive form entry for each company you want a rate for. One simple form will get you price quotes from multiple low-cost companies.
  2. A different way to get comparison quotes consists of going to each company website and request a quote. For examples sake, we’ll assume you want to compare prices for GEICO, Liberty Mutual and GMAC. In order to get each rate, you would have to go to each individual site and punch in your information repeatedly, which can be really labor intensive. For a list of links to insurance companies in your area, click here.
  3. The old school method to get rate quotes is driving around to each insurance agency near you. The ability to get quotes online reduces the need to sit down with an agent unless your situation requires the trained advice of a licensed agent. It is possible with some companies comparison shop online but have a local agent actually write the policy.

Which method you use is up to you, but try to keep nearly identical coverages for each quote you get. If you have different deductibles you will not be able to get a fair rate comparison. Slightly different insurance coverages or limits may result in large price differences. And when comparison shopping, comparing more rates from different companies helps locate a lower rate than you’re paying now.

It’s not one size fits all

When choosing the best insurance coverage coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

  • Am I covered if I break a side mirror?
  • How much liability coverage do I need in my state?
  • Should I bundle my homeowners policy with my auto?
  • Will filing a claim cost me more?
  • Do I have coverage when using my vehicle for my home business?
  • When would I need additional glass coverage?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Auto insurance coverage options for a 2018 Mercedes-Benz CLA-Class

Learning about specific coverages of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average auto insurance policy.

Uninsured and underinsured coverage – This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, 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. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as a broken windshield, theft and falling objects. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability car insurance – This can cover damage that occurs to other people or property. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things like repair bills for other people’s vehicles, medical expenses, loss of income, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision insurance covers damage to your CLA-Class caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses like chiropractic care, EMT expenses, prosthetic devices and nursing services. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay