1998 Mercedes-Benz CL-Class Insurance Quotes – 5 Tips to Save

Want cheaper insurance coverage rates for your Mercedes-Benz CL-Class? Beginners to buying insurance online could find shopping for low-cost insurance coverage quite challenging.

It’s important to check insurance coverage prices before your policy renews because prices change frequently. Even if you got the best rates for CL-Class coverage a couple years back you can probably find a better price now. Block out anything you think you know about insurance coverage because you’re about to learn the fastest and easiest way to eliminate unnecessary coverages and save money.

Policy discounts you shouldn’t miss

The cost of insuring your cars can be expensive, but there could be available discounts to help offset the cost. Larger premium reductions will be automatically applied at the time you complete a quote, but a few must be asked for before you will receive the discount.

  • Seat Belts Save more than Lives – Requiring all passengers to use their safety belts can save 10% or more off your PIP or medical payments premium.
  • Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for CL-Class coverage with a few car insurance companies.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. This discount can apply until age 25.
  • New Vehicle Savings – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Discounts for Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for CL-Class coverage than their less cautious counterparts.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.

Companies who might offer some of the above discounts are:

Double check with each insurance company how you can save money. Savings might not be offered everywhere.

Insurance agents can help

When choosing adequate coverage, there really is no “perfect” insurance plan. Every insured’s situation is different.

For instance, these questions might help in determining if your situation could use an agent’s help.

  • Is my Mercedes-Benz CL-Class covered if I use it for business?
  • When should my teen driver be added to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • What is medical payments coverage?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Is motorclub coverage worth it?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form.

What car insurance coverages do you need?

Understanding the coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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.

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. So UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as dental work, doctor visits, rehabilitation expenses, EMT expenses and X-ray expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for collisions

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as driving through your garage door, damaging your car on a curb, colliding with another moving vehicle, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Comprehensive car insurance

This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, a broken windshield, damage from flooding, a tree branch falling on your vehicle and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability car insurance

This coverage will cover damage that occurs to other’s property or people. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like repair costs for stationary objects, court costs, emergency aid and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

One last thing

When shopping online for car insurance, make sure you don’t buy poor coverage just to save money. There are too many instances where an accident victim reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

Consumers switch companies for many reasons like questionable increases in premium, high rates after DUI convictions, an unsatisfactory settlement offer and delays in responding to claim requests. No matter why you want to switch, finding the right car insurance provider can be pretty painless.

The cheapest 1998 Mercedes-Benz CL-Class insurance can be bought online and with local insurance agents, so you should compare both to get a complete price analysis. Some insurance providers do not offer online price quotes and these smaller companies work with independent agents.

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