View 2001 Mercedes-Benz CLK-Class Insurance Quotes

Shoppers have options when shopping for the lowest priced Mercedes-Benz CLK-Class insurance. You can either waste hours driving around to compare prices or leverage the internet to get rate quotes.

There is a better way to find auto insurance online and we’ll show you the absolute fastest way to quote coverages for a Mercedes-Benz and get the cheapest rates from local insurance agents and online providers.

If you have a policy now or need new coverage, you can learn to find better prices while maintaining coverages. This article will familiarize you with how to effectively get price quotes. Consumers just need to know the tricks to compare company rates online.

How to Get Car Insurance

There are several ways to compare Mercedes-Benz CLK-Class car insurance quotes, and some are less labor-intensive and much quicker. You can spend countless hours discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to get pricing more quickly.

All the larger companies take part in a program where insurance shoppers submit one quote, and at least one company returns a competitive quote based on the submitted data. This saves time by eliminating form submissions to every company.

To submit your quote information now, click here to start a free quote.

The only downside to getting quotes like this is you can’t choose the companies you want to price. So if you want to choose specific providers to compare rates, we have a page of car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using the exact same coverages for every quote you compare. If each company quotes mixed coverages then you won’t be able to truly determine the lowest rate.

Cut your auto insurance rates with discounts

Car insurance can cost a lot, but there could be available discounts to help offset the cost. Some trigger automatically at the time of purchase, but less common discounts must be inquired about before you get the savings. If you aren’t receiving every discount available, you are throwing money away.

  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current policy expires. The savings is around 10%.
  • Accident Waiver – A handful of insurance companies allow you one accident without raising rates so long as you haven’t had any claims for a certain period of time.
  • Seat Belt Usage – Drivers who require all occupants to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
  • Passive Restraints and Air Bags – Factory air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may save approximately 10% to 15%.

A little note about advertised discounts, some credits don’t apply the the whole policy. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will help reduce your overall premium however.

For a list of providers who offer auto insurance discounts, click here.

You are unique and your auto insurance should be too

When it comes to buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can help discover whether or not you might need professional guidance.

  • Do I pay less if my vehicle is kept in my garage?
  • Can I afford to buy a different vehicle if my 2001 Mercedes-Benz CLK-Class is totaled?
  • Is a new car covered when I drive it off the dealer lot?
  • When should I not file a claim?
  • Should I waive the damage coverage when renting a car?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Factors that might impact rates for a Mercedes-Benz CLK-Class

Consumers need to have an understanding of the rating factors that come into play when calculating the price you pay for insurance. Understanding what determines base rates allows you to make educated decisions that may reward you with much lower annual insurance costs.

The list below includes some of the items companies use to determine rates.

  • Safe vehicles cost less to insure – Cars with high safety ratings can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and more competitive rates for policyholders. If your Mercedes-Benz CLK-Class is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Marriage brings a discount – Having a wife or husband can actually save you money on insurance. Having a spouse usually means you are more responsible and statistics show drivers who are married are more cautious.
  • Keep rates low by being claim-free – If you are a frequent claim filer, you can pretty much guarantee higher rates. Car insurance companies award lower rates to policyholders who file claims infrequently. Insurance coverage is intended for the large, substantial claims.
  • Proper usage rating affects rates – The more you drive in a year the more you’ll pay to insure your vehicle. Almost all companies rate vehicles based upon how you use the vehicle. Cars not used for work or commuting receive lower rates than vehicles that are driven to work every day. Ask your agent if your insurance policy is showing the correct driver usage, because improper ratings can cost you money. Incorrect usage on your CLK-Class can cost quite a bit.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping car theft.
  • Do you need those extra coverages? – There are quite a few add-on coverages that you can buy when buying insurance. Coverages for personal injury protection, towing coverage and term life insurance may be costing you every month. They may seem good initially, but if they’re wasting money eliminate them to save money.

Learn about car insurance coverages for a Mercedes-Benz CLK-Class

Learning about specific coverages of your car insurance policy helps when choosing which coverages you need 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.

Liability car insurance

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as legal defense fees, medical services, court costs, structural damage and repair costs for stationary objects. How much coverage you buy is your choice, but buy higher limits if possible.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for ambulance fees, dental work, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage protection

Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as hitting a mailbox, sideswiping another vehicle, colliding with a tree, hitting a parking meter and rolling your car. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

Comprehensive auto coverage

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hail damage, fire damage, damage from getting keyed, damage from flooding and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Make an honest buck

Insureds leave their current company for a number of reasons such as high prices, extreme rates for teen drivers, questionable increases in premium or even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cost effective 2001 Mercedes-Benz CLK-Class insurance is possible on the web as well as from independent agents, so compare prices from both so you have a total pricing picture. A few companies don’t offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

When shopping online for insurance, you should never reduce coverage to reduce premium. In many cases, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big mistake. Your focus should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

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