Finding better insurance prices for a new or used Mercedes-Benz CLK-Class can be an all-consuming task, but you can learn our car insurance buying tips and make it easy.
There are more efficient ways to find car insurance online and we’ll show you the absolute fastest way to get price quotes for your Mercedes-Benz and locate the cheapest rates from both online companies and local agents.
It’s important to compare rates before your policy renews due to the fact that insurance rates change quite often. Even if you think you had the lowest rates on CLK-Class insurance two years ago you may be paying too much now. So just block out anything you think you know about car insurance because we’re going to show you how to quote online to save money, get proper coverage and the best rates.
All the larger car insurance companies provide coverage prices online. The process is quite easy as you simply enter the amount of coverage you want into a form. After the form is submitted, the system gets your driving and credit reports and generates a price based on many factors.
This makes comparing rates easy, but the time required to go to many different websites and fill out multiple forms can be a bit repetitive. But it’s absolutely necessary to do this in order to get the lowest car insurance rates.
The better way to compare rates
The smarter way to compare car insurance pricing makes use of a single form that analyzes rates from more than one company. It’s a real time-saver, requires less work, and makes online quotes much more enjoyable and efficient. Once the form is submitted, it is rated and you can select your choice of the quote results.
If the quotes result in lower rates, you can click and sign and purchase coverage. The whole process can be completed in a matter of minutes and could lower your rates considerably.
To get comparison pricing now, click here and complete the simple form. If you currently have coverage, we recommend you input coverages and limits exactly as they are listed on your policy. This ensures you’re receiving an apples-to-apples comparison for similar insurance coverage.
Properly insuring your vehicles can get expensive, but you can get discounts to help offset the cost. Some discounts apply automatically at the time you complete a quote, but less common discounts must be requested specifically before you get the savings. If you’re not getting every credit you qualify for, you are paying more than you should be.
It’s important to note that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies wouldn’t make money that way. Any amount of discount will bring down the amount you have to pay.
Car insurance companies that possibly offer these discounts include:
Before buying, ask all companies you are considering which discounts they offer. Savings may not apply in your state.
When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Your needs are not the same as everyone else’s.
For example, these questions may help you determine if you could use an agent’s help.
If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.
Understanding the coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage provides protection 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 2003 Mercedes-Benz CLK-Class.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Most of the time these limits are set the same as your liablity limits.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like ambulance fees, dental work, funeral costs and nursing services. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers 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
Liability car insurance – This protects you from damage or injury you incur to other people or property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability insurance covers claims like repair bills for other people’s vehicles, court costs and attorney fees. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.
Collision coverage – This will pay to fix damage to your CLK-Class from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against claims such as backing into a parked car, rolling your car, sideswiping another vehicle, crashing into a ditch and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.
Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims like damage from a tornado or hurricane, rock chips in glass, vandalism and theft. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.