View 2005 Mercedes-Benz CLK-Class Car Insurance Quotes

Finding cheaper insurance for your Mercedes-Benz CLK-Class can turn out to be an all-consuming task, but you can use our insurance buying tips to save time.

There is a better way to find insurance online and we’ll show you the absolute fastest way to quote coverages for your Mercedes-Benz and find the lowest possible price from local insurance agents and online providers.

It’s a great practice to shop coverage around occasionally since rates are constantly changing. Just because you found the best deal on CLK-Class insurance six months ago other companies may now be cheaper. There is a lot of bad information regarding insurance online but we’re going to give you the easiest ways to buy insurance cheaper.

Buying affordable coverage is simple if you know the tricks. If you are insured now or are shopping for new coverage, you can use these tips to shop for the lowest rates and still get good coverage. Drivers only need to know how to compare rates online.

Policy discounts you shouldn’t miss

The price of auto insurance can be rather high, buy you may qualify for discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be asked about before they will apply. If you don’t get every credit possible, you are paying more than you should be.

  • Bundle and Save – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
  • Drive Less and Save – Driving fewer miles can earn better rates on cars that stay parked.
  • Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
  • One Accident Forgiven – A handful of insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a certain period of time.
  • Government Employees – Active or retired federal employment can save as much as 8% on CLK-Class insurance with certain companies.
  • Senior Discount – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums on CLK-Class insurance.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in school.

Consumers should know that most of the big mark downs will not be given to all coverage premiums. Most cut individual premiums such as liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will bring down the amount you have to pay.

To see a list of insurance companies who offer car insurance discounts, click this link.

Factors determining your Mercedes-Benz CLK-Class insurance premium

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Teen drivers pay high rates – More mature drivers are viewed as being more responsible, file fewer claims and are safer drivers. Teenage drivers have a tendency to be careless and easily distracted when driving and because of this, their insurance coverage rates are much higher.
  • Multi-policy discounts can save money – Some companies give discounts to insureds who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, you may still want to comparison shop to verify if the discount is saving money. Drivers may still find a better deal by buying insurance coverage from a different company.
  • Your location is important – Residing in a rural area can save you money when talking about insurance coverage. Fewer people means fewer accidents and also fewer theft and vandalism claims. City drivers have traffic congestion and much longer commute distances. More time commuting translates into higher accident risk.
  • What are your deductibles? – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your Mercedes-Benz. Some examples of claims that would be covered are colliding with a building, damage caused by hail, or theft. The deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more the insured has to pay upfront, the bigger discount you will receive on CLK-Class insurance.
  • Safe vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Mercedes-Benz scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Occupation reflects on rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as lawyers, business owners and accountants tend to pay higher rates than average due to high stress and long work days. On the flip side, jobs such as pilots, athletes and homemakers have the lowest average rates on CLK-Class insurance.
  • Never go without insurance – Not having insurance is illegal and you will pay a penalty because you let your insurance lapse. Not only will you pay more, getting caught without coverage may earn you a revoked license or a big fine.You may need to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Insurance agents can help

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Your needs are not the same as everyone else’s.

These are some specific questions might point out whether you might need professional guidance.

  • Is borrowed equipment or tools covered if stolen or damaged?
  • What if I owe more than I can insure my car for?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my insurance cover my expensive audio equipment?
  • What if I don’t agree with a claim settlement offer?
  • Should I get collision insurance on every vehicle?
  • Do I need replacement cost coverage on my 2005 Mercedes-Benz CLK-Class?
  • When should my teen driver be added to my policy?
  • Do I have coverage if my license is suspended?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Insurance coverage options for a Mercedes-Benz CLK-Class

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Medical expense insurance

Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, doctor visits, EMT expenses, nursing services and chiropractic care. They can be utilized in addition to your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from getting keyed, hail damage and a tree branch falling on your vehicle. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CLK-Class.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits do not exceed the liability coverage limits.

Collision protection

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

Collision can pay for claims such as scraping a guard rail, driving through your garage door, sustaining damage from a pot hole, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability coverages

This coverage can cover injuries or damage you cause to a person or their property that is your fault. It protects you from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as pain and suffering, loss of income and court costs. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Save your cold hard cash

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In many instances, consumers will sacrifice comprehensive coverage or liability limits and learned later they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate while still protecting your assets.

People leave their current company for many reasons like delays in responding to claim requests, extreme rates for teen drivers, not issuing a premium refund or policy non-renewal. Regardless of your reason for switching companies, finding a new insurance coverage company can be easier than you think.

Budget-conscious 2005 Mercedes-Benz CLK-Class insurance is attainable both online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and usually these smaller companies provide coverage only through local independent agents.

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