2015 Mercedes-Benz CLS-Class Car Insurance Quotes – 9 Policy Discounts

Searching for better insurance rates for your Mercedes-Benz CLS-Class? Finding cheap insurance online can seem to be impossible for people who are new to shopping for insurance online. When there are so many insurers to choose from, how can anyone have a chance to compare them all to find the lowest price available?

It’s a great practice to compare rates periodically because prices trend upward over time. If you had the best price for CLS-Class coverage last year a different company probably has better rates today. Block out anything you think you know about insurance because you’re about to learn the easiest way to properly buy coverages while reducing your premium.

Finding affordable coverage is not that difficult. If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Nevertheless, car owners can benefit by having an understanding of how big insurance companies sell online and apply this information to your search.

How to Compare Insurance Coverage Costs

There are a variety of methods you can shop for 2015 Mercedes-Benz CLS-Class insurance coverage but some are less labor-intensive and much quicker. You could spend your day talking to local insurance agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

Most major companies enroll in a system that enables customers to complete one form, and at least one company returns a competitive quote based on the submitted data. This system prevents you from having to do quote requests to each individual insurance coverage company. To compare 2015 Mercedes-Benz CLS-Class rates using this form now click here to open in new window.

The one disadvantage to using this type of form is you don’t know exactly which companies to get quotes from. If you wish to select specific providers to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

However you get your quotes, ensure you’re using identical coverage limits and deductibles with each company. If each company quotes different values for each quote then you won’t be able to truly determine the lowest rate. Quoting even small variations in limits could mean much higher rates. Just keep in mind that more quotes will enable you to find the best rates.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage, there isn’t really a best way to insure your cars. Every insured’s situation is different.

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

  • Is my 2015 Mercedes-Benz CLS-Class covered for smoke damage?
  • What is medical payments coverage?
  • Does having multiple vehicles earn me a discount?
  • Do all my vehicles need collision coverage?
  • Who is covered when they drive my 2015 Mercedes-Benz CLS-Class?
  • Are split liability limits better than a combined single limit?
  • Does insurance cover damages from a DUI accident?
  • Does car insurance cover theft of personal property?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

What insurance coverages do you need?

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz CLS-Class.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Liability – This coverage can cover damages or injuries you inflict on people or other property. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, emergency aid, structural damage and loss of income. How much coverage you buy is your choice, but buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, a broken windshield, hail damage and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – This pays for damage to your CLS-Class from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like damaging your car on a curb, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills like funeral costs, hospital visits and surgery. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage