2013 Mercedes-Benz CL-Class Insurance Rates in 2024 – 10 Ways to Save

Want lower auto insurance rates for your Mercedes-Benz CL-Class? Pretty sure you bought high-priced auto insurance? It’s a common feeling and there are lots of people in the same boat.

Because you have many different company options, it is hard for the average consumer to locate the lowest cost company.

How to get car insurance quotes

There are several ways to shop for car insurance, but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to local insurance agents in your area, or you can utilize the internet for quick rates.

Most car insurance companies participate in an industry program where insurance shoppers submit their information once, and each company returns a competitive quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now enter your zip code here.

The one disadvantage to getting quotes like this is buyers cannot specifically choose which companies you will receive quotes from. So if you want to select specific insurance companies to request quotes from, we put together a list of companies who write car insurance in your area. Click to enter zip code.

The approach you take is up to you, just be sure to compare the exact same quote data on every quote you get. If your comparisons have different coverage information then you won’t be able to determine which rate is truly the best. Just slight variations in insurance coverages or limits can result in a big premium difference. And when price shopping your coverage, comparing all the rates in your area helps improve the odds of finding a better price.

But they said I’d save $495 a year!

Popular auto insurance providers such as 21st Century, Allstate and State Farm consistently run ads on TV and radio. All the companies state the claim that drivers can save some big amount if you switch your auto insurance coverage to their company. How is it possible that every company can charge you less for car insurance? It’s all in the numbers.

Insurance companies have specific criteria for the type of customer that will most likely be profitable. For example, a profitable risk profile might be described as married and over the age of 30, owns their home, and drives a car with an anti-theft system. Any driver who matches those parameters will get low premium rates and as a result will probably cut their rates if they switch.

Potential insureds who do not match this ideal profile will have to pay a more expensive rate and ends up with the customer not purchasing. If you listen to the ad wording, they say “customers who switch” but not “everyone who gets a quote” save that much money. That’s the way companies can make those statements.

This illustrates why you need to compare many company’s car insurance rates. It’s impossible to know which auto insurance company will have the lowest rates for your situation.

More discounts mean cheaper premiums

Insurance is easily one of your largest bills, but you might already qualify for some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but once in a while a discount must be asked for prior to getting the savings.

• Early Switch Discount – A few larger companies give discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get car insurance quotes online.
• Defensive Driver Discount – Completing a course in safe driver may get you a small discount and easily pay for the cost of the class.
• Military Deployment Discount – Being on active duty in the military could be rewarded with lower insurance rates.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
• College Student – Youth drivers who live away from home to go to college and won’t have access to an insured vehicle can receive lower rates.
• Theft Prevention System – Cars with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
• Drivers Ed for Students – Require your teen driver to participate in a local driver’s education class if it’s offered in school.
• Senior Citizen Discount – Mature drivers may be able to get a discount up to 10% for CL-Class coverage.
• Homeowners Savings – Owning your own home or condo can save you money because maintaining a house is proof of financial responsibility.
• Multiple Policy Discount – If you combine your auto and homeowners policies with one insurance company you could earn a discount of at least 10 to 15 percent or more.

It’s important to note that most of the big mark downs will not be given to all coverage premiums. Some only reduce individual premiums such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, that’s just not realistic. But any discount will cut the cost of coverage.

To see insurance companies that can offer you the previously mentioned discounts, enter your zip code here.

It’s not one size fits all

When it comes to choosing coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine whether you might need an agent’s assistance.

• Is rental equipment covered for theft or damage?
• When do I need to add a new car to my policy?
• How does medical payments coverage work?
• How can I find cheaper teen driver insurance?
• If my 2013 Mercedes-Benz CL-Class is totaled, can I afford another vehicle?
• Does my policy cover my teen driver if they drive my company car?
• Does insurance cover damages from a DUI accident?
• Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete your zip code.

Coverage specifics

Knowing the specifics of auto insurance can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. These are typical coverages available from auto insurance companies.

Comprehensive coverage – Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as vandalism, falling objects and hail damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverage – This covers damage to your CL-Class caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as sideswiping another vehicle, backing into a parked car and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical payments coverage and PIP – Med pay and PIP coverage pay for bills such as surgery, chiropractic care and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Auto liability – Liability insurance will cover damage that occurs to other’s property or people that is your fault. It protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property. Occasionally you may see a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like emergency aid, structural damage, repair bills for other people’s vehicles, loss of income and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Mercedes-Benz CL-Class.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Pennies from heaven

We covered a lot of tips how to get a better price on 2013 Mercedes-Benz CL-Class insurance. The key thing to remember is the more times you quote, the better your chances of lowering your rates. Drivers may discover the most savings is with a small mutual company. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate or State Farm.

Some insurance providers do not offer online rate quotes and most of the time these smaller companies sell through independent agents. Low-cost 2013 Mercedes-Benz CL-Class insurance can be bought on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture.

When searching for low cost car insurance quotes, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at the best price, but do not skimp to save money.