2014 Mercedes-Benz CL-Class Insurance Rates in 2024 – 8 Tips to Save

Drivers have lots of choices when trying to find the best price on Mercedes-Benz CL-Class insurance. You can either waste hours driving around to get rate comparisons or save time using the internet to compare rates. There are both good and bad ways to find insurance coverage online and you need to know the absolute fastest way to price shop coverage on a Mercedes-Benz and locate the cheapest rates either online or from local insurance agents.

If you have a policy now or need a new policy, you can learn to find better prices and possibly find even better coverage. The purpose of this post is to help educate you on how to get online quotes and some tricks to saving. Consumers only need an understanding of the most efficient way to shop online.

Buy insurance online

Finding a better price on insurance is not a difficult process. You just have to spend a little time to get quotes provided by online insurance companies. This can easily be done in a couple of different ways.

The easiest and least time consuming way to get quotes for comparison would be an industry-wide quote request form. This quick form saves time by eliminating a different quote for every insurance company. One form gets you coverage quotes direct from many companies. It’s the quickest way to get rates.

A more difficult way to shop for insurance online consists of visiting each company website and get a separate price quote. For examples sake, we’ll pretend you want to compare prices for Auto-Owners, GEICO and Progressive. To get rate quotes you would need to go to each individual site to enter your coverage information, which can take a lot of time.

The final method to price shop rates is physically going to all the different insurance agencies. Quoting and buying insurance online has made agencies unnecessary unless you want the guidance of an agent trained in personal lines coverage. It is possible with some companies comparison shop online and get advice from an agent in your area.

It doesn’t matter which method you choose, just make absolute certain that you use identical information for every company. If each company quotes mixed coverages it’s not possible to make a fair comparison for your Mercedes-Benz CL-Class.

Insurance coverage rates and discounts

Buying insurance coverage is not cheap, but you might find some hidden discounts that you may not even be aware of. Certain reductions will be credited when you purchase, but once in a while a discount must be asked about before you will receive the discount.

• Bundle and Save – If you can bundle your home and auto insurance with one insurance company you could save approximately 10% to 15%.
• Savings for New Vehicles – Insuring a vehicle that is new is cheaper because newer vehicles are generally safer.
• Discounts for Cautious Drivers – Drivers without accidents may save up to 50% more on CL-Class coverage as compared to drivers with claims.
• Accident-Free Discounts – Insureds who avoid accidents and claims pay less in comparison with insureds who have frequent claims or accidents.
• Pay Upfront and Save – If you can afford to pay the entire bill instead of making monthly payments you may reduce your total bill.
• Senior Citizen Rates – Drivers over the age of 55 could receive a small discount on rates on CL-Class coverage.
• Defensive Driver Discounts – Participating in a course in safe driver may get you a small discount if you qualify.
• Membership in Organizations – Having an affiliation with a civic or occupational organization could qualify you for a break when shopping for insurance coverage.

You should keep in mind that most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like it’s possible to get free car insurance, it just doesn’t work that way.

A few companies that may offer quotes with most of these discounts include:

• GEICO
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

Double check with every prospective company what discounts are available to you. Some discounts listed above might not be offered in your area.

Situations that may require an agent’s advice

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every situation is different.

For example, these questions might point out whether you would benefit from an agent’s advice.

• Is pleasure use cheaper than using my 2014 Mercedes-Benz CL-Class to commute?
• If my 2014 Mercedes-Benz CL-Class is totaled, can I afford another vehicle?
• What vehicles should carry emergency assistance coverage?
• Am I covered when driving on a suspended license?
• Am I covered if hit by an uninsured driver?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Is business equipment covered while in my vehicle?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find an agent in your area, simply complete your zip code. It’s fast, doesn’t cost anything and can provide invaluable advice.

Buyer beware of auto insurance advertising tricks

Consumers get pounded daily by advertisements that promise big savings by State Farm and Allstate. All the companies state the claim that you can save if you just switch your policy.

How is it plausible that every one can say the same thing? Just pay attention to how they say it.

All companies quote the lowest rates for the type of insured that earns them the highest profit. An example of a desirable risk could possibly be between the ages of 30 and 45, owns their home, and does not commute to work. Any driver who matches that profile will probably get cheap prices and is almost guaranteed to cut their rates if they switch.

Potential customers who don’t meet these standards will be quoted higher premium rates which results in the prospect going elsewhere. If you listen closely, the ads state “drivers who switch” not “everyone that quotes” save the amount stated. That’s why companies can truthfully make claims that they all have the best car insurance rates. Because of this risk profiling, you really should compare as many free insurance quotes as you can. It is impossible to guess which insurance companies will have the lowest rates.

Car insurance coverage considerations

Learning about specific coverages of car insurance aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage 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.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for bills for things like EMT expenses, prosthetic devices and pain medications. They are used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Comprehensive coverages

This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like damage from a tornado or hurricane, falling objects and hitting a bird. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for collisions

Collision coverage covers damage to your CL-Class caused by collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision can pay for claims such as driving through your garage door, scraping a guard rail, rolling your car, sustaining damage from a pot hole and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also raise the deductible to bring the cost down.

Auto liability

This provides protection from damages or injuries you inflict on other’s property or people. This coverage protects you from claims by other people, and doesn’t cover 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. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as repair bills for other people’s vehicles, legal defense fees and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as high a limit as you can afford.

Stretch your dollar

Cost effective 2014 Mercedes-Benz CL-Class insurance can be found from both online companies as well as from insurance agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not offer the ability to get a quote online and usually these small insurance companies only sell through independent insurance agents.

Insureds who switch companies do it for any number of reasons including unfair underwriting practices, lack of trust in their agent, poor customer service and extreme rates for teen drivers. Whatever your reason, choosing a new insurance company can be pretty painless.

We’ve covered a lot of information how to reduce 2014 Mercedes-Benz CL-Class insurance rates online. The most important thing to understand is the more you quote insurance, the higher your chance of finding the cheapest insurance. Consumers could even find that the best rates are with the smaller companies.