2018 Mercedes-Benz CLS-Class Insurance Quotes in 2024 – 10 Policy Discounts

Looking for better car insurance rates for your Mercedes-Benz CLS-Class? Having to pay for pricey car insurance can deplete your savings account and put the squeeze on your family’s finances.

Because you have many options, it can be challenging to locate the lowest price insurer.

It’s a good habit to check car insurance prices on a regular basis because car insurance prices are variable and change quite frequently. If you had the lowest rates on CLS-Class insurance six months ago a different company probably has better rate quotes today. There are lots of tips to save on car insurance online, but in a few minutes you can learn a lot of great tips on how to find cheap car insurance.

These ten discounts can cut insurance rates

Insurance can be prohibitively expensive, but companies offer discounts to reduce the price significantly. Some of these discounts will be visible at the time you complete a quote, but a few must be specially asked for in order for you to get them.

• Student in College – Youth drivers who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
• Online Discount – Many companies will give a small break for completing your application on the web.
• Active Service Discounts – Being on active duty in the military may qualify for rate reductions.
• Claim Free – Drivers who don’t have accidents can save substantially when compared to insureds who have frequent claims or accidents.
• Data Collection Discounts – Drivers that enable their insurance company to scrutinize their driving habits through the use of a telematics system like Allstate’s Drivewise might see lower rates if their driving habits are good.
• Buy New and Save – Buying insurance coverage on a new vehicle can save up to 30% since newer vehicles have better safety ratings.
• Multiple Policy Discount – When you combine your homeowners and auto insurance and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.
• Employee of Federal Government – Simply working for the federal government could qualify for a slight premium decrease on CLS-Class insurance with a few insurance companies.
• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
• Multi-car Discount – Buying insurance for several vehicles on a single policy may reduce the rate for each vehicle.

We need to note that most discounts do not apply to the entire cost. A few only apply to specific coverage prices like comprehensive or collision. Despite the appearance that all the discounts add up to a free policy, companies wouldn’t make money that way.

The best insurance companies and some of the premium reductions they offer are outlined below.

• American Family offers discounts for multi-vehicle, mySafetyValet, defensive driver, good driver, air bags, and bundled insurance.
• Farm Bureau includes discounts for driver training, multi-policy, 55 and retired, youthful driver, multi-vehicle, good student, and renewal discount.
• State Farm has discounts for driver’s education, student away at school, anti-theft, defensive driving training, safe vehicle, and accident-free.
• Travelers may include discounts for continuous insurance, payment discounts, IntelliDrive, student away at school, and hybrid/electric vehicle.
• The Hartford may have discounts that include good student, driver training, anti-theft, bundle, and vehicle fuel type.
• GEICO offers premium reductions for air bags, good student, multi-vehicle, daytime running lights, federal employee, defensive driver, and military active duty.
• Progressive policyholders can earn discounts including online signing, online quote discount, homeowner, continuous coverage, good student, and multi-vehicle.

When quoting, ask all companies you are considering which discounts you qualify for. Discounts may not apply everywhere. To see insurance companies that offer discounts, enter your zip code here.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might point out if your insurance needs might need professional guidance.

• How high should my uninsured/underinsured coverage be in my state?
• Am I covered by my spouse’s policy after a separation?
• What if I owe more than I can insure my car for?
• Is Motor Club coverage worth it?
• Do I really need UM/UIM coverage?
• How can I get high-risk coverage after a DUI?
• How much can I save by bundling my policies?
• Should I file a claim if it’s only slightly more than my deductible?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find an agent in your area, complete your zip code.

Auto insurance 101

Understanding the coverages of your auto insurance policy can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Collision – Collision insurance covers damage to your CLS-Class resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like crashing into a ditch, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like nursing services, funeral costs and surgery. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, damage from flooding and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your 2018 Mercedes-Benz CLS-Class.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Liability insurance – This provides protection from damage or injury you incur to a person or their property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical expenses, loss of income, structural damage, court costs and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Get your money’s worth

We just showed you many ideas to reduce 2018 Mercedes-Benz CLS-Class insurance car insurance rates online. The key thing to remember is the more you quote auto insurance, the higher your chance of finding cheaper auto insurance. You may be surprised to find that the best car insurance rates are with a small local company. These smaller insurers often have lower premium rates on specific markets compared to the large companies like Allstate or State Farm.

Lower-priced auto insurance can be found from both online companies and from local insurance agents, and you need to price shop both to have the best selection. Some insurance companies may not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agencies.