View 2019 Mercedes-Benz CLA-Class Car Insurance Rates in 2024

Looking for cheaper auto insurance rates? Shoppers have a choice when shopping for affordable Mercedes-Benz CLA-Class insurance. They can either waste time struggling with agents to get rate comparisons or use the internet to find the lowest rates.

There are both good and bad ways to find auto insurance online and we’ll show you the best way to quote coverages for your Mercedes-Benz and find the best price possible either online or from local insurance agents.

You should take the time to compare premium rates quite often due to the fact that insurance rates change quite often. Just because you found the best deal on CLA-Class coverage six months ago there may be better deals available now. Ignore everything you know about auto insurance because we’re going to show you one of the best ways to properly buy coverages and cut your premium.

Cheaper rates with discounts

Some providers don’t always publicize all possible discounts in a way that’s easy to find, so the list below contains a few of the more common and also the lesser-known discounts you could be receiving when you buy auto insurance online.

• Organization Discounts – Having an affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a auto insurance quote.
• 55 and Retired – Older drivers can get a small discount on rates on CLA-Class coverage.
• ABS Braking Discount – Cars that have anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
• Active Service Discounts – Being deployed in the military may lower your premium rates slightly.
• Homeowners Discount – Simply owning a home can save you money since home ownership is proof of financial responsibility.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle up before driving can save a little off the personal injury premium cost.
• Safety Course Discount – Taking a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
• Air Bag Discount – Cars that have air bags or motorized seat belts may qualify for discounts of up to 25% or more.

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, you won’t be that lucky.

Companies and a partial list of their discounts are shown below.

• State Farm policyholders can earn discounts including student away at school, multiple autos, Steer Clear safe driver discount, driver’s education, and good driver.
• American Family offers discounts including defensive driver, good driver, mySafetyValet, TimeAway discount, and air bags.
• GEICO offers premium reductions for multi-vehicle, seat belt use, anti-theft, federal employee, driver training, and military active duty.
• 21st Century offers discounts for homeowners, good student, defensive driver, student driver, and theft prevention.
• Progressive may include discounts for online signing, multi-policy, continuous coverage, multi-vehicle, homeowner, online quote discount, and good student.

If you are trying to find low cost auto insurance quotes, ask every prospective company which credits you are entitled to. Some discounts listed above may not apply to policies in your area. If you would like to choose from a list of insurance companies that offer the discounts shown above, enter your zip code here.

The quickest method to compare policy rates is to realize most larger insurance companies have advanced systems to quote your coverage. The only thing you need to do is provide details such as if you’re married, what you do for a living, whether you drive to work or school, and your credit rating estimate. That rating data is instantly sent to multiple different insurance companies and they return cost estimate immediately.

To start a rate quote now, click here and complete the form.

What is the best auto insurance coverage?

When it comes to buying the right insurance coverage, there really is no one size fits all plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that may help you determine whether you will benefit from professional help.

• How much liability coverage do I need in my state?
• Do I need medical payments coverage since I have good health insurance?
• Do I need to file an SR-22 for a DUI in my state?
• If my 2019 Mercedes-Benz CLA-Class is totaled, can I afford another vehicle?
• What are the best liability limits?
• Is my nanny covered when driving my vehicle?
• Am I covered when driving a rental car?
• Why am I required to get a high-risk car insurance policy?
• What is high-risk coverage and where do I buy it?
• Can I still get insurance after a DUI?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete your zip code. It’s fast, free and can provide invaluable advice.

Specific coverages for a 2019 Mercedes-Benz CLA-Class

Understanding the coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be confusing and even agents have difficulty translating policy wording.

Collision coverage protection

This coverage will pay to fix damage to your CLA-Class resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like surgery, doctor visits, hospital visits, prosthetic devices and ambulance fees. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Mercedes-Benz CLA-Class.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like rock chips in glass, fire damage, theft and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability coverage protects you from injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against things such as legal defense fees, attorney fees and structural damage. How much coverage you buy is up to you, but buy as much as you can afford.

Save your cold hard cash

Discount 2019 Mercedes-Benz CLA-Class insurance is definitely available online as well as from independent agents, and you should compare price quotes from both to have the best selection. Some companies do not provide price quotes online and many times these smaller providers only sell through independent agencies.

When shopping online for insurance, do not skimp on coverage in order to save money. In many instances, drivers have reduced physical damage coverage only to find out that the small savings ended up costing them much more. Your objective should be to get the best coverage possible for the lowest price, not the least amount of coverage.

Drivers who switch companies do it for many reasons like delays in paying claims, an unsatisfactory settlement offer, poor customer service or lack of trust in their agent. It doesn’t matter why you want to switch switching companies is easier than you think.