2022 Mercedes-Benz CLS-Class Insurance Quotes in 2024

I can’t think of anyone who looks forward to paying premiums for auto insurance, especially when they are aware that the price is too high.

Companies like Progressive, GEICO and Farmers Insurance promote their brand names with fancy advertisements and it can be hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

It’s smart to compare premium rates periodically since rates are usually higher with each renewal. Even if you think you had the lowest rate on CLS-Class insurance on your last policy the chances are good that you can find a lower price today. Forget anything you know (or think you know) about auto insurance because you’re about to learn how to quote online to reduce your cost while increasing coverage.

If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Buying car insurance is quite easy. Although vehicle owners must understand how big insurance companies market on the web and take advantage of how the system works.

Cheaper rates by taking advantage of discounts

Auto insurance companies don’t necessarily list every discount available very well, so the list below gives a summary of both well-publicized and also the more inconspicuous discounts that you may qualify for. If you don’t get every credit available, you’re just leaving money on the table.

• Discounts for New Vehicles – Adding a new car to your policy can get you a discount since new model year vehicles have better safety ratings.
• Military Rewards – Being deployed in the military could be rewarded with lower auto insurance rates.
• ABS Braking Discount – Vehicles that have anti-lock braking systems are safer to drive and qualify for as much as a 10% discount.
• Drivers Ed for Students – Have your child successfully complete driver’s ed class in high school.
• Early Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.

Please keep in mind that most of the big mark downs will not be given to all coverage premiums. Most cut the cost of specific coverages such as comp or med pay. Despite the fact that it seems like it’s possible to get free car insurance, you aren’t that lucky.

A list of companies and some of the premium reductions they offer are included below.

• State Farm policyholders can earn discounts including Steer Clear safe driver discount, safe vehicle, good student, Drive Safe & Save, accident-free, and multiple autos.
• Nationwide includes discounts for easy pay, defensive driving, anti-theft, family plan, good student, multi-policy, and accident-free.
• GEICO offers discounts for seat belt use, emergency military deployment, anti-lock brakes, anti-theft, military active duty, and defensive driver.
• AAA may offer discounts for anti-theft, education and occupation, pay-in-full, multi-car, AAA membership discount, good driver, and multi-policy.
• 21st Century may have discounts that include anti-lock brakes, theft prevention, student driver, defensive driver, automatic seat belts, and good student.
• The Hartford discounts include good student, bundle, vehicle fuel type, air bag, driver training, and anti-theft.

If you are trying to find the cheapest auto insurance quotes, ask each company or agent which discounts they offer. A few discounts might not apply in your area. If you would like to see a list of companies who offer free auto insurance quotes, enter your zip code here.

How much insurance do I need?

When buying coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs would benefit from an agent’s advice.

• Can my babysitter drive my car?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I get a pro-rated refund if I cancel my policy early?
• How much underlying liability do I need for an umbrella policy?
• Is my custom paint covered by insurance?
• What is PIP insurance?
• Is my 2022 Mercedes-Benz CLS-Class covered for flood damage?
• Is Motor Club coverage worth it?
• Do I have coverage for damage caused while driving under the influence?
• Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and enter your zip code.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.

Comprehensive car insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, hitting a bird, hail damage, hitting a deer and theft. The maximum payout your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability car insurance

This coverage protects you from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.

Liability insurance covers claims such as pain and suffering, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for immediate expenses for things like pain medications, ambulance fees and nursing services. The coverages can be utilized in addition to your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 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. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto collision coverage

This coverage pays for damage to your CLS-Class from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, crashing into a ditch and backing into a parked car. This coverage can be expensive, so consider removing coverage from older vehicles. You can also raise the deductible to bring the cost down.

Keep this in mind

We just covered quite a bit of information on how to reduce 2022 Mercedes-Benz CLS-Class insurance prices online. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the biggest savings come from some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

Lower-priced 2022 Mercedes-Benz CLS-Class insurance is attainable online and from local insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some insurance companies don’t offer internet price quotes and many times these regional insurance providers prefer to sell through local independent agents.

When searching for affordable auto insurance quotes, don’t be tempted to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to buy the best coverage you can find at the best possible price.