View 2007 Mercedes-Benz CLS-Class Insurance Cost

Tired of paying out the nose to keep your car insured? Your situation is no different than many other consumers. Big-name insurance companies like State Farm, Progressive and Geico constantly bombard you with catchy ads and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

Cheap insurance coverage

There are a variety of methods to compare insurance coverage quotes, but there is one way that is more efficient than others. You could spend your day talking about coverages with local insurance agents in your area, or you could use online quotes to quickly compare rates.

All the larger companies belong to a marketplace where insurance shoppers submit one quote, and each participating company can give them a price based on the submitted data. This eliminates the need for repetitive form submissions to each company.

To find out how much you’re overpaying now click here to start a free quote.

The single downside to comparing rates this way is you cannot specify the providers to receive prices from. If you wish to select from a list of companies for rate comparison, we have a page of low cost insurance coverage companies in your area. Click to view list.

Whichever way you use, make sure you compare identical coverage information on every quote. If each company quotes higher or lower deductibles it’s impossible to make a fair rate comparison.

When do I need an agent’s advice?

When it comes to choosing adequate coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need medical payments coverage since I have good health insurance?
  • Do I need added coverage for expensive stereo equipment?
  • Do I need special endorsements for business use of my vehicle?
  • Does medical payments coverage apply to all occupants?
  • I have a DUI can I still get coverage?
  • How can I force my company to pay a claim?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Auto insurance coverage information

Learning about specific coverages of a insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as sideswiping another vehicle, scraping a guard rail and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Comprehensive protection – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as vandalism, a tree branch falling on your vehicle, theft, hail damage and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like doctor visits, surgery, funeral costs, rehabilitation expenses and prosthetic devices. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Uninsured or underinsured coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your 2007 Mercedes-Benz CLS-Class.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Coverage for liability – Liability insurance will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like repair bills for other people’s vehicles, emergency aid, legal defense fees, bail bonds and pain and suffering. How much coverage you buy is your choice, but consider buying as much as you can afford.