Mercedes-Benz CLK55 AMG Insurance – 8 Discounts to Save Money

Nobody I know likes having to buy auto insurance, especially knowing the cost is too high. Insurance companies such as GEICO, Farmers Insurance and State Farm all claim big savings, bombarding you with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a good idea to compare prices once or twice a year because insurance rates change regularly. Even if you think you had the lowest price on CLK55 AMG coverage a couple years back the chances are good that you can find a lower rate today. So block out anything you think you know about auto insurance because you’re going to learn how to quote online to reduce your cost while increasing coverage.

If you have a policy now or are shopping for new coverage, you can use these tips to cut your premiums and still get good coverage. Finding affordable coverage is not that difficult. Consumers just need to learn the proper way to shop their coverage around over the internet.

Save big with these eight discounts

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be specially asked for in order for you to get them. If they aren’t giving you every credit you deserve, you are throwing money away.

• Senior Discount – Older drivers may qualify for a discount up to 10% on CLK55 AMG coverage.
• Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of up to 25% or more.
• Lower Rates for Military – Having a deployed family member may qualify for rate reductions.
• Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
• Driver Safety – Taking a course in driver safety could cut 5% off your bill if you qualify.
• Accident Forgiveness – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims prior to the accident.
• Auto/Home Discount – If you have multiple policies with the same insurance company you may save 10% to 20% off each policy.
• Student Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.

It’s important to understand that most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. So when it seems like you could get a free auto insurance policy, companies wouldn’t make money that way. Any amount of discount will reduce the cost of coverage.

For a list of insurers who offer auto insurance discounts, follow this link.

But I don’t know anything about car insurance

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For example, these questions might point out whether or not you might need an agent’s assistance.

• Do I benefit by insuring my home with the same company?
• What is the minimum liability in my state?
• Why does it cost so much to insure a teen driver?
• Do I get a pro-rated refund if I cancel my policy early?
• I have good health insurance, so how much medical payments coverage do I need?
• Does my Mercedes-Benz CLK55 AMG need full coverage?

If you can’t answer these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It is quick, free and can help protect your family.

Is there truth in advertising?

Drivers get pounded daily by advertisements that promise big savings by Allstate and Progressive. They all seem to have a common claim about savings if you move to their company.

How do they all say the same thing? This is how they do it.

Insurance companies have a preferred profile for the right customer that makes them money. For instance, a desirable insured could possibly be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. Any new insured who fits that profile gets the lowest rates and is almost guaranteed to save a lot of money.

Drivers who fall outside these standards will be quoted a more expensive rate which leads to business not being written. Company advertisements say “customers who switch” not “everybody who quotes” save money. That’s the way companies can truthfully claim big savings.

This emphasizes why it is so important to get as many comparisons as possible. It’s not possible to predict which company will have the lowest rates.

Auto insurance coverage information

Knowing the specifics of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy. Below you’ll find typical coverages offered by auto insurance companies.

Collision coverages – This coverage will pay to fix damage to your CLK55 AMG from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as damaging your car on a curb, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability – Liability insurance will cover damage or injury you incur to people or other property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits 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 property damage coverage for $100,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like pain and suffering, emergency aid and court costs. 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 uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Mercedes-Benz CLK55 AMG.

Due to the fact that many 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 very important. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive auto insurance – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, damage from getting keyed and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical expenses – Coverage for medical payments and/or PIP pay for immediate expenses for things like pain medications, EMT expenses and dental work. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Affordable insurance is out there

Cheaper Mercedes-Benz CLK55 AMG insurance is attainable on the web in addition to many insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. There are many occasions where an insured cut physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage for the lowest price while still protecting your assets.