Definitive Five Minute Guide to Shopping For Mercedes-Benz CLK320 Insurance

Buyers have lots of choices when searching for the best price on Mercedes-Benz CLK320 insurance. They can either spend hours contacting agents trying to get quotes or save time using the internet to find the lowest rates. There are both good and bad ways to shop for auto insurance so we’re going to tell you the quickest way to price shop coverage for your Mercedes-Benz and locate the lowest price either online or from local insurance agents.

It’s a great practice to shop coverage around on a regular basis since insurance rates are variable and change quite frequently. Despite the fact that you may have had the lowest rates on CLK320 coverage six months ago you can probably find a lower rate today. You can find a lot of misleading information regarding auto insurance online but with this article, you’re going to get some good information on how to save money.

Buying car insurance is not rocket science. If you currently have a car insurance policy, you will be able to lower your premiums substantially using these techniques. Drivers only need to know the most effective way to compare prices online.

How much can you save with discounts?

Car insurance companies do not list every discount in a way that’s easy to find, so here is a list some of the best known as well as the least known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are paying more than you should be.

Memberships – Being a member of a civic or occupational organization could qualify you for a break when buying auto insurance on CLK320 coverage.
Passive Restraints and Air Bags – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.
Accident Waiver – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a set time period.
Discounts for Safe Drivers – Insureds without accidents may save up to 50% more on CLK320 coverage than drivers with accident claims.
Discount for New Cars – Adding a new car to your policy can save up to 30% since new cars are generally safer.
Military Rewards – Being on active duty in the military could be rewarded with lower premiums.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, it doesn’t quite work that way.

To choose companies offering auto insurance discounts, click here.

Auto Insurance Prices Online

Getting better auto insurance pricing can be quick and easy. Drivers just need to invest a little time comparing rates provided by online insurance companies. This can be done in a couple of different ways.

The first (and easiest) way to find low rates is a comparison rater form (click to open form in new window). This form keeps you from doing separate forms for every auto insurance company. One form will return quotes from auto insurance companies with the best prices. It’s the fastest way to compare.

Another way to compare prices requires a trip to each company website and request a quote. For instance, we’ll assume you want rates from Progressive, 21st Century and American Family. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The hardest way of getting rate comparisons is driving around to and from local insurance agencies. The internet makes this process obsolete unless you require the trained guidance that only a license agent can provide. It is possible to comparison shop online and get advice from an agent in your area and we’ll talk about that later.

It’s up to you which method you use, but double check that you are using the exact same coverage limits for every company. If you have different liability limits it’s impossible to find the best deal for your Mercedes-Benz CLK320.<img class="alignright" style="padding-top:15px;" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/ci175-107.jpg" alt=" insurance quotes“/>

Some factors that can determine what Mercedes-Benz CLK320 insurance costs

An important part of buying insurance is that you know some of the elements that help determine your auto insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in big savings.

The following are a partial list of the pieces that factor into premiums.

Rural vs Urban Areas – Being located in a small town can be a good thing when buying auto insurance. Drivers who live in large cities have to deal with much more traffic and longer commute times. Less people living in that area means reduced accidents as well as less vandalism and auto theft.
Small claims can cost you – If you tend to file frequent claims, you can definitely plan on either higher rates or even cancellation. Car insurance companies give better rates to drivers who file claims infrequently. Car insurance is intended for major claims that would cause financial hardship.
Occupation reflects on rates – Occupations like lawyers, business owners and stock brokers tend to pay the highest rates in part from job stress and long work days. On the other hand, occupations such as scientists, students and the unemployed have the lowest average rates on CLK320 coverage.
Are you male or female? – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents at about the same rate, but the men cause more damage. Men also statistically get cited for more serious violations like reckless driving and DUI. Male drivers age 16 to 19 are most likely to cause an accident and are penalized with high auto insurance rates.
How’s your driving record? – Just one citation can increase rates twenty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who have severe citations like DWI, reckless driving or hit and run convictions may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to drive a vehicle legally.
More performance means more cost – The performance level of the car you are insuring makes a significant difference in the rate you pay. The lowest rates are usually for low performance passenger models, but there are many factors that impact the final cost. Since the Mercedes-Benz CLK320 is considered a luxury sedan, rates will be more when compared to the average rates.
Higher deductibles cost less – Coverage for physical damage, termed comprehensive and collision coverage on your policy, protects your Mercedes-Benz from damage. A few examples of covered claims could be a windshield shattered by a rock, vandalism, or theft. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more expense you have to pay, the less your company will charge you for insurance on CLK320 coverage.
A lapse in coverage is a bad thing – Having an insurance coverage lapse will be a guaranteed way to increase your auto insurance rates. And not only will your rates increase, but being ticketed for driving with no insurance might get you a steep fine or even jail time.Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.

Are insurance agents a thing of the past?

Certain consumers prefer to sit down with an agent and there is nothing wrong with that. Educated insurance agents can answer important questions and help in the event of a claim. The best thing about price shopping on the web is the fact that you can find lower rates and still have an agent to talk to.

To help locate an agent, after submitting this form (opens in new window), your insurance coverage information is immediately sent to participating agents who will compete for your insurance coverage. There is no need to drive around since price quotes are sent to the email address you provide. It doesn’t get any easier!

Picking an insurance company needs to be determined by more than just a low price. Here are some questions to ask:

Do they carry Errors and Omissions coverage?
Are there any hidden costs in their price quote and does it include driving and credit history?
Do they make recommendations based only on price?
How are they compensated?
Which members of your family are coverage by the policy?

Captive agents vs. Independent agents

When finding a reliable agent, you must know there are a couple types of insurance agents to choose from. Agencies are either independent (non-captive) or captive. Both types can do a good job, but it’s good to learn how they are different because it can impact the type of agent you choose

Captive Agents

Captive agents work for only one company and examples are American Family, State Farm and Allstate. These agents are not able to place coverage with different providers so they are skilled at selling on more than just price. Captives receive extensive training on their company’s products which helps them sell insurance even at higher premiums. Consumers sometimes purchase coverage from captives primarily because of high brand loyalty and strong financial ratings.

Independent Insurance Agents

Independent agents are not locked into one company but rather can write business with lots of companies and possibly get better coverage at lower prices. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent. When shopping rates, it’s recommended you contact multiple independent agents for maximum quote selection. They often place coverage with smaller regional carriers who may have lower rates.

For a full directory of agents, click here.

After receiving acceptable answers and a low price estimate, chances are good that you have found a car insurance agent that will service your policy.

Is there deception in advertising?

Consumers get pounded daily by advertisements for car insurance savings by companies like 21st Century, Allstate and State Farm. They all say the same thing about savings if you change to them.

But how can every company claim to save you money?

All the different companies have a certain “appetite” for the type of driver that is profitable for them. For example, a preferred risk could possibly be a mature driver, has no tickets, and has a short commute. A customer who matches those parameters receives the best rates and as a result will probably save quite a bit of money when switching.

Potential customers who don’t measure up to the requirements must pay more money which usually ends up with business going elsewhere. Company advertisements say “people who switch” not “everybody who quotes” save that kind of money. This is how companies can advertise the savings. This illustrates why you absolutely need to compare as many rates as you can. Because you never know the company that will fit your personal profile best.

One last thing about your coverage

As you restructure your insurance plan, you should never buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced physical damage coverage only to discover later they didn’t have enough coverage. Your focus should be to buy the best coverage you can find for the lowest price.

People leave their current company for any number of reasons including delays in paying claims, delays in responding to claim requests, high prices and high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

We just showed you a lot of tips how to reduce Mercedes-Benz CLK320 insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the most savings is with a company that doesn’t do a lot of advertising.