10 Ways You Can Buy Car Insurance for a Mercedes-Benz CLK350 Cheaply

Have you fallen victim to an overpriced car insurance policy? Trust us, you are not the only one feeling buyer’s remorse. There are many insurers to buy insurance from, and although it’s nice to have multiple companies, it can be more challenging to compare rates.

Finding affordable car insurance coverage is not that difficult. If you have a policy now or are shopping for new coverage, you will benefit by learning to get lower rates and still get good coverage. Drivers just need to learn the proper methods to buy car insurance online.

Are you getting all your discounts?

Car insurance is not cheap, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but less common discounts must be manually applied before being credited. If you don’t get every credit you deserve, you are paying more than you should be.

• Drivers Ed for Students – Require your teen driver to complete a driver education course in school.
• Safety Course Discount – Completing a driver safety course could cut 5% off your bill if your company offers it.
• No Accidents – Good drivers with no accidents can earn big discounts when compared to accident-prone drivers.
• Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
• Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you can actually save on your bill.
• Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Multi-policy Discount – When you have multiple policies with one company you will save up to 20% off your total premium.
• Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiring. It’s a savings of about 10%.
• Discount for Good Grades – Getting good grades can earn a discount of 20% or more. The good student discount can last up to age 25.
• More Vehicles More Savings – Insuring multiple cars or trucks on the same car insurance policy qualifies for this discount.

Drivers should understand that some credits don’t apply the the whole policy. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will reduce your premiums.

For a list of insurers offering car insurance discounts, click this link.

Tailor your coverage to you

When choosing proper insurance coverage, there isn’t really a “perfect” insurance plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

• What is the difference between comprehensive and collision coverage?
• What are the best liability limits?
• Can I afford low physical damage deductibles?
• Should I sign the liability waiver when renting a car?
• Am I covered when pulling a rental trailer?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Is rental equipment covered for theft or damage?
• When would I need additional glass coverage?
• Does my insurance cover a custom paint job?
• Does my personal auto insurance policy cover using my vehicle for business use?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Educate yourself about car insurance coverages

Understanding the coverages of car insurance can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Liability insurance

Liability coverage protects you from damage that occurs to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like repair costs for stationary objects, legal defense fees and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but buy higher limits if possible.

Comprehensive insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like vandalism, falling objects, hitting a deer and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as X-ray expenses, ambulance fees and hospital visits. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

This coverage pays for damage to your CLK350 resulting from a collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, crashing into a building, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and also any damage incurred to your Mercedes-Benz CLK350.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

More effort can pay off

We just showed you a lot of techniques to lower your Mercedes-Benz CLK350 insurance rates. The most important thing to understand is the more times you quote, the better your chances of lowering your rates. Consumers may even find the biggest savings come from the least-expected company. They may only write in your state and offer lower rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

As you shop your coverage around, it’s very important that you do not buy less coverage just to save a little money. There are too many instances where an insured cut full coverage only to discover later that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

Cost effective Mercedes-Benz CLK350 insurance is available from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.