6 Methods to Save on Mercedes-Benz CL63 AMG Insurance

Consumers have a choice when looking for affordable Mercedes-Benz CL63 AMG insurance. You can either spend your time calling around trying to get quotes or use the internet to compare rates. There are more efficient ways to compare auto insurance rates so you’re going to learn the proper way to get price quotes on a Mercedes-Benz and find the lowest possible price from both online companies and local agents.

There are multiple methods to shop for auto insurance, and some are easier and takes less work. You could waste time discussing policy coverages with local insurance agents in your area, or you could use the web to get rates in a matter of minutes.

Most of the larger companies take part in a program that allows shoppers to complete one form, and each participating company can give them a price. This eliminates the need for form submissions for every auto insurance company. To use this form to compare rates click to open in new window.

The only downside to pricing coverage this way is you cannot specify which providers to receive prices from. So if you prefer to choose specific providers to request quotes from, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just make darn sure you compare exactly the same coverage data for every quote you compare. If each company quotes different liability limits it will be impossible to make a fair rate comparison. Just a small difference in insurance coverages or limits may result in a large different in cost. Just remember that making a lot of price comparisons helps you find more affordable insurance.

Buying auto insurance from insurance agencies

Certain consumers prefer to go talk to an agent and that is just fine! A good thing about getting free rate quotes online is that you can find lower rates and still have a local agent.

To help locate an agent, after submitting this quick form, your coverage information is emailed to insurance agents who will gladly provide quotes to get your business. You won’t need to contact any insurance agencies due to the fact that quote results will go to the email address you provide. You can find better rates AND a local agent. If you wish to get a comparison quote from a particular provider, you just need to jump over to their website to submit a rate quote request.

Deciding on an provider requires more thought than just a cheap price quote. The following questions are important to ask.

• Do you work with a CSR or direct with the agent?
• Are they full-time agents?
• What companies can they write with?
• Will you get a loaner vehicle if you car is being repaired?
• Is there any savings for paying the full premium?
• Do they feel the quoted coverages are adequate?

When looking for a local agent, you need to know there are two types of agencies that differ in how they can insure your vehicles. Auto insurance agents are either independent (non-captive) or captive.

Captive Auto Insurance Agents

These type of agents can only place business with one company like State Farm, Allstate, or Farmers Insurance. They generally cannot shop your coverage around so always compare other rates. These agents are usually quite knowledgeable on what they offer which helps them compete with independent agents. Drivers often use the same agent mostly because of the brand rather than low price.

Independent Agencies or Brokers

These agents can sell policies from many different companies so they have the ability to put coverage amongst many companies and find the cheapest auto insurance rates. If you want to switch companies, the agent simply finds a different carrier and you don’t have to switch agencies. If you are comparing rate quotes, you need to compare quotes from multiple independent agents in order to compare the most rates. Many write coverage with less well-known companies that may have much lower rates than larger companies.

To locate agencies near you, see this list of auto insurance agents.

Auto insurance coverage basics

Knowing the specifics of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Protection from uninsured/underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as damage to your Mercedes-Benz CL63 AMG.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, hitting a bird, damage from getting keyed and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability insurance

Liability coverage can cover damage that occurs to other people or property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as legal defense fees, funeral expenses and loss of income. How much coverage you buy is up to you, but consider buying as large an amount as possible.

Auto collision coverage

Collision insurance pays for damage to your CL63 AMG resulting from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, crashing into a building, rolling your car and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for pain medications, dental work, rehabilitation expenses, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage