Insure your Mercedes-Benz CLK55 AMG for Much Less than you Think
If finding cheaper car insurance was fun, we'd make the time to do it regularly. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Insuring your Mercedes-Benz CLK55 AMG is probably no exception.
Step One: Compare Apples-to-Apples Quotes
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Now that we have the internet, shopping for car insurance online is a snap!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Mercedes-Benz CLK55 AMG without even visiting their websites!
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Quote Tip! When doing car insurance quotes for your CLK55 AMG, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: Tried and True Ways to Save on CLK55 AMG Insurance
There are many factors that actually determine what you will pay for insurance, and some are completely within your control.
- The Mercedes-Benz CLK55 AMG is a high performance vehicle. Insurance rates are higher on cars that offer larger engines, more horsepower or increased risk of accident or rollover.
- Auto theft is a big problem that costs us all money, but if your car is on the list of the most frequently stolen autos, you might be paying a little extra because of the temptation to thieves.
- The cost to repair luxury vehicles is generally more than the cost to repair your average domestic family sedan. Everything from paint to bumpers to windshields costs more for the CLK55 AMG so expect to pay more for insurance.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Driver's safety courses will often get you a discount off your rates. Check to see if your company offers the discount and find a qualifying class in your area.
- If you have tended to file small claims with your car insurance company in the past, you're most likely going to pay higher premiums in the future. Consider paying minor claims out-of-pocket instead of blemishing your claim history.
- Do not allow your current car insurance coverage to lapse or expire. Insurance companies have a simple way to find out when your last policy ended (called a CLUE report), and if you went without coverage for any length of time you may pay more for coverage.
- Teen drivers have a tendancy to learn the hard way when driving, and that means having a few fender-benders. Rating them on a high profile newer vehicle can be very expensive so you might consider buying an older model vehicle for them to drive and only insure it with liability coverage.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Consider raising your comprehensive and collision deductibles if you carry full coverage. By accepting more risk yourself, your car insurance company will cut you a break on your physical damage premiums.
Step Three: Choose a Company and Bind Coverage
Knowing which company to insure your CLK55 AMG with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
The key thing to keep in mind when buying a new policy is you do not want your old policy to lapse. Make sure the effective date of the new policy is on or before the expiration date of your current policy.
Coverage will extend from your current policy if you're buying a Mercedes-Benz CLK55 AMG, but if you don't have a policy, you will need to make sure you have coverage in place before you drive it off the dealership lot. Comprehensive (or Other than Collision) and collision coverage will extend to your new CLK55 AMG if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
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