Finding the cheapest insurance for your Mercedes-Benz CL55 AMG could be a painful process, but you can learn a few tricks and make it easy.
There are more efficient ways to buy car insurance and we’ll show you the quickest way to price shop coverage for a new or used Mercedes-Benz and find the cheapest rates from both online companies and local agents.
It’s a good habit to get comparison quotes on a regular basis because prices tend to go up over time. Just because you had the best deal on CL55 AMG coverage last year there is a good chance you can find better rates now. So forget anything you know (or think you know) about car insurance because it’s time to teach you how to quote online to find lower rates on car insurance.
Locating the lowest cost protection is quite easy. If you have a policy now or are looking for a new policy, you can learn to reduce the price you pay and still get good coverage. Drivers only need an understanding of how to get comparison rates on the web.
How to Compare Car Insurance Costs
Effectively comparing car insurance prices can take hours if you aren’t aware of the most efficient way to do it. You could spend the better part of a day discussing policy coverages with insurance agencies in your area, or you could use the internet to get pricing more quickly.
The majority of car insurance companies take part in a program that enables customers to enter their policy data once, and each company then gives them pricing for coverage. This eliminates the need for form submissions for each company you want a rate for.
To participate in this free quote system, click here to open in new window.
One minor caviat to pricing coverage this way is that consumers can’t choose which carriers you want to price. So if you want to choose specific providers to compare, we have assembled a list of car insurance companies in your area. Click here for list of insurance companies.
Which method you use is up to you, but ensure you’re using identical quote information for every quote you compare. If you enter differing limits it’s impossible to determine which rate is truly the best.
Verify you’re getting all your discounts
Insuring your fleet can be pricey, but you can get discounts to cut the cost considerably. Some trigger automatically when you complete an application, but a few need to be asked about prior to receiving the credit. If you don’t get every credit you deserve, you are throwing money away.
- Theft Prevention Discount – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Multiple Cars – Buying insurance for all your vehicles with the same company may reduce the rate for each vehicle.
- Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on CL55 AMG coverage.
- Use Seat Belts – Drivers who require all occupants to use a seat belt could save 15% off your PIP or medical payments premium.
- Club Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for car insurance on CL55 AMG coverage.
- New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
- One Accident Forgiven – Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
A little note about advertised discounts, most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when the math indicates you can get free auto insurance, companies don’t profit that way. But any discount will help reduce your overall premium however.
To see a list of providers with the best car insurance discounts, follow this link.
Don’t I need to talk to an agent?
Some consumers just want to talk to a local agent and that is OK! Educated insurance agents are trained to spot inefficiencies and help you file claims. One of the great benefits of comparing insurance prices online is the fact that you can find better rates but still work with a licensed agent. Supporting local businesses is definitely important if you live in a smaller city or town.
After completing this form (opens in new window), your coverage information gets sent to local insurance agents who will battle to get your business. You won’t need to even leave your home since price quotes are sent immediately to your email address. How’s that for easy!
Do you need an independent or captive car insurance agent?
If you’re trying to find a good insurance agent, you need to know there are two types of agencies to choose from. Agents can either be captive or independent (non-captive). While both can write coverage properly, but it’s good to learn the differences because it can impact the selection process.
Independent Insurance Agents
Independent agencies are not required to write business for one company but rather can write business amongst many companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you don’t have to find a new agent.
When comparing rates, we recommend you get quotes from at least one independent agent for the best price selection. Most have the option of insuring with different regional companies who may have lower rates.
Captive Insurance Agents
These agents work for only one company such as Liberty Mutual, State Farm, Allstate and AAA. They usually cannot provide prices from multiple companies so keep that in mind. These agents receive extensive training on their company’s products which can be an advantage. Some consumers prefer to buy from captive agents primarily because of loyalty to the company and the convenience of having all coverages with one company.
To view a full list of insurance agents, visit this site.
Selecting an auto insurance agent shouldn’t rely on just a cheap price. These are valid questions to ask:
- Who are their largest clients?
- Are claims handled at the agent’s location?
- Do you have coverage for a rental car if your vehicle is in the repair shop?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Do they specialize in personal lines coverage?
- Are there any hidden costs in their price quote and does it include driving and credit history?
Upon getting good answers in addition to an acceptable price estimate, chances are good that you have found an insurance agency that meets your needs to adequately provide car insurance.
More effort can pay off
We covered a lot of tips how to save on Mercedes-Benz CL55 AMG insurance. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Drivers may discover the lowest premiums are with an unexpected company.
Drivers switch companies for a variety of reasons including poor customer service, an unsatisfactory settlement offer, policy non-renewal and even questionable increases in premium. Whatever your reason, choosing a new company is not as hard as you think.
When trying to cut insurance costs, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut liability limits or collision coverage and found out when filing a claim that it was a big error on their part. Your focus should be to buy enough coverage at an affordable rate while still protecting your assets.
