Searching for cheaper insurance for a Mercedes-Benz CLK350 can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to quote coverages on a Mercedes-Benz and get the lowest price.
Don’t overlook these car insurance discounts
Car insurance companies don’t always publicize all possible discounts very clearly, so the below list has both well-publicized as well as the least known credits available to bring down your rates. If you don’t get every credit you deserve, you are just wasting money.
- Smart Student Discounts – A discount for being a good student could provide a savings of up to 20% or more. Many companies even apply the discount to college students up until you turn 25.
- Drive Less and Save – Maintaining low annual mileage may enable drivers to earn discounted prices on garaged vehicles.
- Federal Government Employee – Simply working for the federal government could qualify for a slight premium decrease for CLK350 insurance with a few car insurance companies.
- Driver’s Ed – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.
- Telematics Data Discounts – Policyholders that allow data collection to look at driving manner by using a telematic data system such as State Farm’s In-Drive may see discounts if they show good driving skills.
- Auto/Life Discount – Companies who offer life insurance give better rates if you take out life insurance.
- Own a Home and Save – Just being a homeowner can get you a discount because maintaining a house is proof of financial responsibility.
Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount will definitely lower your overall premium however.
For a list of car insurance companies with discount rates, click here.
Car insurance can get complicated
When it comes to choosing proper insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.
For example, these questions might help in determining if you may require specific advice.
- Does having multiple vehicles earn me a discount?
- Am I covered by my spouse’s policy after a separation?
- Why am I be forced to buy a membership to get insurance from some companies?
- When does my teenage driver need to be added to my policy?
- Is there coverage for injuries to my pets?
- Am I covered when driving someone else’s vehicle?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and you can get the answers you need.
Buying car insurance from insurance agents
A small number of people just prefer to go talk to an agent and that can be a great decision Good insurance agents can help you choose the best coverages and help file insurance claims. One of the great benefits of comparing rates online is that you can find the lowest rates and still choose a local agent.
To help locate an agent, after submitting this simple form, your information is transmitted to participating agents who will return price quotes for your coverage. There is no need to contact an agency as quotes are delivered to the email address you provide. In the event you want to get a rate quote from a specific company, you just need to find their quoting web page and complete a quote there.
Choosing an insurer requires more thought than just a cheap price quote. Ask your prospective agent these questions:
- How long have they worked with personal auto insurance coverage?
- What company holds the largest book of business for them?
- When do they do a full risk review?
- Are they giving you every discount you deserve?
- Will they make sure you get an adequate claim settlement?
- Do they have a Better Business Bureau rating?
- Is auto insurance their primary focus?
If you would like help to select from a list of insurance agencies near you, see this full listing of car insurance agents.
Big brands don’t always mean big savings
Consumers constantly see and hear ads that claim the cheapest auto insurance rates by State Farm, GEICO and Progressive. They all seem to convey the message that you can save just by switching your policy.
It sounds good, but how can they all give you a lower rate?
Insurance providers have a preferred profile for the right customer that will add to their bottom line. For example, this type of driver should be over the age of 40, has other policies, and drives a vehicle with a low ISO rating. Anybody who fits those characteristics will probably get cheap premium rates and will cut their rates if they switch.
Potential customers who may not quite match those criteria will be charged a more expensive rate and this can result in business not being written. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” will save that much if they switch. This is how companies can truthfully claim big savings. This emphasizes why you really should get price quotes at each policy renewal. It’s just too difficult to predict which car insurance company will fit your personal profile best.
Online plus local equals savings
Lower-priced car insurance can be found both online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers may not offer rates over the internet and most of the time these regional insurance providers provide coverage only through independent agents.
In this article, we presented a lot of ways to shop for Mercedes-Benz CLK350 insurance online. The key concept to understand is the more quotes you get, the better chance you’ll have of finding . Drivers may discover the lowest premium rates come from a smaller regional carrier.
Drivers who switch companies do it for a variety of reasons including delays in responding to claim requests, high rates after DUI convictions, lack of trust in their agent or extreme rates for teen drivers. Whatever your reason, finding the right car insurance provider is easier than you think.
