Guide to Insuring your Mercedes-Benz CL65 AMG for Less
If buying car insurance was fun, we'd do it as a recreational sport. But the reality is, it's a chore for most people and we seem to always end up paying more than we want to. You might feel the same pain when having to pay the bill on your Mercedes-Benz CL65 AMG.
Step One: Insurance Quotes
Up until about ten years ago, the only way to shop for car insurance was in the office of a local insurance agent where you'd get a hard sell into a policy. Life has gotten easier!
The best car insurance companies offer online quoting for a Mercedes-Benz CL65 AMG and it's very easy to compare different rates by only using one form.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Apples-to-Apples! When doing comparison quotes for your CL65 AMG, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: How to Insure your CL65 AMG for Less
Once you have quotes in hand, you can then consider some of the other techniques for lowering your CL65 AMG insurance rates.
- Cheap insurance rates and high performance don't usually mix. If low rates are your goal, the Mercedes-Benz CL65 AMG is probably not the best vehicle due to it's above average performance.
- If you belong to a professional organization, check to see if that can earn you a discount. If you're over the age of 55, check to see if they have a senior citizen discount as well.
- Repairing accident damage generally costs more for the CL65 AMG because the replacement parts cost more. You can expect your car insurance bill to reflect these higher costs for repair.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
- If you're a young driver, you will pay more to insure a CL65 AMG. There isn't anything you can do about your age, but rates will drop as you mature.
- 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.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- Particular years and models of cars tend to be frequently stolen, and if your CL65 AMG is on that list, chances are your insurance company knows it and will ding you a little extra because of it.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- If your city or county offers a driver's safety course, find out if your insurance company will give you a discount to complete it. It could save you up to 10%.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
Step Three: Choose the Right Company for You
Once you have compared identical rate quotes for your CL65 AMG and made a decision on deductibles, coverages and other policy options, you are ready to buy your policy with the new company.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
When buying a new vehicle, coverage will extend from your existing policy. But if you don't have a car insurance policy, you will want to make sure you have coverage BEFORE you drive off the lot. When driving off the lot, you may have coverage that extends from your current policy. But it will only be equal to the most coverage you have on any vehicle. So if you only carry liability coverage, you won't be covered for full coverage until you specify it on your policy.
Once your new policy has been purchased, you are required to keep the proof-of-insurance card in your vehicle at all times. This is required by state law and you can receive a citation if you cannot provide it. High risk drivers may be required to submit an SR-22 with their state DMV's. If you have been convicted of reckless driving, DUI or had an uninsured accident, you may qualify. Make sure your new policy reflects the need for the SR-22 filing.
More Resources for Insurance Buying
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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