Cheap Mercedes-Benz CLK500 Car Insurance Rates in Las Vegas Nevada
Trying to come up with a payment for high-priced car insurance can stress out your accounts and put a big crunch on your finances. Numerous car insurance companies battle to insure your vehicles, and because of this it can be hard to compare insurance companies to discover the definitive best rate
The easiest way to compare car insurance rates is to realize most of the larger companies will pay a fee to compare rate quotes. The only thing you need to do is provide a small amount of information such as what you do for a living, whether the vehicles are used for commuting, which vehicles you own, and driver details. Your details is sent automatically to insurance companies and you receive quotes almost instantly.
If you wish to get multiple quotes for your car now, click here and see if a lower rate is available.
Advertising and car insurance
Big name companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. All the companies try to convey promises that drivers will save a bundle after switching your car insurance coverage to their company. How does every company give you a lower rate? You have to listen carefully.
Car insurance companies have an ideal profile for the driver that will not have excessive claims. For example, this type of risk profile might have to be married and over the age of 30, has never had a claim, and has great credit. Anyone that hits that “sweet spot” will get very good Las Vegas premium rates as well as save when switching.
People who don’t qualify for these stringent criteria will have to pay higher prices which usually ends up with the customer not purchasing. If you pay attention, the ads say “customers who switch” but not “all drivers who get quotes” save that much when switching. This is how companies can truthfully make claims like that. That is why you really need to quote coverage with many companies. It’s not possible to predict which insurance companies will be your best fit.
Get cheaper rates by taking advantage of these ten discounts
Auto insurance companies don’t list the entire discount list very clearly, so we break down a few of the more well known and the more hidden discounts that you may qualify for.
- Smart Student Discounts – Excelling in school can save 20 to 25%. Many companies even apply the discount to college students until age 25.
- Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle up can save a little off PIP or medical payments premium.
- Defensive Driver – Taking time to complete a defensive driver course could possibly earn you a 5% discount and easily recoup the cost of the course.
- Drive Safe and Save – Insureds without accidents may save up to 50% more for CLK500 insurance compared to rates paid by drivers with frequent claims.
- Anti-theft System – Vehicles that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10% off your .
- Low Mileage Discounts – Driving fewer miles can earn lower premium rates due to less chance of an accident.
- Distant Student – Kids who are attending college and won’t have access to an insured vehicle may qualify for this discount.
- Paperwork-free – Many companies provide a small discount digitally online.
- More Vehicles More Savings – Having all your vehicles with the same company could earn a price break for each car.
- Discounts for New Vehicles – Buying coverage on a new vehicle can cost up to 25% less because new vehicles keep occupants safer.
One thing to note about discounts is that some credits don’t apply to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. Even though the math looks like you can get free auto insurance, you aren’t that lucky.
Auto insurance companies that may have some of the above discounts include:
If you are trying to find , ask each company or agent to give you their best rates. Some discounts might not be offered everywhere. To see a list of providers who offer car insurance discounts in Las Vegas, click here.
How much car insurance do I need?
When it comes to buying adequate coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out whether your personal situation would benefit from professional advice.
- Do I need special endorsements for business use of my vehicle?
- Why does it cost so much to insure a teen driver in Las Vegas?
- Why am I required to get a high-risk car insurance policy?
- Is my Mercedes-Benz CLK500 covered for flood damage?
- Is pleasure use cheaper than using my Mercedes-Benz CLK500 to commute?
- When would I need additional glass coverage?
- Do I have any recourse if my insurance company denies a claim?
- At what point should I drop full coverage?
- What discounts do I qualify for?
- Do I need added coverage for expensive stereo equipment?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier
Additional detailed information is available at the Nevada Division of Insurance website. Consumers can learn about insurance regulations, read enforcement actions against agents and companies, and view agent and company licensing information.
More related Las Vegas car insurance information:
Car insurance coverages and their meanings
Knowing the specifics of your policy can help you determine the right coverages at the best deductibles and correct limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages offered by car insurance companies.
Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like funeral costs, nursing services, prosthetic devices and pain medications. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
Liability insurance – Liability insurance can cover injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.
Liability coverage pays for claims such as court costs, funeral expenses, loss of income, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford. Nevada requires drivers to carry at least 15,000/30,000/10,000 but you should think about purchasing more liability than the minimum.
Collision – Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things such as colliding with a tree, hitting a parking meter, backing into a parked car, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.
Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Because many people carry very low liability coverage limits (15/30/10 in Nevada), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims such as hitting a bird, a broken windshield, damage from flooding, theft and hail damage. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
One last thing
We just covered a lot of information how to get a better price on Mercedes-Benz CLK500 insurance. The most important thing to understand is the more quotes you get, the better your comparison will be. You may be surprised to find that the most savings is with a small mutual company. Some small companies may have significantly lower auto insurance rates on certain market segments than the large multi-state companies such as Progressive or GEICO.
Cheaper Mercedes-Benz CLK500 insurance can be purchased both online and with local Las Vegas insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies may not provide online price quotes and usually these regional insurance providers only sell through independent agencies.