Mercedes CLA insurance

Get reliable car insurance coverage tailored to you with Brokerlink.

The Mercedes-Benz CLA is the ultimate in luxury—sleek, stylish, and available in several models, including a hybrid version. To keep your prized possession protected, you’ll need car insurance, and that’s where BrokerLink comes in. As a full-service insurance brokerage, we can help you find the right coverage at the right rate.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is Mercedes CLA insurance?

Buying Mercedes-Benz CLA insurance is like making an agreement with your insurance company. You do your part by paying your monthly or yearly premiums to keep your coverage active, and in return, they handle the costs if you're in an accident, face vandalism, or experience theft, depending on your policy. It’s just like any other car insurance, but this one is tailored specifically for your Mercedes-Benz CLA model.

Why you need Mercedes-Benz CLA insurance

Mercedes-Benz CLA insurance is important for a couple of reasons. First, car insurance is mandatory in Canada, regardless of which Mercedes-Benz model you drive, and you need a policy that meets your province’s legal requirements. Without at least the minimum coverage, you risk facing significant fines or even jail time.

Second, car accidents can be costly—especially with a luxury car like a Mercedes-Benz CLA model. Basic liability car insurance covers third-party injuries and property damage if you're at fault, but without it, you'd have to pay those costs out of pocket. And if you don’t have extra coverage like collision, you’d also be responsible for repairing or replacing your own vehicle.

In short, Mercedes-Benz CLA car insurance is essential to protect the driver and their finances.

Types of insurance coverage for your Mercedes-Benz CLA model

Whenever you buy auto insurance, it’s important to pay attention to the coverage your policy includes. While some types of coverage are mandatory, many are optional. To help you choose the best coverage for your Mercedes-Benz CLA model, we’ve listed some of the most common types of coverage options in Canada:

Mandatory

Optional

Third-party liability coverage is required everywhere in Canada. It protects you if you’re injured or if your Mercedes-Benz CLA model is damaged in an accident you caused. In addition to covering medical bills and car repairs, liability coverage can also help pay for legal fees and court costs.

[Not mandatory in Newfoundland] Accident benefits coverage is another mandatory type of auto insurance in Canada. After an accident, it helps cover medical costs if you, a passenger or even a pedestrian, need treatment. With accident benefits, you can get compensation for medical expenses no matter who’s at fault for the collision.

[Not mandatory in Alberta] Uninsured automobile coverage is required in most parts of Canada. It protects you and your passengers if you're in a collision with a driver who doesn't have enough insurance or no insurance at all. It also covers hit-and-run collisions if the driver cannot be later identified.

[Not mandatory in Ontario] If you’re in an accident that wasn’t your fault, direct compensation-property damage coverage works so that you can file a claim with your own insurance company instead of dealing with the at-fault driver’s insurance company. In some no-fault provinces in Canada, this coverage is mandatory.

Collision coverage is an optional type of insurance that could be useful for Mercedes-Benz CLA drivers. It protects you if you're in an accident with another vehicle or object, helping to cover the cost of repairing or replacing your car.

Comprehensive coverage provides financial protection against risks that aren’t related to collisions, like theft, vandalism, falling objects, fire, water damage, and more. While optional, it’s particularly valuable for high-end cars like Mercedes-Benz CLA models.

One final type of optional car insurance coverage is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

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How to save money on Mercedes-Benz CLA car insurance

Looking to save on your Mercedes insurance for your CLA model? Check out the tips below! BrokerLink's car insurance experts have put together a list of money-saving tricks. From bundling your policies to signing up for driving school, these are our top tips for cutting insurance costs on your Mercedes insurance rates:

Discounts

Add winter tires to your Mercedes-Benz CLA

If you live in Canada, winter tires are a must—not just for safety but for savings, too. Many insurers offer a 5% winter tire discount for using them. Winter tires improve traction and control in icy conditions, reducing the risk of accidents. Plus, keeping your Mercedes CLA in top shape during winter could mean fewer claims and even better rates over time.

Bundle your policies

If you already have home or renters insurance, consider bundling it with your Mercedes-Benz CLA insurance to lower your overall premium. Many insurers offer multi-policy discounts, making it an easy way to save without any extra effort.

Keep a clean driving record

It’s no secret that safe drivers get better insurance rates. If you can avoid speeding tickets, accidents, and claims, you’ll be rewarded with lower premiums over time. Many insurers offer significant discounts for six or more years of accident-free driving—so it pays to drive carefully, especially in a high-performance vehicle like the CLA.

Insure multiple vehicles together

If your household has more than one vehicle—whether it’s another Mercedes or a different brand—insuring them under the same provider can get you a multi-car discount. You could save up to 20% per vehicle, making it a great option for families or couples with more than one car.

Consider where you park

Where you park, your CLA matters! Parking on the street or in a public space increases the risk of theft or damage, which could result in higher insurance costs. If you regularly park in a private garage, driveway, or secure parking lot, let your insurance provider know—you may be eligible for a discount!

Attend driving school

If you’re a younger driver or new behind the wheel, completing a certified defensive driving course could lower your insurance premium. Insurance providers see it as proof that you’re committed to safe driving—and they’ll often reward you with a discount.

Use a telematics device

If you’re confident in your driving skills, consider using a telematics device like an app or other device that tracks your driving habits. If you drive safely—avoiding hard braking, excessive speeding, and late-night driving—you could save up to 25% on your Mercedes CLA insurance.

Review your coverage often

Set aside a few minutes each year to go over your policy. Ask yourself: What coverage do I currently have? Does it still fit my needs? If not, could I lower my costs by adjusting or removing certain coverage? A quick review ensures your policy aligns with both your needs and budget.

Work with a trusted insurance broker

Our final tip for saving on Mercedes-Benz CLA car insurance is to work with a licensed insurance broker. Trusted brokerages like BrokerLink have experts who know the ins and outs of the industry and can help you find discounts and other ways to save on insurance costs.

Savings Options

Pay your premium annually

Paying your insurance premium in one lump sum instead of monthly can help avoid extra administrative fees. If it fits your budget, paying annually can save you money in the long run.

Increase your deductible

If you’re comfortable covering a higher out-of-pocket cost in case of a claim, increasing your deductible could significantly reduce your monthly insurance payments. Just be sure to choose a deductible that you can afford if an accident happens.

Ask about discounts

A lot of insurance companies have discounts that aren’t widely promoted. Whether it’s savings for students with good grades or lower rates for driving less, there may be hidden opportunities to reduce your Mercedes CLA insurance costs. A quick chat with your provider could reveal unexpected ways to save.

How Mercedes-Benz CLA car insurance rates are determined

Car insurance companies in Canada look at several factors when calculating Mercedes-Benz insurance rates for CLA drivers. While they’ll consider the make, model, and year of your vehicle, they’ll also take other things into account, like your age, claims history, and previous insurance coverage. Below, you’ll find a list of many of these factors:

The vehicle's make and model
Where you live (and work - if you drive to work)
Age
Driving experience
Driving history
Annual mileage
How you use your vehicle
Past claims
Your deductible
Prior insurance coverage
Policy options you choose and their limits

A Mercedes-Benz CLA model can cost more to insure compared to other vehicles due to its higher price and horsepower. Typically, sports cars with powerful engines and higher values come with higher insurance premiums. However, keep in mind that many different factors are considered when determining your Mercedes-Benz CLA insurance rates, so we recommend getting a free quote from BrokerLink for a more accurate estimate.

Now, keep in mind that insurance brokers like BrokerLink don’t choose your Mercedes car insurance rates—that’s up to the car insurance company. However, as your local brokerage, we can save you time by collecting car insurance quotes from multiple insurance providers and comparing them to help you find the best Mercedes-Benz CLA car insurance policy for your needs.

Why buy Mercedes-Benz CLA insurance from an insurance broker?

When it comes to buying Mercedes-Benz CLA insurance, you can either go directly through an insurance company or use an insurance broker. While both are good choices, many people prefer working with a broker because it saves them time and money.

Brokers do the legwork for you, shopping around and comparing policies on your behalf. And since brokers are licensed insurance experts, they can help you find the best deal and make sure you never overpay for coverage.

Plus, brokers aren’t tied to any one insurance company, which means you can trust that you’re getting an unbiased recommendation for your Mercedes-Benz CLA model.

About the Mercedes-Benz CLA

The Mercedes-Benz CLA is a line of luxury subcompact executive cars that Mercedes-Benz has been making since 2013. It was Mercedes-Benz's first front-wheel-drive vehicle available in the American market. Around 750,000 units of the first generation were sold worldwide.

Over the years, there have been various CLA models, including the CLA 200, CLA 250, and CLA 45. The second generation (C118) was introduced at the 2019 Consumer Electronics Show, with the AMG CLA35 debuting at the 2019 New York International Auto Show. In March 2020, Mercedes unveiled the CLA 250 e plug-in hybrid, available as both a coupé and an estate.

In 2023, the CLA received a facelift, which included the removal of the manual transmission, following similar changes to the A-Class and B-Class, marking the end of manual transmissions for Mercedes-Benz.

Contact BrokerLink

As insurance experts, BrokerLink can help you find an affordable policy with full coverage for your Mercedes-Benz CLA model in no time. We can also guide you through your province’s minimum insurance requirements, assist with renewing car insurance, and even offer tips for buying your first car. Get in touch with BrokerLink today to learn more about Mercedes-Benz CLA car insurance or to request a free quote from us.

Our insurance advisors are here to answer all your questions and help you find the best policy at a great price! You can also use our free online quote tool to get a Mercedes-Benz CLA car insurance quote in just minutes. We look forward to hearing from you!

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