Mercedes-Benz Auto Insurance

Find out about discounts, safety ratings, and other important information which can save you money on car insurance.

Mercedes-Benz is known and respected throughout the world as one of the leading manufacturers of luxury automobiles. The company is headquartered in Stuttgart, Germany, and also is a major producer of buses, coaches, and trucks. It is currently a division of Daimler AG.

The name Daimler-Benz first appeared in 1926 but the actual founder of the company is considered to be Karl Benz. In 1886, he designed and produced the Benz Patent Motorwagen which is generally regarded as the world’s first automobile. In 1901, Gottlieb Daimler introduced the Mercedes and it has been a successful partnership ever since. Together, these two innovative geniuses created automobiles which were ahead of their time with regards to safety and technology. This reputation for safety, durability and of course luxury has kept Mercedes-Benz at the forefront in the automobile industry. These cars have withstood the test of time and have only become more valuable and sought-after by those who can afford them.

As proof of the company’s commitment to passenger safety, Mercedes has licensed its many innovations and allowed competitors to use them. The crumple zones and anti-lock brakes which are standard in today’s vehicles all were developed, designed and first introduced by Mercedes-Benz.

Probably as well-known as the cars themselves, the Mercedes-Benz logo is also famous around the world. The original design is credited to Herr Daimler and is a three-pointed star which supposedly signifies the company’s “domination of the land, the sea, and the air”. The laurel wreath was added in 1926 when the two firms merged.

For 2012, Mercedes offers a wide variety of sedans and coupes, SUVs and crossovers, and Roadsters and Supercars. Each model has the luxurious interiors for which Mercedes is famous but also features highly advanced safety technology. Buying this brand of car is an investment but one which gives its owners a feeling of pride and security.

If you are a proud owner of a Mercedes-Benz or are considering buying one of these luxury vehicles, you will be happy to know that these cars are covered by some of the industry’s best service plans and warranties. With proper maintenance, a Mercedes can easily exceed 200,000 miles on the original engine. Not many auto manufacturers can make this claim!

Insurance coverage on an expensive automobile like Mercedes will generally cost more than for moderately priced cars.. This is mainly due to the high cost of parts and repairs in the event of an accident. On the other hand, these automobiles come fully equipped with the latest safety features and anti-theft devices which will help keep the cost of an annual premium low.

It’s a good idea to contact several different insurance companies and compare quotes before making a final decision. Agents use many factors when determining the cost of your insurance. The make and model of the vehicle are considered but your personal information is normally weighed more heavily. This includes your age, your driving record, where you live, and even your credit score.

There are things you can do to help lower the cost of your insurance premiums. Maintain a clean driving record and take advantage of available discounts. Most insurance companies offer various discounts such as safe driver, good student, low mileage, and many others. Check with your agent to see if you qualify.

Mercedes risk considerations
Mercedes-Benz automobiles are not considered a great theft risk. They feature so many safety and anti-theft options that most professional car thieves will look elsewhere.

Crash Test Results for Mercedes-Benz
Every year, the Insurance Institute for Highway Safety tests thousands of vehicles to determine crashworthiness. This translates to how well a certain car model will protect its occupants in the event of a crash. The following Mercedes-Benz models were named as Top Safety Picks for 2012 by the IIHS. This means these cars received a good rating in all areas- high speed front and side crash tests, head/seat restraint protection against neck injuries in a rear impact crash, and the rollover crash test.

  • Midsize luxury cars - Mercedes C class
  • Large luxury cars - Mercedes E class (both the 2-door and 4-door models)
  • Midsize luxury SUVs - Mercedes GLK and M Class

Cost of Mercedes-Benz Auto Insurance
When you are planning for car ownership expenses, it is always a good idea to include the cost of insurance. A luxury brand such as Mercedes will cost more to insure mainly due to the higher cost of parts and labor. The following quotes are offered as a guideline for what you might expect to pay for a yearly premium. Your actual cost will be influenced by your personal information so your rates may be higher or lower, depending on the situation.

The Mercedes-Benz E class will generally cost around $1700 for an annual policy. The Mercedes-Benz CLK class averages $1850. The Mercedes-Benz S class and the SL class are the most expensive models to insure. You can expect to pay around $2450 a year for insurance coverage.