Mercedes Car Insurance

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Key takeaways...
  • Mercedes Benzs are considered luxury cars
  • Luxury car  insurance costs more than insuring a Honda or family-style sedan
  • To keep insurance premiums low, inquire about applicable discounts

Status symbol, luxury automobile, and source of joy are given to those lucky enough to own a Mercedes Benz.

You’ve worked hard to be able to afford a luxury automobile; you want to be sure that your Mercedes car insurance will protect this treasure.

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Quality Costs

You know that it costs money to get high quality. There are plenty of places where you can save money, and auto insurance can be one of them.

Be prepared to pay for proper insurance on your car.

Remember that you are not only protecting the investment that is your car, but you are also insulating your other investments from the risk of lawsuits.

Reviews and Referrals

Online reviews can help you determine if an insurance company that looks good on paper is truly worth the premiums they charge.

Your friends and family can also point you towards auto insurance companies that are trustworthy, solid and financially sound.

View the Ratings

How financially solvent an insurance company is will affect how reliable they are about paying claims.

The ratings that are put together by J.D. Power, A.M. Best and Standard & Poor’s are more than just a quick review of pricing and products; they also give you valuable information about a company’s solvency.

When reviewing the rating information you will learn about the following:

  • Cost compared to other companies
  • Available options for coverage and other features
  • Overall fiscal responsibility and solvency
  • Ease of claims process
  • Quality of customer service

Understanding Coverage

Buying insurance can be confusing because there are so many options and different coverage levels.

Something to keep in mind when driving a luxury car is that other people will see your car and assume that you have deep pockets lined with money.

The best way to do this is to carry higher coverage limits so the insurance company, and their lawyers, can take on the burden of fighting the frivolous lawsuits for you.

  • Personal injury limits per person and per accident – State minimums could be as low as $10,000/ $25,000 for individual limits and per accident coverage. Considering the cost of medical treatments it’s clear that these amounts are far too low. Most people can carry limits of $100,000/ $300,000.
  • Property Damage – State minimums can be as low as $15,000 depending on your residence. Considering that most new cars cost $25,000 and up, this number should be increased to at least $100,000.
  • Uninsured motorist and underinsured motorist coverage – Most people think their insurance will cover them if they are hit by someone with no insurance. However, this is not true of many policies. Most policies state that the person at fault will pay the bill, and if they do not have insurance then you will have to sue them personally and hope that they have the assets to cover the damages.

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Other Features

There are other fine features that are being offered by insurance companies in the current market. When shopping around for insurance, consider asking for some of these features.

  • Gap insurance – If your car is totaled and you owe more than it is worth, gap insurance will pay the difference.
  • Roadside assistance – Flat tires can happen to anyone. Don’t pay extra for AAA protection when your insurance company might offer it free of charge or for just a few dollars more.
  • New car replacement program – Should your new car be totaled out, the insurance company will pay for it to be replaced with another new car.

Discounts

There are many car insurance discounts available to drivers, depending on the company. Ask what discounts you qualify for.

Here are a few of the discounts offered throughout the industry:

  • Multiple cars on one policy
  • Accident-free for three years or more
  • Citation free for three years or more
  • Safety features on your car such as airbags and anti-lock brakes
  • High grades for students
  • Defensive driver courses
  • Multiple policy discounts for people who have home, life or auto insurance with the same company
  • Military discounts
  • Long-time customer discounts
  • Discounts offered through your employer, school or other professional organization

When contacting car insurance companies for quotes, have a list of what you are looking for ahead of time. Know how much coverage you want for liability insurance and what deductible you are looking for.

A company that has a slightly higher premium with a much higher auto insurance rating may still be a better choice, so don’t let price be the only determining factor.

Choose a company that also has excellent customer service as well as a high rating and great products. You’ll want to make sure you have proper insurance for your Mercedes C class.

By taking the time to research insurance companies you can choose a company that will protect both you and your investment in a luxury Mercedes.

Let us do the research for you! Enter your zip code below and compare car insurance companies for FREE!

FREE Car Insurance Comparison

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