How to Get the Best Budget-Friendly Mercedes Benz Insurance?

Mercedes-Benz – a luxurious gem and a dream of almost every automotive aficionado. Reflecting a genuine European spirit, Mercedes-Benz is one of the most wanted vehicles in the United States. But it comes with a hefty price tag, especially when it comes to its insurance.
mercedes benz insurance

Driving a first-class car requires substantial investments, not only in terms of upgrades and detailing but also in insurance rates. The average Mercedes Benz car insurance cost depends on many factors, but the model you own is what can make significant changes in your coverage rates. Entry-level A-class vehicles cost less to insure than cutting-edge S-class cars.

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How Much is Mercedes Benz Insurance Cost?

The truth is that Mercedes-Benz insurance cost is higher than average car brand coverage. But shopping around and requesting quotes from different insurance providers may help you get a better deal and cover your vehicle at a more reasonable price.

The average Mercedes car insurance policy cost is $1,640 per year, which is almost 40% higher than the coverage for other brands. Still, your premium cost will depend on the model and your Mercedes class, the state where you live, and the insurance agency you’ve chosen.

You may expect to pay about $800 to insure models such as C-Class, E-Class, and G-Class, while the premium price for some popular models may go up to $4,000.

How Much is Insurance for a Mercedes-Benz C-Class?

Apart from being a luxurious and high-end vehicle, Mercedes-Benz has top-notch safety features for which insurance providers tend to offer lower coverage rates. The C-Class is eligible for different car insurance discounts that allow you to save extra money on your premium.

The average insurance cost for Mercedes Benz C300 goes around $1,600 to $2,000 annually, which is between $125 and $180 a month. Still, your auto insurance rates will also depend on other factors, such as driving record, credit score, the state where you live, and how much you plan to use the vehicle.

Here is the average insurance cost of Mercedes Benz C300 based on coverage types. The annual rates may vary by the model year, as well.

Model

Liability Insurance

Comprehensive Insurance

Collision Insurance

Full Insurance Rates

Mercedes-Benz C300$372 – $416$356 – $404$668 – $718$1,598 – $1,652

Even though coverage providers tend to decrease the price of insurance for Mercedes Benz due to its improved safety features, the costs remain high. High-end Mercedes cars have more powerful engines, more space for passengers and gear, as well as luxurious seats with massaging add-ons. All these assets contribute to higher costs of repair and maintenance, leading to pricier premiums.

Best Car Insurance for Mercedes Benz in California

Mercedes insurance in California is expensive because California is a densely-populated state with exceptionally high-crime areas. Besides, there are many drivers in California, and some of them even drive without a minimum liability insurance policy. Car repair costs and healthcare expenses are becoming higher, so coverage rates are offered at a higher price than in other states around the USA.

The following are the cities in California with the most expensive car insurance rates:

  • Los Angeles – $1,991
  • Sacramento – $1,767
  • San Diego – $1,538

Although Mercedes car insurance in California is quite expensive, it doesn’t mean that you cannot earn valuable discounts and save money in the long run.

How to Get Lower Mercedes Insurance Rates in California?

Your location is not the only factor that impacts the Mercedes Benz insurance cost. Your auto insurance provider will consider other aspects when crafting the premium and determining the exact price.

Take a look at the 5 tips for lowering car insurance rates in California:

1.      Shop Around

It is vital not to go for the first option you find, especially if it seems overly expensive. Shopping around and requesting quotes from different insurance providers is a key to getting the most affordable car insurance.

Visit two or three companies and check for the services they offer. Finding an insurance agency and letting them craft a custom-tailored plan according to your needs and budget is one of the best options you have. That way, you can choose the services you need and ditch the unnecessary coverages.

2.      Be a Careful and Conscious Driver

Drivers with a clean driving record are more likely to get discounts than those with a history of accidents and violations. Reckless drivers represent a financial threat for an insurance company, which is why they tend to get pricier premiums. Remember that even the smallest violation counts as a minus, so it’s better to drive carefully if you want excellent coverage without breaking the bank.

Mercedes insurance near me

3.      Increase the Deductibles

Deductibles refer to the amount of money you’re ready to pay out of your pocket before the insurance kicks in, in case of property damage, bodily injuries, or car accidents in general. Many people tend to choose lower deductibles, but that may not be the best option if you’re looking for a cheaper rate. When deductibles are higher, your car insurance policy price may be significantly lower.

4.      Insure More Vehicles with Same Company

If you choose to insure more vehicles with the same company or agency, you can get discounts. So, if your husband or wife are looking for car insurance, it’s better to take one with your provider in order to get lower premiums.

5.      Combine Home and Auto Insurance

If you already have homeowners insurance with one company, let it be your go-to choice for insuring your car, too. Most insurance companies and agencies offer discounts to clients who decide to cover various assets with them.

Mercedes-Benz – A Brief History of the Worldwide Acknowledged Carmaker

Before we get to specific insurance rates, let’s talk about this illustrious carmaker. Mercedes-Benz’s brand name dates back to 1926 and the merger between the two biggest automotive companies at the time, owned by Gottlieb Daimler and Karl Benz. Therefore, the first Mercedes-Benz vehicles were produced back then.

So, how did the name Mercedes come up?

The story behind the name Mercedes is associated with the daughter of the Austrian diplomat, Mercedes. The diplomat was also a racing enthusiast, and he wanted to name the vehicle after her. The name gained enormous popularity, which is why it was trademarked in 1902, and it has remained the same even after all these years.

Mercedes-Benz is considered one of the most popular vehicle brands of today. All the Mercedes-Benz classes feature luxurious design, impeccable performance, and increased safety measures. Mercedes-Benz owners can enjoy the perks provided by various 5-star hotels worldwide, thanks to the company’s partnerships with other industries.