Mercedes-Benz Insurance

What You Should Know About Mercedes-Benz Insurance

Mercedes E Class

Mercedes-Benz cars and SUVs are among the finest luxury vehicles on the road today. They offer performance, safety and reliability in one package. If you are considering purchasing a Mercedes-Benz, you likely have a lot of questions about these cars ranging from safety and performance to insurance considerations. If you already own one, you may be wondering if you are paying too much for your Mercedes-Benz insurance.

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Mercedes-Benz Facts

  • Mercedes-Benz was founded in  1926 under the name Daimler-Benz and is headquartered in Stuttgart, Germany
  • In 1936, the Mercedes-Benz 260D was the first ever diesel-engine passenger car
  • Porsche hand-built every Mercedes 500E vehicle, and it took 18 days to assemble each car
  • In 1959, the Mercedes Fintail was the first car ever to employ the “crumple zone” design for passenger safety
  • Mercedes-Benz employs one inspector for every 11 workers, and each car undergoes several separate inspections
  • Every Mercedes vehicle sits on a fully-independent, swing-axle suspension for a smooth, stable ride
  • All passengers seats for these vehicles were designed in consultation with orthopedic doctors and are contoured to support your kidneys, back and knee-joints if you are in a collision

Mercedes-Benz and Auto Theft

When you buy a Mercedes-Benz, you are making a large investment in your vehicle. You will want to be sure to protect your investment by including sufficient comprehensive coverage with your Mercedes-Benz insurance policy, so that if your car is stolen, vandalized or otherwise damaged while not on the road, you can receive compensation for your loss.

Unfortunately for owners of these luxury vehicles, Mercedes-Benz vehicles are frequently stolen. In fact, according to the National Insurance Crime Bureau, three Mercedes models made the list of most-frequently stolen vehicles in 2009, 2010 and 2011. The C-Class vehicles topped these ratings. Protect your vehicle with anti-theft devices, and be sure to get a comprehensive Mercedes-Benz car insurance policy.

Mercedes-Benz Cares About Your Safety

Mercedes-Benz has a virtually untarnished reputation when it comes to safety and performance, and this works in your favor when it comes to insurance rates. All Mercedes-Benz vehicles currently in production come equipped with standard safety features such as anti-lock brakes, stability control, and front-impact airbags.

In addition to those common features, Mercedes has been developing many new safety innovations included on many of their new vehicles:

  • PRE-SAFE®:  This system, which is currently exclusive to Mercedes-Benz, uses a system of sensors to detect an oncoming collision. If it senses that an accident is imminent, it tightens front seatbelts, adjusts front head restraints, and closes windows to better protect the occupants of the vehicle.
  • DISTRONIC PLUS with PRE-SAFE Brakes: This system helps prevent accidents that are caused by driver distraction. It uses sensors to scan the traffic ahead and detects sudden stops or slowing traffic patterns. If an accident appears imminent, it activates up to 40% of the car’s braking power and audibly alerts the driver.
  • ATTENTION ASSIST: This system can uses a series of calculations to detect if the driver is displaying signs of drowsiness. If so, it sounds a warning alarm to notify drivers of their drowsy condition so that they might pull over and take a rest.
  • Active Blind Spot Assist: This prevents vehicles from being lost in your blind-spots by using sensors to detect when another vehicle is alongside yours. A red light appears on your side-view mirror to notify you of its presence.
  • Active Lane Keeping Assist: A special camera in your car will keep track of the lines on the road. If the system senses that you are drifting out of your lane, it will notify you by vibrating the steering wheel. The car can even gently apply the brakes on one side of the vehicle to gently guide you back into the confines of your lane.

These safety features decrease your risk of an accident and insurance companies will take this into consideration when determining your insurance policy rates.

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What Mercedes-Benz Models Are Available?

Mercedes-Benz offers a variety of models designed to suit most customers’ tastes. The 2014 models include:

  • Mercedes-Benz C-Class; this includes the:
    • C300 4MATIC Luxury Sedan – MSRP $46,135
    • C300 4MATIC Sport Sedan – MSRP $45,770
    • Sport Coupe – MSRP $51,640
  • Mercedes-Benz CLS-Class; this includes the:
    • Base (A7) Coupe – MSRP $84,030
    • CLS63A – MSRP $114,390
  • Mercedes-Benz E-Class; this includes the:
    • Base (A7) Sedan – MSRP $62,440
    • E350 Cabriolet – MSRP $69,275
  • Mercedes-Benz GL-Class GL450 4MATIC SUV – MSRP $74,610
  • Mercedes-Benz GLK-Class GLK350 4MATIC SUV – MSRP $40,945
  • Mercedes-Benz M-Class; this includes the
    • ML350 4MATIC SUV – MSRP $61,525
    • ML550 SUV – MSRP $78,970
  • Mercedes-Benz SLK Class SLK350 Roadster – MSRP $63,210

MSRPs listed above are based on options available on most cars stocked on dealership lots. Of these cars, the most popular in the United States are the C-Class midsize luxury car, the E-Class large luxury car, and the M-Class midsize sport utility vehicle.

Mercedes C Class

The Mercedes-Benz C-Class Sedan

This medium-sized luxury sedan comes equipped with a 7-speed automatic transmission, a high-quality comfortable interior and a stylish exterior. Critics find it a fun and nimble car on the road, though they do say it is not the most maneuverable of the cars in its class. It gets decent gas mileage at 22 mpg in the city and 31 mpg on the highway, but these numbers are close to average for cars the midsize luxury car class. The backseat is not spacious but it is adequate for children.

The Insurance Institute for Highway Safety rated the 2013 version of these vehicles very highly for moderate overlap front collisions, side collisions, roof strength and head-restraints and seats. However, it gave this class of vehicle a poor rating for its handling of small overlap front collisions.

Mercedes E Class

The Mercedes-Benz E-Class Sedan

This car was rated the 2013 Best Luxury Full Size Car Families by U.S. News and World Report. It comes equipped with a 7-speed automatic transmission, an ultra-luxurious interior and an elegant exterior. Though it doesn’t provide sporty handling, it does offer a smooth and comfortable ride.  It gets fairly good gas mileage at 20 mpg in the city and 30 mpg on the highway, but these numbers are average for cars the large luxury car class. The front and back seats are both comfortable and spacious.

The Insurance Institute of Highway Safety rated the 2013 version of this vehicle very highly for moderate overlap front-end collisions, side collisions, roof strength, head-restraints and seats. Because this car also has very high reliability ratings, it is top-choice among large luxury cars.

Mercedes M Class

The Mercedes-Benz M-Class Sport Utility Vehicle

Performance is this vehicle’s strongest asset. It comes with a variety of powertrains including a V6, V8, a diesel and even a high-performance 518-horsepower AMG version, and all versions include a 7-speed automatic transmission. The interior of this 5-person SUV is comfortable and spacious and well-designed. Despite its high prices, however, the M-Class vehicles do not automatically include many of the options that are standard with most other vehicles in its class, so buyers must pay more to get options like leather seats, rear-view camera and push-button start. It gets reasonably good gas mileage at 18 mpg in the city and 23 mpg on the highway, which is slightly better than many SUVs in its class.

The Insurance Institute of Highway Safety rated the 2013 version of this vehicle very highly for moderate overlap front-end and side collisions, roof strength, head-restraints and seats. In addition to great safety ratings, these vehicles also score exceptionally well in terms of reliability.

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How Much Does Mercedes-Benz Car Insurance Cost?

Though high safety ratings prevent insurance rates for Mercedes-Benz vehicles from becoming too costly, they are still expensive vehicles to insure. This is partially because the high cost of the vehicles necessitates that you purchase high levels of comprehensive coverage in order to be fully insured.

There is also the issue of liability insurance. Most Mercedes-Benz owners have assets worth protecting. A liability lawsuit following a collision for which you are responsible can result in heavy losses if you do not have sufficient liability coverage. For this reason, many Mercedes-Benz owners elect to purchase the highest level of liability coverage available.

Several Mercedes-Benz models made Forbes Magazine's recent list of the most expensive cars to insure. Average 2012 annual insurance costs for cars that made the list were:

  • Mercedes-Benz C63 AMG Coupe: $5,532
  • Mercedes-Benz CL600: $3,307
  • Mercedes-Benz S600: $2,948
  • Mercedes-Benz CL65 AMG Coupe: $2,669
  • Mercedes-Benz CL63 AMG Coupe: $2,613
  • Mercedes-Benz SL550 Convertible: $2,458

If you do not want to spend this much for full-coverage insurance for your vehicle, this may not be the right car for you. But the good news is that if you have a clean driving record and many years behind the wheel, your rates may be lower than average.

Comparing Mercedes-Benz Insurance Quotes

Mercedes-Benz vehicles are expensive to purchase, own and insure, but for many drivers, these high-quality, luxury vehicles are the perfect choice. Before purchasing one of these highly-rated vehicles, be sure to factor in the cost of insurance when determining how much owning a Mercedes-Benz will cost you. If you already own a Mercedes-Benz, take a moment to review your current insurance policy to ensure that you are not overpaying for your coverage.

An independent insurance agent in the Trusted Choice network can help you determine whether you are protecting your assets with sufficient liability insurance, and can ensure that you are receiving your car insurance at the best rate. Contact a local agent now, and start comparing Mercedes-Benz car insurance quotes today.

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