Mercedes Car Insurance - Saving Money on Your Mercedes Insurance Policy

Since buying a Mercedes is a significant investment, you should get the best insurance that you can afford to protect your investment. Don’t skimp on getting the best coverage for your Mercedes. After all, it is one of the best engineered cars in the world.

Since Mercedes sedans and coupes come in different classes, with huge distinctions between C, E, S, CLS, CL, SLK, SL, R, GLK, M, GL, G Class Mercedes, it’s impossible to define specific insurance parameters. For instance, although both the E-Class and the S-Class have been favorably ranked by JD Power And Associates as lower premium cars, they do so for completely different reasons. The E-Class, a midsize car, offers attractive insurance rates because of its economical size, while the S-Class, a large car, has lower insurance rates because of its ability to do withstand the impact of a collision.

Mercedes cars come with huge distinctions between models. Some have two doors. Others have four doors. Some are sedans. Others are coupes. Some are affordable, within the $30,000 price range. Others are equal to the price of a small house, within the $100,000 price range. Naturally, these distinctions make a huge difference in insurance rates.

Again, you would think the SUVs might cost higher rates because of high gas consumption, but the Insurance Institute of Highway Safety awarded the R-Class the Highest Safety Award, thus making it a lower premium vehicle.

However, one thing is clear: it’s a myth to assume that insurance rates for all Mercedes Benz insurance cars are high. A more accurate perspective is to say that the safer the model, the lower the insurance costs.
In addition, to considering insurance rates based on the model, there are two ways of saving on Mercedes insurance. One is through shopping around for the best rates, and the other is through getting discounts.

Here are some tips on how to shop for the best rates:

1. Instead of using the telephone to call around, use the Internet. By using an insurance directory, you can compare rates alongside each other. You can look at multiple providers all at the same time and make some clear comparisons.

2. If you feel you need expert advice, then by all means find an independent insurance agent. They can do an expert search for you, knowing what criteria you have in mind.

Here are some tips on how to get discounts:

1. A safe driver discount. You will qualify if you have had very few traffic tickets in the past few years.

2. Defensive driver discount. You will qualify if you have taken a class in defensive driving.

3. Anti-theft discount. You will qualify if you have taken some anti-theft measures to make sure your car is parked safely at night or properly secured in unsafe neighborhoods.

4. Military discount. You will qualify if you served in the military.

5. Low mileage discount for drivers. You will qualify if don’t drive your Mercedes around that much.

You can also get lower insurance rates by looking into multi-policy and multi-car discounts. These ways allow you to save on your car insurance without compromising on the quality of coverage is to bundle your car insurance needs with your other insurance needs. By choosing an insurance company that provides a variety of insurance policies, you can get a multi-policy discount. You can, for example, bundle your homeowner’s insurance policy with your auto insurance policy by using the same insurer. If you have more than one car, you can also apply for multi-car discounts.

When looking into buying insurance for a Mercedes Benz, it’s important to plan ahead and not rush into it. A growing trend in the automotive insurance industry is the quick availability of insurance. While this satisfies the cultural need for instant gratification, it is not prudent to rush through the process of getting the right insurance for your Mercedes. When you rush through the various decisions you have to make to get the best coverage, you’re bound to forget something important. You don’t want to be reminded about what you forgot to consider when you have to make a claim.