Audi Auto Insurance vs Mercedes Auto Insurance

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Things to Remember...

  • There are many things to consider when you’re shopping for a new car including its design, capabilities, and cost of insurance
  • Audi has been in business for over a century and is headquartered in Ingolstadt, Germany
  • Mercedes-Benz is another long standing, auto manufacturer, which began operating in 1886

Audi and Mercedes-Benz have been producing stylish looking vehicles for decades that are famous for their engineering and reliability. If you’re in the market for an Audi or Mercedes, then you may also be wondering which manufacturer gets the best auto insurance before you make your decision!

There are many things to consider when you’re shopping for a new car including its design, capabilities, and cost of insurance. Depending on your circumstances and personality, however, certain vehicles may be better suited for you than others.

Due to the fact both Audi and Mercedes manufacture various types of vehicles, your insurance rates will depend on the car you buy as well as your own personal circumstances.

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Audi

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Audi has been in business for over a century and is headquartered in Ingolstadt, Germany. The company’s majority owner is Volkswagen AG, which is another multinational auto manufacturer.

Audi’s German motto is “Vorsprung durch Technik” which, according to the company’s official website, translates into “advancement through technology”.

Today, Audi continues to build several different types of vehicles, which in turn, come in various types of colors and designs. Some of Audi’s current models include the smaller, A-1 Sportback, the stylish S4 Sedan, the Q7 sport utility vehicle and the high-performance R8 GT Spyder.

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Mercedes

Mercedes-Benz is another long-standing auto manufacturer, which began operating in 1886. Although it is headquartered in Stuttgart, Germany, Mercedes has grown into an internationally recognized brand.

Mercedes is a division of Daimler AG, which is a multinational corporation.

Mercedes is also famous for its technological innovations and the company has had numerous successes in automotive racing.

Like Audi, Mercedes continues to build a wide variety of automobiles for different lifestyles, including sedans, coupes, SUVs, and crossovers.

Some of the current Mercedes models include the flashy SLS AMG, the classy looking C-Class Sedan, and the spacious GL-Class SUV.

Comparing Insurance for Audi and Mercedes

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When insurance providers determine what to charge a customer, the car they’re insuring is just one of the factors. As a result, what one person pays to insure their Mercedes B-Class Sports Tourer, may be significantly different from what another driver is charged to cover the exact same car.

What one driver pays to insure an Audi coupe, could be very different from what another pays to cover a Mercedes Benz with a very similar design and price tag.

In other words, when you compare insurance prices of Audi and Mercedes vehicles, it’s important to remember that your own situation and driving history will affect what you’re charged.

For example, according to Automobile Magazine, the 2012 Audi A5 Premium Coupe and 2012 Mercedes-Benz C-Class Coupe will cost the average person nearly the same amount of money to insure.

The Audi A5 costs on average $1,613 to insure for the year, while the Mercedes C Class runs $1,659. Although the cars have relatively similar designs, sale price and average insurance costs, your premiums could be more or less than most owners.

Valuable cars not only cost much more to repair, but they are more likely to be stolen. As a result, insurance providers charge more up front to protect themselves from costly damages they may have to pay.

Case in point, the high performance, 2012 R8 GT Convertible Spyder, has a whopping price tag of just over $200,000. As a result, it costs on average $4,620 dollars per year to insure, according to Automobile Magazine.

One of the pricier Mercedes-Benz is the company’s SLS AMG Roadster, which costs nearly $200,000. Accordingly, the powerful and flashy car costs a steep $4,471 on average to insure for the year.

Your Car’s Safety Features

A good way to lower your insurance costs is to buy an Audi or Mercedes that has received great safety ratings. If an insurance company sees that a vehicle is involved in serious accidents often, then it will charge more to insure it.

Cars that have modern safety features and hold up well in accidents are better at preventing serious injuries that cost providers lots of money.

You can find out more information about the safety features of each Mercedes and Audi model by referring to the companies’ official websites. Organizations like the Insurance Institute for Highway Safety (IIHS) also provide info about how each vehicle ranks in terms of safety.

For example, according to the IIHS, from 2009 through 2012, the Audi A4 Sedan has received a “good” rating for moderate overlap front, side, rollover, and rear impact tests. The A4 received a “poor” score, however, for its small overlap front test.

The Mercedes C-Class series has also scored well on impact tests from the IIHS. From 2009 until 2012 the car has also received a “good” rating for moderate overlap front, side, rollover and rear impact tests. The C-Class also earned a “poor” rating on the small overlap front test.

Types of Coverage

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The amount you pay to insure your Audi or Mercedes also depends greatly on how much coverage you buy. Due to the significant value of new Audis and Mercedes, however, you should consider buying a good amount of insurance. Here are a few types to consider:

  • Liability insurance – Virtually every state requires drivers by law to purchase liability coverage. This will help pay for the damages you cause to another driver or person’s property in an accident. Serious car crashes can result in thousands of damages, so having a good amount of liability coverage is important.
  • Collision insurance – will help cover the repairs your Audi or Mercedes needs if you’re responsible for a crash. Due to the car’s aforementioned value and engineering, repairs could be pricey, so you’ll be glad you happy you bought it.
  • Comprehensive insurance – helps pay for the repairs your car needs if it is involved in an incident not involving a motorist. Acts of vandalism and theft are covered by comprehensive insurance, and because Audi and Mercedes are highly sought after by thieves, buying this type of coverage is a must.

If you own a really old and less valuable Audi or Mercedes, however, you may not need collision or comprehensive insurance. Depending on the car, repairing an older model may not be that expensive.

Before you buy insurance for your Audi or Mercedes, carefully consider how much you’re driving and where. Remember, the more your car is on the road and around other vehicles, the more likely an accident is.

Your Personal Circumstances

Aside from the car itself, and how much coverage you want, your personal circumstances have a big effect on your insurance rates. If you’ve caused accidents in the past, then insurance providers will charge you more.

Alternatively, if you’ve been caught speeding quite a few times, a company will raise your rates. Providers offer lower prices to safe drivers that haven’t filed many insurance claims.

A good way to demonstrate that you’re a responsible driver is to take driving lessons. If you haven’t completed driving related courses then you should consider doing so. Most companies offer discounted rates to people who have completed driver’s lessons.

You’ll probably pay less to insure your Audi or Mercedes if you have a good credit rating.

Although someone could be an excellent driver, if they’ve had financial troubles in the past, then an insurance company may be concerned about getting their money on time. As a result, they will charge more to insure the car.

Your Insurance Provider

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A great way to lower your insurance rates is to shop around and compare providers. First, it is a good idea to do some research online and see which companies have received good reviews from their customers.

Once you’ve decided on a couple of reputable companies it’s time to shop for quotes.

One of the best ways to do this is to use a website that specializes in comparing insurance quotes. Once you’ve provided some general info the site will deliver you estimates from the major providers you’re interested in.

You can even take the best quote to another company and see if they will match or beat it!

Ask for a Discount

It never hurts to ask for a discount, in fact, you could save some big money by doing so! Many providers offer discounts to people with great credit ratings and driving records. If you’re an Armed Forces vet, senior citizen or good student, you may also qualify for a discount.

You can find great insurance for all your vehicles now by entering your zip code into the FREE box below!

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