2013 Mercedes C Class Insurance Analysis

If you are looking for a 2013 Mercedes C-Class be ready for a variety of choices, including the insurance premium.

Mercedes C-Class

The 2013 Mercedes C-Class comes in 9 different versions and has a price range that spans over $27,000. With this many options and huge price range the insurance for this particular model of car is going to have a broad range of premiums. For the premium on the particular model of 2013 C-Class you are looking at, consult your insurance agent for a quote.

The Different Versions of the 2013 Mercedes C-Class

For drivers that want a vehicle that gives them quite a few different body styles and options to choose from, the Mercedes C-Class is it. Drivers first get to choose from a sedan model (4 doors) or a coupe model (2 doors).

In the sedan model, drivers have the option of the:

• C250 Sport
• C250 Luxury
• C300 4MATIC Sport
• C300 4MATIC Luxury
• C350 Sport
• C63 AMG

In the coupe model, drivers have the options of the:

• C250 Coupe
• C350 Coupe
• C63 Coupe

2013 Mercedes C-Class Safety

The 2013 Mercedes C-Class is an Insurance Institute for Highway Safety (IIHS) “Top Safety Pick”. It received the IIHS’s highest rating of “good” in 4 out of the 5 safety tests they conduct. These tests included the roof strength test (rollover accidents), the rear crash protection/head restraint ratings (rear-end accident), the side impact test, and the moderate overlap front test (head on collision).

The only test that the 2013 C-Class did not receive a “good” rating in was for the small overlap front test. This test looks at how well the car would do if hit only in the front corner of the driver’s side. Not only did the C-Class not receive a “good” rating, they actually received a “poor” rating, which is the lowest rating the IIHS gives for its testing.

Insurance Thoughts on the Mercedes C-Class

Even with that one poor rating, the 2013 Mercedes C-Class is still a “Top Safety Pick” which makes it a safe car to drive. This high safety rating will translate in to lower premiums for medical payments and pip insurance coverages.

The main coverages you are going to see a wide range of premiums in are the liability, collision, and comprehensive coverages.

The liability coverages are going to vary because you have everything from a luxury 4-door sedan to a sports coupe to choose from in this vehicle. Each of these different versions are usually looked at differently by the insurance companies given the loss history. The sports coupes will most likely have the higher liability premium given the reputation of faster, younger drivers wanting this version. On the other end of the spectrum, the luxury version will appeal more to the older driver or ones with a family, giving it a lower premium.

Comprehensive and collision coverage will definitely vary based on price. The more expensive version will see the higher premium and the less expensive versions will be a little more cost friendly.

Again, always consult your insurance agent for an insurance quote before you purchase a new vehicle, but especially for a vehicle like the 2013 Mercedes C-Class.