Top 5 Cheapest Liability Car Insurance Illinois With Full Coverage for Mercedes Benz (A Class, C Class, GLE)

Purchasing a Mercedes Benz is a major investment. Ensuring you have adequate car insurance coverage to protect your assets is essential. This guide will explore the top 5 most affordable insurance providers in Illinois that offer comprehensive protection for Mercedes owners.

We'll cover what coverage limits to look for, how pricing is determined, and provide an overview of each company's customer service reputation. Read on to make an informed decision to secure the right liability and collision insurance for your needs and budget.

Best 5 Car Insurance Companies in Illinois for Affordable Coverage and Reliable Quotes

• State Farm: Offers competitive rates and full coverage options, making it a top choice for car insurance in Illinois.
• Geico: Known for cheap car insurance quotes online, Geico is ideal for new and young drivers seeking affordability.
• Allstate: Provides a range of car insurance policies near you, with tools to manage your policy online.
• Country Financial: Offers personalized service and best-in-class insurance solutions for Illinois drivers.
• Liberty Mutual: Features no deposit car insurance options and is one of the top insurance companies for competitive rates.

What Coverage Limits Should You Have on a Mercedes?

Before comparing providers, it's important to understand what coverage limits are recommended for adequately protecting a Mercedes vehicle. Here are some guidelines:

• Liability coverage: $100,000 per person/$300,000 per accident, bodily injury, $100,000 property damage. This covers injuries or damage you may cause others in an at-fault accident. Mercedes are higher-value cars, so higher limits are wise.
• Comprehensive/collision: Actual cash value of the vehicle. This pays to repair or replace your car if it's damaged or stolen. Mercedes vehicles are costly to fix, so having adequate limits is essential.
• Uninsured/underinsured motorist: $100,000 per person/$300,000 per accident protects you if an at-fault driver lacks sufficient coverage. Wise to match your liability limits.
• Additional options: Roadside assistance, rental reimbursement, and rideshare coverage if applicable.

Getting quotes with these recommended limits will give you an accurate pricing comparison between insurers.

What Factors Determine Insurance Costs?

Car insurance rates are based on a variety of factors. Here are key considerations that affect Mercedes insurance pricing in Illinois:

• Driving record - insurers reward safe, accident-free driving with lower premiums
• Location - rates are partly based on crime stats and accident frequency in your area
• Age/gender - younger drivers and males often pay more
• Credit history - better credit can earn discounts from some insurers
• Annual mileage - lower mileage may qualify you for a low usage discount
• Deductible - higher deductibles lower rates but mean more out-of-pocket costs if you have a claim
• Anti-theft devices - discounts may apply for having gear like GPS tracking installed

Comparing quotes from multiple insurers is wise, as pricing algorithms differ. Now, let's explore top Illinois insurance providers for Mercedes owners.

State Farm - Reliable Coverage and Local Agents

State Farm is the #1 auto insurer in Illinois. They have a reputation for competitive pricing and stellar customer service.

Rates: Expect to pay $1,100 - $1,400 annually to insure a Mercedes C Class or GLE with State Farm.

Highlights:

• Over 19,000 local agents provide personalized guidance. Excellent claims service.
• Numerous discounts are offered, like good student, safe driver, anti-theft device, and multi-policy.
• Usage-based program ("Drive Safe & Save") rewards safe driving with policy discounts.
• Standard coverage, along with extras like roadside assistance and rideshare coverage available.
• Ay, average customer satisfaction - some increases at renewal but overall reliable protection.

With discounts and the support of a local agent, State Farm is a solid choice for Mercedes coverage.

Geico - Discount Rates with Digital Convenience

Geico focuses on keeping costs low while offering coverage online/over the phone.

Rates: Approximately $1,250 - $1,500 annually for a Mercedes C Class, $1,600 - $1,900 for a GLE 350.

Highlights:

• Extremely affordable base rates are great for budget-conscious buyers.
• Coverage can be purchased completely online/over the phone for convenience.
• Good claims process and the mobile app add convenience. Network of local adjusters.
• Only average customer service ratings - lacks local agent assistance.
• Fewer discounts/extras than some competitors. But low rates appeal to many.

For the cheapest, no-frills liability and collision insurance, Geico is tough to beat. Their digital process makes buying/managing policies simple.

Allstate - Comprehensive Protection and Local Agents

Allstate has a strong Midwest presence and a reputation for good customer service.

Rates: Around $1,300 - $1,600 annually for a Mercedes A-Class, $1,800 - $2,100 for a GLE 350.

Highlights:

• Competitive pricing, especially for good drivers. Numerous discounts are available.
• Excellent customer satisfaction - helpful local agents and fast claims resolution.
• Drivewise program rewards safe driving with discounted rates.
• Standard coverage plus extras like roadside assistance and rental reimbursement.
• Higher rates than some discount insurers but excellent service reputation.

Allstate's combination of affordable pricing and stellar service makes it a great choice for Mercedes owners.

Country Financial - Local Expertise, Exceptional Care

Country Financial focuses on providing personalized coverage. They shine when it comes to customer satisfaction.

Rates: Approximately $1,300 - $1,600 annually for a Mercedes A-Class, $1,800 - $2,100 for a GLE 350.

Highlights:

• Competitive pricing is tailored to each driver's specific needs.
• Exceptional customer service ratings - friendly local agents.
• Quick local claims service with extras like rental car reimbursement.
• Numerous discounts for safe drivers, multi-vehicle households, anti-theft devices, etc.
• The successful regional company focused on community relationships.
• Sells exclusively through local agents for personalized guidance.

For Mercedes owners who value one-on-one expertise and caring service, Country Financial is a top choice.

Liberty Mutual - Discounts and Reliable Protection

With over 100 years in business, Liberty Mutual has a strong reputation for service and affordable pricing.

Rates: Around $1,400 - $1,700 annually for a Mercedes A-Class, $1,900 - $2,200 for a GLE 350.

Highlights:

• Competitive liability and collision coverage rates.
• Usage-based Liberty Guardian app rewards safe driving with discounts.
• 24/7 support by phone or online, plus help from local agents.
• Numerous coverage options and discounts are available.
• High marks for claims satisfaction - timely resolutions and support.
• It may be pricier than some competitors, but it back policies with financial strength.

Liberty Mutual's combination of discounts, personalized service, and reputation make it a solid choice.

Choosing the Best Insurance for Your Mercedes

While prices and coverage options are critical, also consider each insurer's customer service reputation. Getting support when you need it most can make all the difference.

We recommend having your agent explain policy details and exclusions to avoid surprises in the event of a claim. Ask about bundling home or life insurance for multi-policy discounts.

Reviewing these top Illinois providers' ratings and discussing options with an agent you trust is the best way to secure optimal protection for your Mercedes. Prioritize cost, coverage, and customer care based on what matters most to you. With some smart research, you can find an ideal policy to properly insure your prized investment.

Frequently Asked Questions (FAQ)

How much liability insurance should I buy for a Mercedes in Illinois?

We recommend at least $100,000 bodily injury per person, $300,000 bodily injury per accident, and $100,000 property damage liability. Higher limits are wise for high-end vehicles.

Is aftermarket theft protection required for Mercedes insurance?

No, but insurers may provide discounts if you have anti-theft devices like alarms and GPS trackers installed. This can help lower your costs.

What impacts Mercedes insurance rates most?

Your driving record and location are two of the biggest factors. Discounts for safe driving and bundled policies can also significantly reduce your costs.

Does Mercedes offer OEM parts coverage?

Mercedes doesn't directly offer this coverage, but some insurers like Allstate have OEM parts replacement options available for an additional premium.

Can I get Mercedes insurance without comprehensive and collision?

Yes, you can buy basic liability-only insurance. But this only covers the damage you cause others, not your own Mercedes. So, it's generally not recommended.

What discounts should I ask about to lower my Mercedes premium?

Common discounts include multi-policy bundling, anti-theft devices, good student, and safe driver programs like Allstate's Drivewise and State Farm's Drive Safe and Save.

How much does insurance typically cost for a Mercedes in Illinois?

Expect rates between $1,100 - $2,200 per year, depending on your age, record, location and amount of coverage purchased. High-end models exceed $2,500 annually.

Is Mercedes considered a luxury vehicle by insurance companies?

Yes, Mercedes are classified as luxury vehicles by insurers. This results in higher premiums than average cars due to their value, repair costs, and performance capabilities.

Does Mercedes require higher liability insurance limits?

It's wise to purchase above state minimum liability limits when insuring expensive vehicles. We recommend $100,000/$300,000 bodily injury and $100,000 property damage liability.

Will incidents in another vehicle affect my Mercedes insurance?

Yes, insurers consider your overall driving record when pricing policies. Violations or claims in another car you drive will likely impact your Mercedes rates.

Disclaimer: The reviewed car insurance products are stand-alone services, and we have no direct involvement in their quotes or influence over rates and terms. Requesting a car insurance quote does not guarantee approval, and some products may perform other checks. Some car insurance products may not be available in all states. This article provides general information, and although we strive for accuracy, we are not liable for errors or omissions. Some links may be affiliate links, and we may earn commissions if clicked. Verify information independently and seek professional advice before making decisions; use of this article implies acceptance of these terms.