Mercedes-Benz insurance premiums can be kept to a minimum by comparison shopping, maintaining a strong credit score and ensuring that you are receiving credit for all discounts you qualify for.  A number of the factors that determine your Mercedes-Benz insurance premiums are well within your control.  Protect yourself by comparison shopping for the cheapest Mercedes-Benz insurance premiums available. 

Mercedes-Benz insurance premiums, as well as the insurance premiums for other luxury cars, are determined by a variety of factors. Some of those, you can control - others you cannot. Getting the best insurance rates for your Mercedes becomes far simpler when you educate yourself about how insurance companies determine your rates.

Tips for finding the most affordable Mercedes-Benz insurance premiums:

• Get the points taken off of your driving record.  By completing a very affordable driving improvement class online, points that have been placed against your driving record can be abolished. Having a clean driving record, regardless of the type of car you drive, yields less expensive auto insurance quotes. Also, by completing a defensive driving class, either online or off, you may very well qualify to receive a nice discount on your auto insurance policy. 
  
  
• Realize that most luxury cars are equipped with engines that produce higher horsepower ratings. Obviously, insuring the Mercedes-Benz SL55 AMG, with its 5.4L supercharged V8 that generates a massive 510 hp, is going to cost more than insuring your average 160-horsepower 4-cylinder. In fact, if you choose to drive a high-performance, luxury vehicle, then you should be prepared to spend up to an additional 20% for your car's auto insurance premium.

• Your credit score and spending/borrowing habits matter.  The actuaries employed by insurance providers accurately postulate that people who have high balances on their credit cards and/or apply for loans frequently are considerably more likely to file insurance claims. For that reason, you will find that there is a direct correlation between your credit score and the amount of auto insurance premiums that you pay. You can keep your Mercedes-Benz insurance premiums low by making sure that your credit score remains high. 
  
  
•  Realize that the Mercedes-Benz E-Class is one of the least stolen vehicles on the planet.  As of 2008, Forbes posted that the Benz E-Class sedan was not a vehicle that is desired by thieves. Of course, this has a lot to do with the fact that it was designed with comprehensive measures for theft deterrence. As we enter into 2010, more and more luxury automobile manufacturers are including features like Stolen Vehicle Slowdown, Stolen Vehicle Engine Disabling and Stolen Vehicle GPS Tracking systems. Savvy car thieves know this – and are very inclined to “shop” elsewhere.
  
• Read the small print on your auto insurance policy carefully and make sure that you are receiving all discounts that you are qualified to. Understand that discounts up to 35% are offered by some major insurance providers for actions as simple as installing a LoJack antitheft device. Other discounts to consider include:
  
  - Senior citizen discounts;
  - Good student discounts;
  - Low mileage discounts;
  - Safe drivers' discounts;
  - Safety feature discounts;
  - And many more...