Cheap Mercedes-Benz A-Class Car Insurance in 2024 (10 Affordable Companies)
USAA, Safeco Insurance, and AAA are the top providers for cheap Mercedes-Benz A-Class car insurance, starting at just $95 per month. USAA offers exceptional Roadside Assistance, Safeco excels with user-friendly Online Tools, and AAA rewards loyalty. Secure your Mercedes-Benz A-Class insurance coverage today.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
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UPDATED: Oct 15, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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6,435 reviewsCompany Facts
Min. Coverage for Mercedes-Benz A-Class
A.M. Best Rating
Complaint Level
Pros & Cons
6,435 reviews
1,171 reviewsCompany Facts
Min. Coverage for Mercedes-Benz A-Class
A.M. Best Rating
Complaint Level
Pros & Cons
1,171 reviewsUSAA emerges as the undisputed top pick for cheap Mercedes-Benz A-Class car insurance, renowned for offering competitive rates starting at just $95 per month, along with USAA car insurance discounts.
Factors such as the specific vehicle model, the age of the driver, their driving history, and the geographical location all significantly influence insurance premiums.
Our Top 10 Company Picks: Cheap Mercedes-Benz A-Class Car Insurance
Company Rank Monthly Rates A.M. Best Best For Jump to Pros/Cons
#1 $95 A++ Roadside Assistance USAA
#2 $146 A Online Tools Safeco
#3 $182 A Loyalty Rewards AAA
#4 $207 A Claims Service American Family
#5 $235 A+ Tailored Policies The Hartford
#6 $238 A+ Add-on Coverages Amica Mutual
#7 $260 A+ Usage-Based Discount Allstate
#8 $317 A First-Responder Discount Farmers
#9 $325 A Customer Service Liberty Mutual
#10 $327 A+ Military Savings Progressive
Learn how USAA, along with Safeco and AAA, provide tailored coverage options to ensure affordable protection for your Mercedes-Benz A-Class.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
- USAA offers coverage for cheap Mercedes-Benz A-Class at just $95 per month
- Discover cheap Mercedes-Benz A-Class car insurance tailored to your needs
- Learn how factors like model, driver age, and location affect premium rates
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#1 – USAA: Top Pick Overall
Pros
- Competitive Rates: Affordable premiums for military members and their families make cheap Mercedes-Benz A-Class car insurance cost-effective.
- Military Commitment: USAA insurance review and ratings exhibit exceptional commitment to military families ensuring top-tier service and satisfaction for cheap Mercedes-Benz A-Class car owners.
- Comprehensive Coverage: Offers a wide range of coverage options to suit different needs, providing flexibility for those seeking cheap Mercedes-Benz A-Class car insurance.
Cons
- Limited Eligibility: Only available to military members and their families, restricting access to cheap Mercedes-Benz A-Class car insurance.
- Few Physical Locations: Fewer local offices compared to other insurers, which can be inconvenient for those seeking cheap Mercedes-Benz A-Class car insurance.
#2 – Safeco: Best for Filing Claims
Pros
- Flexible Coverage Options: Various policies to fit unique needs, offering customization for cheap Mercedes-Benz A-Class car insurance.
- Efficient Claims Process: Safeco insurance review and ratings flaunt efficient claims processing that ensures prompt resolution and customer satisfaction for cheap Mercedes-Benz A-Class car insurance.
- Discounts Available: Offers multiple discounts for policyholders, helping to reduce premiums for cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Premiums: Slightly more expensive compared to some competitors, impacting affordability for cheap Mercedes-Benz A-Class car insurance.
- Customer Service Variability: Inconsistent customer service experiences, which can affect satisfaction with cheap Mercedes-Benz A-Class car insurance.
#3 – AAA: Best for Customer Service
Pros
- Member Benefits: Offers additional perks for AAA members, adding value to the membership when looking for cheap Mercedes-Benz A-Class car insurance.
- Roadside Assistance: Reliable and widely praised roadside assistance services provide peace of mind for those with cheap Mercedes-Benz A-Class car insurance.
- Superior Service: AAA insurance review and ratings superior customer support, setting the industry standard with responsive service and extensive benefits for its members seeking cheap Mercedes-Benz A-Class car insurance.
Cons
- Membership Required: Must be a AAA member to access insurance, adding an extra step to obtaining cheap Mercedes-Benz A-Class car insurance.
- Limited Availability: Not available in all areas, limiting access for some potential customers seeking cheap Mercedes-Benz A-Class car insurance.
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#4 – American Family: Best for Discounts
Pros
- Discount Options: American Family insurance review and ratings highlight generous savings opportunities with a wide array of discounts, making it an excellent choice for cheap Mercedes-Benz A-Class car insurance.
- Customizable Policies: Offers the ability to tailor policies to individual needs, providing flexibility for those seeking cheap Mercedes-Benz A-Class car insurance.
- Strong Customer Service: Well-regarded for responsive and helpful support, ensuring customer satisfaction with cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Rates: Base premiums can be higher before applying discounts, affecting initial affordability for cheap Mercedes-Benz A-Class car insurance.
- Regional Availability: Limited to certain regions, which may restrict access for some customers seeking cheap Mercedes-Benz A-Class car insurance.
#5 – The Hartford: Best for Older Drivers
Pros
- Tailored Coverage: Policies designed specifically for older drivers, meeting their unique needs for cheap Mercedes-Benz A-Class car insurance.
- Senior Solutions: The Hartford insurance review and ratings spotlight tailored insurance solutions for older drivers, providing specialized policies that meet the unique needs of mature motorists.
- Excellent Customer Support: High ratings for customer service ensure a positive experience for those with cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Premiums: Can be more expensive compared to other insurers, impacting cost-effectiveness for cheap Mercedes-Benz A-Class car insurance.
- Eligibility Restrictions: Primarily available to older drivers and AARP members, limiting access to cheap Mercedes-Benz A-Class car insurance.
#6 – Amica Mutual: Best for Policy Customization
Pros
- Competitive Rates: Amica car insurance discounts showcase personalized coverage options, offering flexibility and customization to match individual preferences and circumstances for cheap Mercedes-Benz A-Class car insurance.
- Excellent Claims Handling: Known for efficient and fair claims processing, ensuring satisfaction with cheap Mercedes-Benz A-Class car insurance.
- Mutual Company Benefits: Policyholders may receive dividends, adding financial value to cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Premiums: Generally more expensive than some competitors, affecting affordability for cheap Mercedes-Benz A-Class car insurance.
- Limited Physical Locations: Fewer local offices compared to other insurers, which can be less convenient for those seeking cheap Mercedes-Benz A-Class car insurance.
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#7 – Allstate: Best for Safe Drivers
Pros
- Wide Range of Coverage: Provides extensive coverage options, ensuring comprehensive protection for cheap Mercedes-Benz A-Class car insurance.
- Strong Financial Stability: Well-established company with strong financial ratings, ensuring reliability for those seeking cheap Mercedes-Benz A-Class car insurance.
- Safe Driver Discounts: Allstate insurance review and ratings demonstrate demonstrate strong support for safe drivers with substantial discounts, ensuring peace of mind on the road for cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Base Rates: Base premiums can be higher before discounts, affecting initial affordability for cheap Mercedes-Benz A-Class car insurance.
- Mixed Customer Service: Variable customer service experiences, which can impact satisfaction with cheap Mercedes-Benz A-Class car insurance.
#8 – Farmers: Best for Coverage Options
Pros
- Customizable Policies: Allows for extensive policy customization, meeting unique requirements for cheap Mercedes-Benz A-Class car insurance.
- Diverse Coverage Options: Farmers insurance review and ratings present extensive coverage options, catering to diverse insurance needs with flexibility and reliability for cheap Mercedes-Benz A-Class car insurance.
- Strong Customer Support: Well-regarded for responsive and helpful service, ensuring satisfaction with cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Premiums: Generally more expensive than some competitors, impacting cost-effectiveness for cheap Mercedes-Benz A-Class car insurance.
- Complex Discounts: Discount structure can be complicated, making it hard to maximize savings for cheap Mercedes-Benz A-Class car insurance.
#9 – Liberty Mutual: Best for Bundling Policies
Pros
- Wide Coverage Options: Extensive range of policies to meet various needs, ensuring comprehensive protection for cheap Mercedes-Benz A-Class car insurance.
- Strong Financial Stability: Well-established company with strong financial ratings, ensuring reliability for those seeking cheap Mercedes-Benz A-Class car insurance.
- Bundling Discounts: Liberty Mutual insurance review and ratings emphasize bundling discounts, offering significant savings for customers who combine multiple policies under one roof for cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Base Rates: Base premiums can be higher before discounts, affecting initial affordability for cheap Mercedes-Benz A-Class car insurance.
- Mixed Customer Service: Inconsistent customer service experiences, which can impact satisfaction with cheap Mercedes-Benz A-Class car insurance.
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#10 – Progressive: Best for Online Tools and Resources
Pros
- User-Friendly Online Tools: Progressive insurance review and ratings digital innovation with user-friendly online tools, claims processing, and resource access for cheap Mercedes-Benz A-Class car insurance.
- Snapshot Program: Offers potential discounts through the Snapshot program, rewarding safe driving for those seeking cheap Mercedes-Benz A-Class car insurance.
- Wide Range of Coverage: Provides extensive coverage options, ensuring comprehensive protection for cheap Mercedes-Benz A-Class car insurance.
Cons
- Higher Premiums: Generally more expensive than some competitors, impacting cost-effectiveness for cheap Mercedes-Benz A-Class car insurance.
- Variable Customer Service: Inconsistent customer service experiences, which can affect satisfaction with cheap Mercedes-Benz A-Class car insurance.
Factors That Influence Cheap Mercedes-Benz A-Class Car Insurance Costs
The cost of insuring a cheap Mercedes-Benz A-Class is influenced by key factors like age, driving experience, and location; younger or less experienced drivers often face higher premiums, while areas with higher population density or crime rates also tend to have higher insurance costs.
Your insurance history, including past claims and violations, impacts premiums, as does your credit history, with better scores often leading to lower rates for cheap Mercedes-Benz A-Class car insurance.
Mercedes-Benz A-Class Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
AAA $189 $465
Allstate $260 $638
American Family $207 $509
Amica Mutual $238 $735
Farmers $317 $773
Liberty Mutual $325 $785
Progressive $327 $814
Safeco $146 $360
The Hartford $235 $577
USAA $102 $249
Pricier A-Class models generally mean higher premiums. To gain profound insights, consult our extensive guide titled “How does the insurance company determine my premium?”
Comparing Insurance Rates Across Different Models of the Cheap Mercedes-Benz A-Class
Insurance premiums for various models of the cheap Mercedes-Benz A-Class are heavily influenced by factors like engine size, performance capabilities, and overall vehicle value. These factors are critical in selecting the right coverage.
- Engine Size: Engine size directly affects insurance premiums, with larger engines often leading to higher costs due to increased risk.
- Performance Capabilities: Higher-performance A-Class models incur higher premiums because they pose greater risks on the road.
- Overall Vehicle Value: The value of your A-Class impacts insurance rates, with luxury models requiring more expensive coverage to mitigate potential financial risks.
Engine size, performance, and vehicle value impact the cheap Mercedes-Benz A-Class car insurance premiums. Comparing quotes helps find cost-effective coverage.
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Safety features and a clean driving record can further reduce costs, including safety features car insurance discount. A well-informed choice ensures your cheap Mercedes-Benz A-Class is well-protected.
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Tips for Finding Affordable Car Insurance Cheap Mercedes-Benz A-Class
Finding cheap Mercedes-Benz A-Class car insurance involves strategic approaches like leveraging discounts, comparing car insurance quotes, and bundling policies for the best deal.
- Shop Around and Compare Quotes: Obtain quotes from several insurance providers to compare rates and coverage options for your cheap Mercedes-Benz A-Class car insurance. This allows you to find the most competitive premium.
- Consider Increasing Deductibles: Increasing deductibles can lower your insurance premiums, but make sure you can afford the higher out-of-pocket costs if you need to file a claim.
- Maintain a Clean Driving Record: A clean driving record reflects responsible behavior and reduces the risk profile, potentially leading to lower insurance premiums over time.
- Bundle Your Insurance Policies: Bundling your cheap Mercedes-Benz A-Class car insurance with other policies like homeowners or renters insurance often qualifies you for discounts from the same insurer.
- Inquire About Discounts: Ask about discounts for safe driving habits, loyalty to a specific insurer, and safety features installed on your cheap Mercedes-Benz A-Class. These discounts can significantly reduce your insurance costs.
Implementing these tips—such as shopping around for quotes, maintaining a clean driving record, and exploring policy bundling—can help manage cheap Mercedes-Benz A-Class car insurance effectively.
These steps save money and ensure sufficient road protection. Staying proactive with insurance choices balances cost-efficiency and comprehensive coverage for your vehicle.
Exploring Different Coverage Options for Your Cheap Mercedes-Benz A-Class Car Insurance
Choosing the right coverage options for your cheap Mercedes-Benz A-Class car insurance involves understanding various types of insurance. Liability coverage is essential for financial protection if you’re at fault in an accident causing injuries or property damage to others.
Collision coverage pays for repairs to your A-Class in the event of a collision with another vehicle or object. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or damage from natural disasters.
Uninsured/underinsured motorist coverage provides financial protection if the other driver is inadequately insured. Personal injury protection (PIP) covers medical expenses and lost wages for you and your passengers.
Gap insurance covers your vehicle’s value versus your loan or lease if it’s totaled. To delve deeper, refer to our in-depth report titled “Is Gap Insurance transferable from one vehicle to another?”
The Importance of Comprehensive Insurance for Luxury Cars
Comprehensive insurance plays a pivotal role in safeguarding luxury vehicles such as the cheap Mercedes-Benz A-Class, primarily due to their elevated repair costs and increased susceptibility to theft or vandalism. It provides essential financial protection.
This type of coverage offers financial protection for your cheap Mercedes-Benz A-Class car insurance against substantial expenses arising from non-collision incidents, providing peace of mind in diverse unfortunate circumstances.
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Comprehensive insurance, along with full coverage car insurance, is crucial for cheap Mercedes-Benz A-Class car insurance, offering protection from financial burdens caused by unforeseen events.
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Steps to Take After an Accident and Dealing with Insurance Claims
In the event of an accident involving your cheap Mercedes-Benz A-Class, knowing the right steps to take can ensure your safety and expedite the insurance claims process for cheap Mercedes-Benz A-Class car insurance.
- Prioritize Safety: Ensure everyone’s safety by moving to a safe location and calling emergency services if needed.
- Document the Scene: Take photos of the accident scene, including vehicle damage and any injuries, and collect witness contact information.
- Contact Your Insurance Provider: Report the accident promptly to your insurance company and follow their guidance for filing a claim.
- Seek Medical Attention: Even for minor injuries, seek medical evaluation to document them properly for insurance purposes.
- Cooperate with the Claims Process: Provide all necessary documents like police reports and medical records to expedite your claim and ensure a smooth resolution. For additional details, explore our comprehensive resource titled “Your Insurance Agent’s Role in the Claims Process.”
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Frequently Asked Questions
How can I reduce my premium for cheap Mercedes-Benz A-Class car insurance?
To reduce your premium for cheap Mercedes-Benz A-Class car insurance, consider increasing your deductible, bundling with other policies, maintaining a good driving record, and asking about available discounts such as safe driver or multi-policy discounts.
Where can I find affordable insurance for a Mercedes-Benz A-Class?
Affordable insurance for a Mercedes-Benz A-Class can be found by comparing quotes from various insurers and checking with companies known for competitive rates, such as USAA, Safeco, and AAA.
See how much you’ll pay for car insurance by entering your ZIP code below into our free comparison tool.
What is the best way to find cheap Mercedes-Benz A-Class car insurance?
To find cheap Mercedes-Benz A-Class car insurance, compare quotes from multiple insurance companies, such as USAA, Safeco, and AAA. Consider factors like coverage options, discounts, and insurance groups to find the most affordable rate.
To learn more, explore our comprehensive resource on commercial auto insurance titled “Types of Car Insurance Coverage.”
When should I start shopping for cheap Mercedes-Benz A-Class car insurance?
It’s best to start shopping for cheap Mercedes-Benz A-Class car insurance before purchasing the vehicle or at least a few weeks before your current policy expires. This allows you time to compare rates and secure the best deal.
What are some tips for getting the best rates on Mercedes-Benz A-Class car insurance?
To get the best rates on Mercedes-Benz A-Class car insurance, maintain a clean driving record, explore all available discounts, compare multiple insurance providers, and consider higher deductibles.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.
Where can I get a quote for cheap Mercedes-Benz A-Class car insurance?
You can obtain quotes for cheap Mercedes-Benz A-Class car insurance online through various insurance company websites, comparison tools, or by contacting insurance agents directly.
To gain further insights, consult our comprehensive guide titled “How much is car insurance?”
What factors influence the cost of cheap Mercedes-Benz A-Class car insurance?
Factors influencing the cost of cheap Mercedes-Benz A-Class car insurance include your driving history, location, age, the model of your A-Class, insurance coverage limits, and the deductible amount.
When is the best time to switch to a new insurance policy for a Mercedes-Benz A-Class?
The best time to switch to a new insurance policy for a Mercedes-Benz A-Class is when your current policy is nearing its renewal date. Switching before renewal can help you avoid potential rate hikes and find better rates.
How does the model of my Mercedes-Benz A-Class affect insurance costs?
The specific model of your Mercedes-Benz A-Class can affect insurance costs due to differences in value, safety features, and repair costs. Lower-end models typically cost less to insure compared to higher-end versions.
To gain further insights, consult our comprehensive guide titled “Best Safe Driver Car Insurance Discounts.”
How do I determine the insurance group for my Mercedes-Benz A-Class?
The insurance group for your Mercedes-Benz A-Class can be determined by checking with insurance companies or using online insurance group calculators. The group rating affects the overall cost of insurance.
Enter your ZIP code below into our free comparison tool to see how much car insurance costs in your area.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
