Lower Your 2013 Mercedes-Benz SLS AMG GT Insurance Quotes

Trying to find cheaper auto insurance rates for your Mercedes-Benz SLS AMG GT? Comparing auto insurance quotes online could seem overwhelming if you are like most people and have never completed online quotes. But relax because comparing prices is actually very simple.

The purpose of this post is to teach you how to get online quotes and some money-saving tips. If you have car insurance now, you should be able to cut costs considerably using these techniques. But car owners must comprehend the way insurance companies market insurance on the web and take advantage of how the system works.

Compare insurance rates

There are several ways to shop for insurance, and some are more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize the web to quickly compare rates.

Many popular insurance companies take part in a program that allows shoppers to submit their information once, and at least one company provides a quote based on that data. This saves time by eliminating quote forms to every company.

To participate in this free quote system, click to open in new window.

The only drawback to using this type of form is buyers cannot specifically choose which carriers you want pricing from. So if you want to choose specific insurance companies to compare prices, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, ensure you are comparing nearly identical information for each comparison quote. If you are comparing different deductibles you will not be able to determine the lowest rate for your Mercedes-Benz SLS AMG GT. Slightly different limits could skew the results. Just remember that comparing more company’s prices provides better odds of finding a lower rate. Not every company provides online quotes, so it’s important to also get quotes from the smaller companies as well.

Get lower-cost rates with these discounts

Companies that sell car insurance don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the next list breaks down some of the best known as well as the least known discounts that you can inquire about if you buy auto insurance online. If you’re not getting every credit available, you could be saving more on your auto insurance.

  • Discount for Good Grades – Performing well in school may save you up to 25%. Most companies allow this discount until age 25.
  • Accident Free – Drivers who stay claim-free get the best auto insurance rates compared to bad drivers.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Auto/Life Discount – Larger auto insurance companies have better prices if you take out life insurance.
  • Seat Belt Usage – Drivers who require all occupants to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
  • Home Ownership Discount – Owning a home can save you money because maintaining a house requires personal responsibility.
  • Early Renewal Discounts – A few larger companies offer discounts for buying a new policy before your current policy expires. This discount can save up to 10%.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most cut specific coverage prices like comp or med pay. Even though the math looks like adding up those discounts means a free policy, that’s just not realistic.

For a list of auto insurance companies with the best auto insurance discounts, click here.

Auto insurance can be complex

When buying proper insurance coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different.

For instance, these questions could help you determine whether your personal situation might need an agent’s assistance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Why am I required to get a high-risk car insurance policy?
  • Is a fancy paint job covered?
  • What is roadside assistance coverage?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Am I covered when delivering products for my home-based business?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Good decisions result in lower insurance rates

Many different elements are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but other factors are less obvious such as your marital status and annual miles driven.Part of the car insurance buying process is learning some of the factors that aid in calculating your car insurance rates. If you have a feel for what controls the rates you pay, this allows you to make good choices that will entitle you to lower car insurance prices.

The items below are some of the major factors car insurance companies consider when setting prices.

  • Improve your credit rating and save – Credit score can be a huge factor in determining what you pay. Therefore, if your credit score is not that good, you could pay less to insure your 2013 Mercedes-Benz SLS AMG GT by improving your credit score. Drivers with high credit ratings tend to be better drivers and file fewer claims than drivers who have lower credit scores.
  • Higher rates for coverage lapses – Not having insurance is against the law and any future policy may cost more because you let your insurance lapse. In addition to paying higher premiums, being ticketed for driving with no insurance could earn you a license revocation or jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Consolidating policies can get discounts – Most car insurance companies apply lower prices for people that have more than one policy, otherwise known as a multi-policy discount. Discounts can add up to ten percent or more. Even if you’re getting this discount it’s always a smart idea to compare rates to verify if the discount is saving money. You may still be able to save even more by buying from different companies
  • Policy add-ons may be wasting money – Insurance policies have a lot of extra coverages that sound like a good idea at the time if you aren’t diligent. Coverage for things like rental car coverage, towing, and additional equipment coverage are examples of these. The coverages may be enticing when talking to your agent, but if they’re wasting money think about removing them and cutting costs.
  • Raise comp and collision deductibles and save – Physical damage insurance, also called ‘full coverage’, is used to repair damage to your Mercedes-Benz. Some examples of covered claims would be collision with another vehicle, collision with an animal, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles define the amount you are willing to pay out-of-pocket if you file a covered claim. The more you choose to pay out-of-pocket, the less your company will charge you for insurance on SLS AMG GT coverage.
  • Liability coverage safeguards assets – Liability insurance provides coverage in the event that you are found liable for damages from an accident. Your liability coverage provides for a legal defense starting from day one. Liability is cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
  • Better prices on safer vehicles – Cars with five star safety ratings get lower rates. Safe vehicles have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Tickets inflate rates – Whether or not you get tickets has a big impact on rates. Even a single speeding ticket may cause rates to rise by as much as twenty percent. Attentive drivers get better rates as compared to those with violations. Drivers with license-revoking tickets such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to prevent a license revocation.

Do insurance coverage companies bend the truth?

State Farm, Geico and Progressive regularly use ads on television and other media. All the companies make the same claim about how much you will save just by moving to their company. But how can every company charge you less for car insurance? Just pay attention to how they say it.

Many companies have strict underwriting profiles for the type of insured that earns them the most money. For instance, a driver they prefer may need to be between 30 and 50, insures multiple vehicles, and has great credit. A propective insured that meets those criteria will qualify for the lowest car insurance rates and is almost guaranteed to save a lot of money.

Potential insureds who don’t measure up to these criteria will have to pay a more expensive rate which leads to the prospect going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that kind of money. This is how insurance companies can make those statements.

Because every company is different, you absolutely need to do a quote comparison often. It’s impossible to know the company that will have the lowest prices for your situation.

Car insurance specifics

Understanding the coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for bills for pain medications, doctor visits, rehabilitation expenses, nursing services and dental work. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Auto collision coverage

Collision insurance pays for damage to your SLS AMG GT from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as backing into a parked car, colliding with another moving vehicle, hitting a mailbox, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

Comprehensive car insurance

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, theft and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Auto liability insurance

This provides protection from damages or injuries you inflict on a person or their property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like pain and suffering, funeral expenses, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Mercedes-Benz SLS AMG GT.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Make a quick buck

Insureds who switch companies do it for many reasons like being labeled a high risk driver, policy non-renewal, high rates after DUI convictions and poor customer service. Regardless of your reason, choosing a new company can be easier than you think.

Budget-conscious 2013 Mercedes-Benz SLS AMG GT insurance is possible on the web as well as from insurance agents, so you need to shop auto insurance with both to have the best chance of lowering rates. Some car insurance companies may not offer rate quotes online and these smaller providers prefer to sell through local independent agencies.

Throughout this article, we presented a lot of ways to shop for 2013 Mercedes-Benz SLS AMG GT insurance online. The key thing to remember is the more times you quote, the better likelihood of getting inexpensive auto insurance. You may be surprised to find that the best price on car insurance is with some of the lesser-known companies.

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