Compare 2015 Mercedes-Benz SLS AMG GT Final Edition Insurance Cost

Finding cheaper insurance for your Mercedes-Benz SLS AMG GT Final Edition can normally be difficult, but you can use the following methods to save time. There is a better way to find auto insurance online and we’ll show you the absolute fastest way to quote coverages on a Mercedes-Benz and find the best price possible from local insurance agents and online providers.

Cheaper insurance quotes with discounts

The price of auto insurance can be rather high, but there are discounts available that many consumers don’t even know exist. Some of these disounts will be visible at the time of quoting, but a few need to be specially asked for prior to receiving the credit. If you are not receiving all the discounts you qualify for, you’re paying more than you need to.

  • Discount for Home Ownership – Owning a house can earn you a little savings because maintaining a house shows financial diligence.
  • Save with a New Car – Buying a new car model can be considerably cheaper since new model year vehicles are generally safer.
  • Drivers Education – Have your child sucessfully take a drivers education course in school or through a local driver safety program.
  • Claim Free – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Military Deployment Discount – Being deployed in the military could mean lower insurance rates.
  • Theft Prevention System – Vehicles optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Discount for Low Mileage – Driving less could qualify for lower premium rates due to less chance of an accident.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Accident Forgiveness Coverage – Not a discount per se, but certain companies will let one accident slide before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Anti-lock Brakes – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.

One last thing about discounts, many deductions do not apply to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, you won’t be that lucky.

Larger insurance companies and some of the discounts are:

  • Geico may have discounts that include driver training, five-year accident-free, anti-lock brakes, multi-policy, air bags, and federal employee.
  • SAFECO has savings for accident prevention training, safe driver, drive less, teen safety rewards, and anti-lock brakes.
  • State Farm may include discounts for passive restraint, good student, anti-theft, Drive Safe & Save, multiple policy, and student away at school.
  • MetLife has discounts for claim-free, defensive driver, accident-free, good student, multi-policy, good driver
  • 21st Century offers discounts for theft prevention, defensive driver, teen driver, student driver, and good student.
  • Progressive policyholders can earn discounts including good student, multi-policy, online signing, multi-vehicle, and continuous coverage.

When getting free insurance quotes, it’s a good idea to every prospective company which credits you are entitled to. All car insurance discounts may not apply in your area. For a list of providers that offer discounts, click this link.

Cheapest insurance quotes

Cutting your insurance rates is pretty simple and can save money. Consumers just need to spend a few minutes to get quotes online with multiple companies. Price comparisons can be done in just a few minutes using one of these methods.

  • One of the best ways consumers can make multiple comparisons is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do boring form submissions for each price estimate. Taking the time to complete one form will get you price quotes from several companies. This is by far the quickest method.
  • A more time consuming way to find better pricing consists of visiting each company’s website and fill out a new quote form. For example, we’ll pretend you want to compare prices for Auto-Owners, Liberty Mutual and Allstate. You would have to spend time going to each site individually and punch in your information repeatedly, which is why the first method is more popular.

    For a list of companies in your area, click here.

  • The most time-consuming way to comparison shop rate quotes is making phone calls or going to local insurance agencies. The fact that you can get quotes online makes this process obsolete unless you have a need for the trained guidance of a licensed agent. Although, it is possible get the lowest quotes online but still have the advice of a local agent.

You can use whichever method you prefer to find lower rates, just make sure you are using apples-to-apples deductibles and coverage limits with every price quote. If you have different values for each quote it will be nearly impossible to decipher which rate is best.

Five factors that affect insurance premiums

Many things are considered when you get a price on insurance. Some of the criteria are obvious such as your driving record, but others are less obvious such as whether you are married or your financial responsibility.

  • Gals pay lower prices – Statistics show females are less aggressive when driving. It does not mean men are worse drivers. Both genders are responsible for at-fault accidents in similar numbers, but males have accidents that have higher claims. Not only that, but men also get cited for more serious violations like DUI and reckless driving. Male drivers age 16 to 19 have the highest risk to insure and are penalized with high insurance coverage rates.
  • Being married reduces risk – Your spouse may earn you lower rates when buying insurance coverage. Having a spouse is viewed as being more stable financially and insurance companies like that married couples file fewer claims.
  • High credit scores save money – Having a bad credit score is a large factor in calculating your insurance coverage rates. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers who have lower credit scores. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your 2015 Mercedes-Benz SLS AMG GT Final Edition if you clean up your credit.
  • Cars with good safety ratings are cheaper to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles help reduce the chance of injuries in an accident and fewer serious injuries means less claims paid and more competitive rates for policyholders.
  • Liability is important – Liability insurance will protect you if you are determined to be liable for personal injury or accident damage. It provides legal defense to attempt to prove you were not liable. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.

Tailor your insurance coverage coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Every situation is different.

For example, these questions could help you determine if you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Is upholstery damage covered by car insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I pay less if my vehicle is kept in my garage?
  • How can I get my company to pay me more for my totalled car?
  • Am I missing any policy discounts?
  • Is extra glass coverage worth it?
  • Am I covered by my spouse’s policy after a separation?
  • Do I have coverage when pulling a U-Haul trailer?

If you’re not sure about those questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, complete this form. It’s fast, free and you can get the answers you need.

Insurance specifics

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Mercedes-Benz SLS AMG GT Final Edition.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision insurance

This will pay to fix damage to your SLS AMG GT Final Edition resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like driving through your garage door, sustaining damage from a pot hole, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as hitting a bird, damage from getting keyed, a broken windshield and hitting a deer. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance can cover damage or injury you incur to people or other property by causing an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things such as medical services, bail bonds, attorney fees, loss of income and structural damage. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for immediate expenses for things like nursing services, doctor visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Pennies from heaven

Drivers who switch companies do it for any number of reasons including denial of a claim, delays in responding to claim requests, being labeled a high risk driver and an unsatisfactory settlement offer. Regardless of your reason for switching companies, switching auto insurance companies can be easier than you think.

Budget-friendly auto insurance can be found from both online companies and also from your neighborhood agents, so you should compare both so you have a total pricing picture. Some auto insurance companies may not have online quoting and many times these small, regional companies only sell through independent insurance agencies.

While you’re price shopping online, you should never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice full coverage only to find out that it was a big mistake. Your objective should be to purchase a proper amount of coverage for the lowest price and still be able to protect your assets.

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