2014 Mercedes-Benz SLS AMG GT Car Insurance Rates – 5 Ideas for Best Quotes

Trying to find lower insurance coverage rates for your Mercedes-Benz SLS AMG GT? Feel like you have overpriced insurance coverage? Don’t sweat it because there are a lot of people just like you who feel imprisoned by their insurance coverage policy. Big companies like Allstate and Progressive constantly blast consumers with catchy ads and it is difficult to avoid their marketing magic and do the work needed to find the best deal.

How to get affordable auto insurance

Most of the larger companies such as State Farm, Allstate and GEICO allow you to get prices online. Comparing prices online is pretty easy as you simply type in your coverage preferences into the quote form. When the form is submitted, their quoting system sends out for credit information and your driving record and generates a price based on the information you submitted. Being able to quote online makes it easy to compare insurance prices but the work required to visit multiple sites and fill out multiple forms is a big time waster. Unfortunately, it is important to compare as many rates as possible if you want to find the lowest price.

An easier way to find lower prices uses just one form that gets price quotes from several companies at one time. It’s a real time-saver, reduces the work, and makes online quotes much easier to do. Immediately after you send the form, your coverage is rated and you can select your choice of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. This process only takes a few minutes and can result in significant savings.

In order to find out if lower rates are available, click here and begin entering your coverage information. To compare your current rates, we recommend that you enter your coverages exactly as shown on your declarations page. This guarantees you will receive a price comparison for similar insurance coverage.

Lower your insurance rates with these five discounts

Car insurance can cost a lot, but you may find discounts that can help lower your rates. Some trigger automatically at the time of quoting, but less common discounts must be manually applied prior to getting the savings. If they aren’t giving you every credit possible, it’s possible you qualify for a lower rate.

• Discount for Swiching Early – A few larger companies offer discounts for signing up prior to your current policy expiring. You could save around 10% when you buy auto insurance online.
• Pay Early and Save – By making one initial payment as opposed to paying monthly you may reduce your total bill.
• Senior Citizen Rates – If you qualify as a senior citizen, you can possibly qualify for lower premium rates on SLS AMG GT coverage.
• No Claims – Drivers with accident-free driving histories are rewarded with significantly better rates on auto insurance quote in comparison to drivers who are more careless.
• No Charge for an Accident – Not a discount per se, but companies like Allstate and GEICO will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.

Don’t be surprised that most discount credits are not given to your bottom line cost. A few only apply to the price of certain insurance coverages like collision or personal injury protection. So even though they make it sound like having all the discounts means you get insurance for free, it just doesn’t work that way.

Large insurance companies and the discounts they provide include:

• State Farm has discounts for good student, passive restraint, accident-free, safe vehicle, driver’s education, and student away at school.
• Farmers Insurance includes discounts for early shopping, pay in full, distant student, homeowner, mature driver, multi-car, and alternative fuel.
• Progressive has savings for good student, online quote discount, continuous coverage, multi-vehicle, homeowner, and online signing.
• GEICO may have discounts that include multi-vehicle, anti-lock brakes, daytime running lights, five-year accident-free, and emergency military deployment.
• Auto-Owners Insurance may offer discounts for good student, mature driver, air bags, teen driver, and safe vehicle.
• The Hartford offers premium reductions for driver training, vehicle fuel type, bundle, anti-theft, air bag, defensive driver, and good student.
• Farm Bureau discounts include safe driver, multi-policy, driver training, youthful driver, 55 and retired, good student, and multi-vehicle.
• USAA offers discounts including driver training, military installation, annual mileage, good student, vehicle storage, and family discount.

When comparing rates, check with each company to give you their best rates. Some discounts listed above might not be offered on policies in your area.

You are unique and your car insurance should be too

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no one size fits all plan. Everyone’s needs are different and your policy should reflect that. For example, these questions could help you determine if you will benefit from professional help.

• Do I get a pro-rated refund if I cancel my policy early?
• How do I file an SR-22 for a DUI in my state?
• When does my teenage driver need to be added to my policy?
• Is my trailer covered?
• Do I really need UM/UIM coverage?
• How can I force my company to pay a claim?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Parts of your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average car insurance policy.

Collision insurance

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as crashing into a building, sideswiping another vehicle, colliding with a tree, colliding with another moving vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, pain medications and ambulance fees. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like theft, vandalism, rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Mercedes-Benz SLS AMG GT.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability

Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage pays for claims such as structural damage, attorney fees and medical services. How much liability should you purchase? That is up to you, but you should buy as much as you can afford.