2014 Mercedes-Benz SLS AMG GT Insurance Quotes – 5 Savings Tips

Want better auto insurance rates for your Mercedes-Benz SLS AMG GT? High-priced Mercedes-Benz SLS AMG GT insurance can consume your accounts and require stricter spending habits. Comparing rates annually can be a smart way to lower your bills every month.

There are many car insurance companies to buy insurance from, and although it’s a good thing to have a choice, too many choices makes it more difficult to find the lowest rates.

You need to check auto insurance prices quite often because insurance prices fluctuate regularly. If you had the lowest rate on SLS AMG GT insurance a few years ago there is a good chance you can find better premium rates now. Forget all the misinformation about auto insurance because we’re going to show you how to use online quotes to find better rates and still maintain coverage.

Discount insurance coverage rates

Some providers don’t list every discount very well, so we took the time to find both well-publicized as well as some of the hidden credits that may apply to you.

• Discounts for New Vehicles – Putting insurance coverage on a new car can save you some money because newer models have to meet stringent safety requirements.
• Discount for Good Grades – Maintaining excellent grades could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
• Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on SLS AMG GT insurance than their less cautious counterparts.
• Seat Belt Discounts – Drivers who require all occupants to buckle up before driving can save up to 15% on the premium charged for medical payments and/or PIP.
• Homeowners Pay Less – Simply owning a home can get you a discount because of the fact that having a home demonstrates responsibility.

Policy discounts save money, but some credits don’t apply to all coverage premiums. Some only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like having all the discounts means you get insurance for free, that’s just not realistic. But any discount will positively reduce the amount you pay for coverage.

A list of companies and their possible discounts can be read below.

• State Farm offers discounts including defensive driving training, driver’s education, Drive Safe & Save, student away at school, and accident-free.
• Progressive has savings for online signing, good student, continuous coverage, multi-vehicle, and multi-policy.
• Progressive includes discounts for online signing, multi-vehicle, homeowner, continuous coverage, online quote discount, and multi-policy.
• MetLife policyholders can earn discounts including good student, good driver, accident-free, multi-policy, and claim-free.
• Farm Bureau discounts include driver training, 55 and retired, youthful driver, multi-policy, safe driver, and multi-vehicle.
• Geico offers premium reductions for daytime running lights, multi-policy, seat belt use, air bags, and emergency military deployment.
• SAFECO may include discounts for multi-car, accident prevention training, teen safety rewards, teen safe driver, and drive less.

Before purchasing a policy, check with every prospective company which discounts can lower your rates. Savings may not apply to policies in your state. To view insurance coverage companies who offer insurance coverage discounts, click here to view.

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Ways to get insurance rate quotes

To find more affordable prices, there are a couple of ways to compare rate quotes from local insurance companies. The easiest way by far to lower the rate you pay for 2014 Mercedes-Benz SLS AMG GT insurance consists of shopping online. It is quite easy and can be accomplished using a couple different methods.

1. One of the simplest ways to find low rates is to use a rate comparison form like this one (opens in new window). This quick form prevents you from having to do boring form submissions for every company. A single form will get you rate comparisons from multiple low-cost companies.
2. A more time consuming way to shop for insurance online requires a trip to each company’s website to complete their respective quote request forms. For examples sake, let’s assume you need rates from Geico, Allstate and State Farm. You would have to go to each individual site and type in your information over and over, which is why first method is reommended.

   For a handy list of car insurance company links in your area, click here.

3. The old school method to get rate quotes is calling or driving to all the different insurance agencies. The fact that you can get quotes online has reduced the need for local agents unless you have a complicated situation and need the professional advice of a licensed agent. Some companies do allow you to compare online quotes and have a local agent actually service the policy.

Which method you use is up to you, but compare equivalent coverage limits and deductibles with every price quote. If the quotes have different coverage information it will be impossible to determine the lowest rate for your Mercedes-Benz SLS AMG GT. Having just a slight variation in limits may cause a big price difference. And when price shopping your coverage, comparing more quotes increases the change that you will find more affordable insurance. Some companies don’t provide online quotes, so it’s important to compare price estimates from them as well.

Tailor your auto insurance coverage to you

When choosing the right insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique so this has to be addressed. These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

• Do I need added coverage for expensive stereo equipment?
• Does my medical payments coverage pay my health insurance deductible?
• Does my policy cover my teen driver if they drive my company car?
• Will I be non-renewed for getting a DUI or other conviction?
• What are the best liability limits?
• Am I covered when driving in Canada or Mexico?
• Do I need PIP coverage since I have good health insurance?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Specific coverage details

Having a good grasp of insurance helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for dental work, ambulance fees, X-ray expenses and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

This coverage protects you from injuries or damage you cause to other people or property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as funeral expenses, attorney fees, loss of income, repair bills for other people’s vehicles and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as hitting a bird, falling objects, hail damage and vandalism. The maximum amount 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 dropping full coverage.

Collision protection

This will pay to fix damage to your SLS AMG GT resulting from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, hitting a mailbox, rolling your car, scraping a guard rail and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Mercedes-Benz SLS AMG GT.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

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Final thoughts

Lower-priced 2014 Mercedes-Benz SLS AMG GT insurance can be purchased on the web and with local insurance agents, so you need to quote insurance with both to have the best selection. Some insurance providers may not provide online quoting and these regional carriers provide coverage only through independent insurance agents.

When you buy insurance online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are many occasions where consumers will sacrifice collision coverage and found out when filing a claim that they should have had better coverage. The ultimate goal is to buy a smart amount of coverage at an affordable rate, but do not sacrifice coverage to save money.

For more information, take a look at the resources below:

• Eight Auto Insurance Myths (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Anti-Lock Brake FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)

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