Cheaper 2013 Mercedes-Benz SLS AMG GT Car Insurance Quotes

Searching for the cheapest insurance coverage rates for your Mercedes-Benz SLS AMG GT? Are you tired of paying out the nose to buy insurance coverage? Your situation is no different than the majority of other vehicle owners. You have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a choice, too many choices makes it more difficult to adequately compare rates.

It’s important to do price comparisons periodically because insurance coverage prices trend upward over time. If you had the lowest rates on SLS AMG GT insurance at your last renewal the chances are good that you can find a lower premium rate today. Ignore everything you know about insurance coverage because you’re going to get a crash course in the best methods to reduce your cost while increasing coverage.

Buy insurance online

Most companies allow you to get coverage price quotes from their websites. Obtaining pricing is quite simple as all you need to do is type in the coverage amounts you desire as detailed in the form. Once entered, their quoting system sends out for reports for credit and driving violations and returns pricing information based on these and other factors. Being able to quote online makes comparing rates easy, but the work required to visit many different websites and type in the same data can get tiresome after awhile. But it’s very important to compare as many rates as possible if you want to find better prices.

A better way to get multiple rate quotes is to use a quote form that gets prices from several companies at one time. It saves time, requires much less work on your part, and makes online price comparison much more enjoyable. Once the form is submitted, your coverage is rated with multiple companies and you can pick any one of the resulting price quotes. If a lower price is quoted, you simply finish the application and buy the policy. The entire process just takes a couple of minutes and can result in significant savings.

To quickly get comparison pricing now, click here and fill out the form. If you currently have coverage, we recommend you duplicate the coverages exactly as they are listed on your policy. This helps ensure you will receive comparison quotes based on identical coverages.

Are you earning every discount?

Some insurance providers don’t list every possible discount very well, so the following is a list of a few of the more well known and also the lesser-known discounts that you may qualify for.

  • Early Renewal Discounts – Some companies provide a discount for renewing your policy prior to your current policy expiring. It could save around 10% when you buy auto insurance online.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the medical payments premium.
  • Discounts for Responsible Drivers – Safe drivers can save as much as half off their rates on SLS AMG GT insurance as compared to drivers with claims.
  • Active Military Service – Being on active duty in the military could qualify you for better premium rates.
  • Driver Safety – Completing a defensive driver course could earn you a small percentage discount depending on where you live.
  • Save over 55 – If you’re over the age of 55, you may be able to get a discount up to 10% on SLS AMG GT insurance.

A quick disclaimer, most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like it’s possible to get free car insurance, companies don’t profit that way.

Larger insurance companies and a selection of discounts are shown below.

  • State Farm offers discounts including good driver, passive restraint, good student, multiple autos, and driver’s education.
  • Geico offers discounts for emergency military deployment, anti-theft, driver training, anti-lock brakes, and seat belt use.
  • SAFECO discounts include teen safe driver, accident prevention training, homeowner, multi-car, teen safety rewards, and anti-theft.
  • Farmers Insurance has savings for switch companies, electronic funds transfer, early shopping, teen driver, bundle discounts, and homeowner.
  • AAA may have discounts that include pay-in-full, good driver, good student, anti-theft, and education and occupation.
  • USAA policyholders can earn discounts including loyalty savings, safe driver, driver training, annual mileage, defensive driver, new vehicle, and multi-policy.

It’s a good idea to ask each company the best way to save money. All car insurance discounts might not be offered in your state.

How insurance providers calculate Mercedes-Benz SLS AMG GT insurance rates

Smart consumers have a good feel for some of the elements that help calculate the rates you pay for auto insurance. If you have a feel for what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you much lower annual insurance costs. Lots of things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable like an MVR report, but some are not as apparent such as whether you are married or your financial responsibility.

  • File a claims and pay more – If you are a frequent claim filer, you shouldn’t be surprised to get much higher rates or policy non-renewal. Companies give the lowest premiums to drivers who do not rely on their insurance for small claims. Your insurance policy is intended to be relied upon for the large, substantial claims.
  • Liability protection – The liability section of your policy will protect you if ever a court rules you are at fault for an accident. This coverage provides legal defense coverage which can cost a lot. Liability insurance is quite affordable as compared to coverage for physical damage, so drivers should buy more than the minimum limits required by law.
  • Physical damage deductibles – Comp and collision deductibles define how much you are required to pay before a claim is paid by your company. Physical damage coverage, also called comprehensive and collision insurance, protects your car from damage. Examples of covered claims would be a windshield broken by a bird, damage caused by hail, and damage from wind. The more damage repair cost you have to pay, the less your auto insurance will be on SLS AMG GT insurance.
  • Gender and insurance coverage costs – Over the last 30 years, statistics show that women are safer drivers than men. It does not mean females are better drivers. Both sexes are responsible for fender benders at a similar rate, but the men cause more damage. They also receive more costly citations such as DWI and reckless driving.
  • Less chance of injury means lower auto insurance rates – Safe vehicles tend to have better insurance rates. Safe vehicles protect occupants better and lower injury rates means your insurance company pays less passed on to you as lower rates. If your Mercedes-Benz SLS AMG GT has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may be receiving a better rate.
  • Always keep your policy in force – Letting your insurance expire will be a quick way to increase your auto insurance rates. And not only will insurance be more expensive, failure to provide proof of insurance could result in a revoked license or a big fine. You may then have to prove you have insurance by filing a SR-22 with your state DMV.
  • Discounts for auto and home policies – Most major companies will give discounts to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, consumers should still check prices from other companies to help ensure you have the lowest rates. Consumers may save even more by buying from different companies
  • Where you reside factors in – Choosing to live in smaller towns and rural areas of the country can be a good thing when it comes to auto insurance. Less people living in that area means less chance of accidents as well as less vandalism and auto theft. Drivers in populated areas tend to have congested traffic and more time behind the wheel. More time behind the wheel translates into higher accident risk.

When in doubt talk to an agent

When it comes to buying the best car insurance coverage, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions can help discover if your situation could use an agent’s help.

  • Does medical payments coverage apply to all occupants?
  • Are rental cars covered under my policy?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Am I covered when driving in Canada or Mexico?
  • Should I carry comprehensive and collision coverage?

If you don’t know the answers to these questions but one or more may 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. It only takes a few minutes and can provide invaluable advice.

Advertising and auto insurance

Consumers can’t avoid all the ads for auto insurance savings from the likes of Progressive, Geico, Allstate and State Farm. They all try to convey promises about savings if you get a free auto insurance quote and switch your auto insurance coverage to their company.

How does every company sell you cheaper insurance coverage?

Auto insurance companies offer their best rates for the driver that will not have excessive claims. One example of a profitable insured might have to be between 30 and 50, has never had a policy lapse, and drives less than 10,000 miles a year. Any person that matches those criteria receives the best premium rates and will also pay quite a bit less when switching companies.

Insureds who do not fit those standards will get higher prices which usually ends up with the customer not purchasing. The trick is to say “drivers who switch” not “everyone who quotes” save that much when switching. That’s why companies can make claims that they all have the best rates. That is why drivers should get price quotes at each policy renewal. Because you cannot predict which auto insurance company will fit you best based on your risk profile.

Detailed coverages of your auto insurance policy

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverages found on the average auto insurance policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, a broken windshield, vandalism, a tree branch falling on your vehicle and rock chips in glass. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, surgery, rehabilitation expenses, X-ray expenses and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and damage to your 2013 Mercedes-Benz SLS AMG GT.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

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

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as attorney fees, medical expenses and repair costs for stationary objects. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for collisions

This covers damage to your SLS AMG GT from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as backing into a parked car, sideswiping another vehicle, damaging your car on a curb and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Saving money is sweet as honey

When shopping online for auto insurance, don’t be tempted to reduce coverage to reduce premium. There are a lot of situations where an insured cut liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy enough coverage at the best price, not the least amount of coverage.

Budget-friendly auto insurance is available both online and also from your neighborhood agents, so you need to quote auto insurance with both in order to have the best price selection to choose from. There are still a few companies who may not have price quotes online and many times these smaller companies work with independent agencies.

Additional detailed information can be found at these sites:

Comments About 2013 Mercedes-Benz SLS AMG GT Insurance

  1. Vivienne Briggs

    Anyone buy from Auto-Owners? I’m in Columbia, SC.

  2. Maud Olsen

    Allstate was cheapest for my 2013 Mercedes-Benz SLS AMG GT in Montgomery, AL.

  3. Bud Soto

    Lots of useful info here. I live east of Jackson, Mississippi. Received quotes from AIG Insurance, Mercury, and some smaller one I can’t remember the name of for my Mercedes-Benz and saved just over $90 a year. Insured with Farmers before. Good multi-policy discounts.

  4. Carmelita Richmond

    Cheaper not always better. I live just outside Seattle, Washington. I got free prices from Allstate, Amica, Erie, and Hanover for my Mercedes-Benz and saved just over $350 a year. Was with MetLife. They have free quotes online.

  5. Tarsha Mckenzie

    Anyone buy from American Family? I’m in Honolulu, HI.

  6. Tracie Soto

    If you don’t have tickets and live around Milwaukee, WI, check out State Farm. I saved quite a bit.

  7. Starr Hall

    Well-written and thought out article. I’m just east of Miami, Florida. Went online for free insurance quotes for a 2013 Mercedes-Benz SLS AMG GT. Ended up at about $250 savings annually. Went with State Farm. I just quoted rates online.

  8. Derek Hoffman

    From west side of Oklahoma City, Oklahoma. I got free prices from 21st Century, AAA, and some I forget for my 2013 Mercedes-Benz SLS AMG GT and saved $280 a year. Moved home policy as well.

  9. Wilburn Barrera

    Does GEICO insure after a DUI?

  10. Bryanna Forbes

    Not sure if this is cheap. I’m in New York City, New York. Quoted with State Farm, AIG Insurance, and Erie for my 2013 Mercedes-Benz SLS AMG GT and saved $133 a year. Online quotes are the way to go.

  11. Ingrid Becker

    How are claims handled by GEICO around Portland, ME?

  12. Randolph Oconnor

    If you have a clean record and live around Parkersburg, West Virginia, check out 21st Century. You might save some money. I got a quote from their website.

  13. Loralee Hawkins

    Here’s what I found out. Live in the western part of Columbus, Georgia. Got free quotes online for a 2013 Mercedes-Benz SLS AMG GT. Ended up at about $240 savings annually. Went with Allstate. Insured with Allstate before. I think they have home insurance too.

  14. Sharron May

    I got a good deal I think. I’m in the west part of Grand Forks, North Dakota. Got free quotes online for a 2013 Mercedes-Benz SLS AMG GT. Ended up at about $560 savings annually. Went with State Farm.